Private money lenders have become a vital source of capital for real estate investors who need speed, flexibility, and local expertise that traditional banks often cannot provide. From fix‑and‑flips to ground up commercial builds, these platforms bridge the gap between opportunity and funding often in days rather than months. We evaluate ten leading services across the U.S. and Canada, rating them on five core criteria. We assessed each platform based on:
- Speed & Efficiency (application to funding timeline)
- Transparency & Due Diligence (clarity of fees, underwriting rigor)
- Geographic Coverage (U.S. states and Canadian provinces served)
- Loan Terms & Pricing (typical LTV, interest rates, origination fees)
- Platform Reliability & Support (user experience, customer service
Ratings are on a five‑star scale (★☆☆☆☆ to ★★★★★), with half‑stars where warranted. Data sources include public fee schedules, user testimonials, and platform documentation as of mid‑2022.
Comparison Criteria
| Criterion | Definition |
|---|---|
| Speed & Efficiency | Average time from application submission to fund disbursement. |
| Transparency & Due Diligence | Quality and clarity of fee disclosures, underwriting standards, and reporting. |
| Geographic Coverage | Number of U.S. states / Canadian provinces served. |
| Loan Terms & Pricing | Typical Loan‑to‑Value (LTV), interest rate range, and origination fees. |
| Platform Reliability & Support | UX intuitiveness, responsiveness of support, and user satisfaction. |
Platform Profiles & Ratings
1. Zip2P
Overview: Peer‑to‑peer, zip‑code–focused private‑money marketplace for residential and small commercial projects.
- Speed: ★★★★★ (2–7 days to fund)
- Transparency: ★★★★½ (clear fees, evolving due diligence features)
- Coverage: ★★★★☆ (All 50 U.S. states; major Canadian metros planned)
- Terms & Pricing: ★★★★☆ (65–75% LTV; 8–12% interest; 1–2% origination)
- Reliability: ★★★★½ (high user satisfaction; ongoing feature enhancements)
- Funding Capacity: $20,000 – $150 million
2. LendingHome (now Kiavi)
Overview: Nationally licensed bridge lender specializing in fix‑and‑flip and rental loans.
- Speed: ★★★★☆ (5–10 business days)
- Transparency: ★★★★☆ (standardized fee tables; detailed underwriting)
- Coverage: ★★★★★ (50 U.S. states)
- Terms & Pricing: ★★★★☆ (70% LTV; 7.5–11% interest; 2.5% origination)
- Reliability: ★★★★☆ (robust platform; occasional support delays)
- Funding Capacity: $75,000 – $10 million
3. PeerStreet
Overview: Institutional‑quality short‑term property loans via online investor marketplace.
- Speed: ★★★★☆ (7–14 days)
- Transparency: ★★★★★ (comprehensive loan documents, performance data)
- Coverage: ★★★★☆ (40+ U.S. states)
- Terms & Pricing: ★★★★½ (70%–75% LTV; 6–12% interest; 1% origination)
- Reliability: ★★★★½ (high uptime; active secondary market)
- Funding Capacity: $100,000 – $25 million
4. Groundfloor
Overview: Crowdfunded debt for small residential rehab projects with low minimums.
- Speed: ★★★☆☆ (10–15 days)
- Transparency: ★★★★★ (real‑time project updates, clear risk scores)
- Coverage: ★★★☆☆ (30+ U.S. states)
- Terms & Pricing: ★★★☆☆ (65% LTV; 8–14% interest; no origination fee)
- Reliability: ★★★★☆ (innovative UI; variable deal flow)
- Funding Capacity: $25,000 – $500,000
5. Patch of Land
Overview: Direct‑lending platform for residential fix‑and‑flip and bridge loans.
- Speed: ★★★★☆ (7–12 days)
- Transparency: ★★★★☆ (detailed property due diligence)
- Coverage: ★★★★☆ (45+ U.S. states)
- Terms & Pricing: ★★★★☆ (70% LTV; 8–13% interest; 1.5% origination)
- Reliability: ★★★★☆ (solid track record; responsive support)
- Funding Capacity: $100,000 – $5 million
6. B2R Finance
Overview: Hard money lender focused on small commercial and residential markets.
- Speed: ★★★★☆ (5–10 days)
- Transparency: ★★★☆☆ (fee disclosures present but complex)
- Coverage: ★★★☆☆ (East Coast U.S. states)
- Terms & Pricing: ★★★☆☆ (65% LTV; 9–15% interest; 3% origination)
- Reliability: ★★★☆☆ (niche focus; mixed reviews on service)
- Funding Capacity: $150,000 – $3 million
7. RCN Capital
Overview: Nationwide hard money lender for residential and commercial.
- Speed: ★★★★☆ (7–10 days)
- Transparency: ★★★★☆ (clear rate tables; online portal)
- Coverage: ★★★★★ (50 U.S. states)
- Terms & Pricing: ★★★★☆ (65–75% LTV; 8–12% interest; 2.5% origination)
- Reliability: ★★★★☆ (consistent funding; solid underwriting)
- Funding Capacity: $50,000 – $10 million
8. CMLS Financial (Canada)
Overview: National private mortgage and specialty financing in Canada.
- Speed: ★★★★☆ (7–12 days)
- Transparency: ★★★★☆ (detailed term sheets; regional nuances)
- Coverage: ★★★★★ (all Canadian provinces)
- Terms & Pricing: ★★★★☆ (60–75% LTV; 6–10% mortgage rate; 1–2% lifting fee)
- Reliability: ★★★★☆ (bank‑level compliance; variable local support)
- Funding Capacity: $100,000 – $5 million
9. SkyCap Financial (Canada)
Overview: Private residential and commercial lending across Canada.
- Speed: ★★★☆☆ (10–15 days)
- Transparency: ★★★★☆ (standardized disclosures; straightforward)
- Coverage: ★★★★☆ (major provinces)
- Terms & Pricing: ★★★☆☆ (65% LTV; 7–11% rate; 2% origination)
- Reliability: ★★★★☆ (well‑regarded; some regional constraints)
10. CanaCap (Canada)
Overview: Online marketplace linking Canadian borrowers with private mortgage lenders.
- Speed: ★★★★☆ (5–10 days)
- Transparency: ★★★☆☆ (disclosure level varies by lender)
- Coverage: ★★★☆☆ (Ontario, Alberta, BC)
- Terms & Pricing: ★★★☆☆ (65–70% LTV; 6.5–12% rate; 1–3% fees)
- Reliability: ★★★☆☆ (growing network; onboarding friction)
- Funding Capacity: $75,000 – $8 million
- PrivateMoneyDirectory.com(hypothetical stand-in for similar listings)
- Speed: N/A — you must email or call lenders directly.
- Transparency: ★★☆☆☆ (you only see basic names/contact; no terms).
- Coverage: ★★★★☆ (many regional listings across U.S. & Canada).
- Terms & Pricing: ★☆☆☆☆ (not disclosed).
- Funding Capacity: Varies, unspecified.
- Reliability & Support: ★★☆☆☆ (no platform support; you’re on your own).
- NationalPrivateMoneyDirectory.ca
- Speed: N/A — email brokering is manual.
- Transparency: ★★☆☆☆ (profile info is minimal).
- Coverage: ★★★☆☆ (restricted to certain provinces).
- Terms & Pricing: ★☆☆☆☆ (none provided).
- Funding Capacity: Unknown; you’d need to request info.
- Reliability & Support: ★☆☆☆☆ (no intermediation; no vetting).
Comparative Analysis Table
| Platform | Speed | Transparency | Coverage | Terms & Pricing | Reliability | Overall |
|---|---|---|---|---|---|---|
| Zip2P | ★★★★★ | ★★★★½ | ★★★★☆ | ★★★★☆ | ★★★★½ | ★★★★☆ |
| LendingHome | ★★★★☆ | ★★★★☆ | ★★★★★ | ★★★★☆ | ★★★★☆ | ★★★★☆ |
| PeerStreet | ★★★★☆ | ★★★★★ | ★★★★☆ | ★★★★½ | ★★★★½ | ★★★★☆ |
| Groundfloor | ★★★☆☆ | ★★★★★ | ★★★☆☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| Patch of Land | ★★★★☆ | ★★★★☆ | ★★★★☆ | ★★★★☆ | ★★★★☆ | ★★★★☆ |
| B2R Finance | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
| RCN Capital | ★★★★☆ | ★★★★☆ | ★★★★★ | ★★★★☆ | ★★★★☆ | ★★★★☆ |
| CMLS Financial | ★★★★☆ | ★★★★☆ | ★★★★★ | ★★★★☆ | ★★★★☆ | ★★★★☆ |
| SkyCap Financial | ★★★☆☆ | ★★★★☆ | ★★★★☆ | ★★★☆☆ | ★★★★☆ | ★★★★☆ |
| CanaCap | ★★★★☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ | ★★★☆☆ |
Detailed Discussion
- Zip2P leads in Speed and Reliability, leveraging peer‑to‑peer matching to close in as little as two days. Its Transparency is strong, with clear fee disclosures and an emerging reputation system, though borrower scoring and integrated due diligence tools are still maturing.
- LendingHome/Kiavi and PeerStreet offer robust, proven platforms with near bank underwriting quality, scoring high on Transparency and Coverage, but fund slightly more slowly.
- Groundfloor excels in Accessibility (low minimums) and Transparency, but narrower state coverage limits its use for national borrowers.
- In Canada, CMLS Financial and SkyCap deliver bank‑comparable compliance and broad coverage, yet borrowers may face slower timelines and higher fees in some provinces.
Conclusion
For real‑estate investors and developers in 2025, Zip2P stands out if speed, local matching, and a lean, peer-driven process are your priorities. If you prize institutional rigor and wide coverage, platforms like LendingHome/Kiavi, PeerStreet, or RCN Capital may suit you better. In Canada, CMLS Financial offers the most comprehensive national footprint, while Zip2P is poised to expand northward.
Choose based on your deal size, timeline urgency, and desired level of personal interaction. All platforms can fund profitable projects—but the right partner will align with your strategy, whether that’s lightning‑fast flips or long‑term holds.
This analysis reflects publicly available data as of July 2025 and may change as platforms evolve their offerings.
Beware of GroundFloor lenders there will string…Beware of this lender there will string you along make you lose your money by declining your loan at the eleventh hour. We had two great deals both tri-plex and the underwriter would not approve with original terms. Our numbers worked the properties were permitted, zoned, and had suitable comps. I truly believe someone at ground wanted our deals for themselves and block us from getting them, so they or a colleague can get it; which I am learning is not so far fetch in this industry
RUN AWAY From GroundFloor LENDER! They are liars and predatory lenders. I had completed 3 successful projects with them and was working on a 4th. I reached out inquiring on expanding my scope of work and refinancing my deal. They said they would be glad to do it but wanted an additional $120,000 from me. I told them that was ridiculous and I would continue with my original project. They then refused to issue my draw request for work that was already completed, tried to force me to refinance, when I refused they chose to ignore me for a month whilst daily interest continued to accrue. They are scammers. Do not trust them
Relax, it’s a debt position.
Many of the complaints I see on here are due to late payment and extended loan status. Extended loans have been the most lucrative section of my overall Groundfloor portfolio. If the borrower has my money, they’re on the clock, I’m getting paid.
I’ve seen some people mention REITS, however being that those are often equity investments, they are often far riskier. The reason people feel more comfortable with them is because real estate lending is something new with regards to retail investors being able to participate. The risk here is far less than in many other RE investment vehicles.
Check any publicly traded REIT’s performance over the past 365 days from my review date. You’ll find that most of them are down well over 8% on the year, and that’s after a monthlong bull run in the sector.
I made 9.3% in 2023 on Groundfloor. The key is to DIVERSIFY into as many loans as possible. They make it very easy to do so with $10 minimums per loan on their desktop site, and $1 minimums per loan on their mobile app “Groundfloor Investor”
Their auto investor account on mobile is great for someone who wants completely passive income and maximum diversification.
Found A Good Deal? Kiavi Makes It Easy Peezy!My experience with Kiavi was great! From the initial inquiry of terms to the application process to closing. I loved their streamlined workflow and from beginning to end. I’m looking forward to using Kiavi on my next flip!
This was our first time using this Kiavi company and we are very impressed with everything from professionalism, promptness and very knowledgeable. We were very pleased with our team from our first interaction with Austin Lornson. He has been amazing in guiding us through the entire process. I also, would like to mention Christina Klugman who is also amazing. Always both willing to take out calls, questions and concerns without hesitation. We will definitely be repeat customers as well as referring people to them.
Kiavi is One of the longest hard money loans . Didn’t enjoy the process at all! Too many conditions asked in pieces.
Zip2p has made process of lending money to investors very simple, effective and fast! As an investor I know that time and a trustworthty Company is key for success! Special thanks to Haley Deffenbaugh for helping me with all my projects! Couldn’t be any happier!
I am a real estate investor of about 20 years – in single family properties. I decided to dip my toe in with Groundfloor – a crowd funding format to fund single family home rehabs / flips across the country, during one of the largest run-ups in home pricing in history (2022). This means flipping should be a no brainer when prices are continually rising.
I invested in 6 properties. One (1) paid off and I earned my 10% annual return rate. 5 are in default with no viable means of recovery for Groundfloor. I am expecting maybe 50 cents on the dollar (lose half my investment) after the foreclosure and resale process finally concludes 3 years later after my initial investment – so add “lost opportunity” on top of the 50% loss and it’s probably closer to a 70% loss in this investment environment.
This company is a joke. DO NOT waste your money on them
I purchased a fix and flip home in Los Angeles, CA. Kiavi helped me with 90% of the purchase price and all of the rehab budget. I have really enjoyed the fact that Kiavi has a very strong tech platform which has allowed me to upload documents and answer questions directly to my online portal. Working with Nilabjo has been great as well. He has taken great care of my lending needs. I would highly recommend to any investor to work with Kiavi.
Working with zip2p has been a great experience! Austin and Kristin were incredibly helpful throughout the entire process. They were responsive, knowledgeable, and made everything feel smooth and straightforward. Their support really made a difference, and I appreciate how easy they made what could have been a stressful situation. Highly recommend zip2p—and especially Austin and Kristi—for anyone needing a reliable hard money lender.
Stay away Patchofland, it’s like a bite and switch. Have started investing in 2016. First of the few investments paid off in a timely fashion. Then the service and commitment went downhill. I have two properties currently unpaid. In one of the properties, the borrower is unable to find refinancing. Come on!! this is the hot seller’s market and POL is unable to foreclose and sell this property. in another one, the borrower is involved in a fraud case and POL says as per the master agreement the older loans would be shut down paying ZERO. Do we have a legal recourse here? Maybe a class action suit?
PatchofLand!!
They would give every excuse not to fund a deal, they would never walk in rate either, has a high for a reason. They would not give warning either or why they cant fund, wast of time.
BEWARE of this UNETHNICAL company formerly known as Patch of LandBEWARE of this company first known as PATCH OF LAND now PATCH LENDING??? CHAD JOHNSTONE who looked after my application is a deceitful individual who I want to be flagged so NOBODY else goes thru what he has put me thru and put all the blame on me.
I submit an application but eventually it come back rejected but they still proceed with an appraisal which was a waste of money – usual procedure is they do their due diligence and then the next step would be an appraisal BUT since i was declined why would they proceed to an appraisal!! A reputable firm would of reimbursed me the cost of the appraisal but not this company! – deceitful in more ways than one:
1. The appraisal charge is in PATCH OF LAND name?? WHY!! Usually the charge is noted with the actual appraisal company’s name – POL and taking the charge at an inflated price I’m sure since the actual appraisal company is not the actual charge on the credit card.
2. So there is NO loan to proceed with POL so I look for another lender.
3. CHAD JOHNSTONE tells me if I PAY a further $51 I can get a copy of the Appraisal report that came in at $650K and the Lenders name he could change to new lender.
4. I pay the extra to have the Appraisal report revised and release to me.
5. Upon getting the report after numerous request when I can get the revised copy Chad sends me the report to my astonishment it is NOTHING what he said it is!! Report is ONLY for 400K and Lenders name has NOT been changed
6. I question REPEATEDLY what is going on and CHAD’s only response is I gave you the report and I have nothing further to say to you – do what you have to do and basically don’t bother me again – REALLY!!! How UNPROFESSIONAL can one person be??
Despite being in a BAD financial situation only worsened my situation due to the deceit of CHAD JOHNSTONE – taking advantage of a WOMAN desperately seeking a loan – ONLY care is getting money for the company he works under FALSE pretence and to show good work provided to his client which in reality is NOT the case – how can one with a good conscience treat another individual with no compassion and humanity in the hardship situation I am in –His attitude is who cares and after repeated email for a response to “DID YOU NOT TELL ME THE ARV ON THE REPORT WAS $650k”
NO response to this question and is only avoiding and dancing around having to admit he was wrong – at least if you admit you made a mistake then its NOT a lie anymore but a mistake – BUT he is NOT MAN enough to admit he made a mistake and it is costing me dearly!! But again who cares is his attitude – I’ve done my job?? What to rip me off further with something that doesn’t help my cause and while under FALSE pretences!!! I PAID extra for a USELESS report!!!
BEWARE of this company as they promise you the World ( I understand things change in the process sometimes) but to continue of a unethical path is just WRONG!! I am extremely HURT by this company’s action against me to further contribute to my financial hardship!
Everyone was available for questions. Things were a little confusing at first but kolten was there to help me navigate through the confusion. Easy to work with Zip2p.
When I did my first rental property, I begged my banker for a loan. Took 10 weeks. These days, I find private lenders on Zip2P and have 10 lenders competing to back me , all local. That means better terms, faster timelines, and the freedom to scale. You don’t scale with bank excuses. You scale with local believers.
I was really impressed by how friendly, accessible, and helpful everybody was at ZIP2P. They actually wanted my business, unlike how most people in local banks act. They made the process from start to finish easy to understand as well. I am very glad I chose to go with ZIP2P and would recommend them to anyone looking to get a loan.
B2R Finance are the most incompetent people in financial services that aren’t actual scammers. They have screwed up both loans we’ve had through them. They have typoed our EIN both times, misspelled our email every time, and have failed to add our accounts manager after having done that process multiple times. AND THIS WAS A COMMERCIAL ACCOUNT!! If you have any control what so ever do not take a loan from them especially if your just an individual. They will screw it up and you’ll have to fight them just to make your payment.
Stay away from RCN Capital they don’t communicate 3 months into the loan after harassing the appraiser for all kinds of extra paperwork and having me pay $150 extra for a rush appraisal taken 3 weeks then questioning him if its correct I would rate lower then making me get Insurance that was not need and harassing my insurance agent then sending me a commitment Letter with no terms no closing date no response when called just a horrible experience then backing out on Friday afternoon at 5 pm when my attorney couldn’t answer any questions about the loan or deed work asking my attorney them question on the same issue this went on for 3 months PS. The broker was great the lender was HORRIBLE EXPERIENCE
RCN and Celia is a rockstar!I’ve been working with RCN and I must say my experience with them was just good until I met the team, Eric, Kinga and the star of the show, Celia. I dont really write reviews but this time I will. Celia is the best ever! I have no words with the concern she had to close fast and how she follows up almost daily to make sure we close earlier than our targeted date. Of course, its expected that I need to send a lot of documents but it was seamless, Celia and of course her team helped me a lot. She trully is an asset to the RCN. We have 3 more properties for this year and I’ll be sending this to RCN because of my GREAT Experience!
eceptive! Added $2300 broker fees after closing!The title company RCN used added $2300 in broker fees AFTER I signed the closing documents. They all seemed very confused about how this happened and why I should be upset about it. I ended up feeling taken advantage of and manipulated. Won’t be doing business with them again.
SCAMMERS/ FRAUD/ FAKE SCAMMERS, FRAUD,, BEWARE OF THEM..LOAN Amount is FAKE!! they use peoples money to deposit to your acct. then they will take your money out until they drained you down to negative.. they will ruin your credit score.. .. i hope they put into jail SkyCap Financial
This is a predatory lending company Please stay away from skycap financial This is a predatory lending company , just recently they took one payment one day the next day took another, they called that they took an extra payment and was gonna stop the next payment as it was payed by the mistake on their part. Well they didn’t stop that payment , but I did on my bank and now they keep trying to take that payment that was paid by their mistake even though , that payment was made. I have their company blocked on my bank as their business practices are suspicious. They penalize you for your mistakes and continue to charge you when they make a mistake. I am submitting a complaint with BBB regarding their mistake and their continued mistake and charging me for it . GO SOMEWHERE ELSE
FRAUD ALERT This is a scam company skycap financial FRAUD ALERT This is a scam company, they will ask for bank verification. Then try to deposit anywhere, they steal your information and write cheques on your account. Stay away avoid at-all costs! No good rotten people I hope karma gives them exactly what they deserve, unconscionable lazy bums.
I liked the people I talked with they were patient, respectful & friendly. The process was grueling to say the least, it was easier buying our home then doing the refi. but ZIP2P was willing to do a refi on a manufactured how while Truist was not even though that is who held our mortgage. It seemed like I did a lot of the work as far as researching title claims but again in all fairness to ZIP2P the original title holder never did the proper paperwork. The whole idea of paying off all our debts by mailing checks to us to mail out to banks isn’t fun. All in all ZIP2P got the job done……..
Zip2P is the best. I’ve worked with other lenders and brokers, and it’s always more complicated than it should be. Zip2P understands simplicity and efficiency. Amazing customer service and resourcefulness. The best in the business.
Responsive. Professional. Patient. Knowledgeable. Kiavi has Great partner ,They have funding options for just about every situation. They want you to succeed. Once your deal is done they are encouraging you to proceed to the next.
Zip2P
If I have to give stars to this company, I will need the sky for them, the team that work with me they hold my hand and walk me thru the whole process, súper happy thank you , Alexandra, Clay, Jayme.
PeerStreet
The loan process was great!!!! My loan officer James did extremely well and I’m glad to be a customer of One main financial
Groundfloor customer service at the Oaklawn location is excellent they explain your options very well and the staff is like family they never forget their clients, they have always been there for my needs.
I experienced a very professional and friendly loan process with patch of lands. Everything was smooth and no problem or difficulty during the document signing . I will recommend One Main to others whenever I have the opportunity. Corie made everything easy.
Seemingly easy process with groundfloor as they give alot of hope and take all of your information with ease. The thing is, this service is basically an Amscot, without the option to actually get funds. Jumping through hoops and going through maze, just to get dropped, meaning when they don’t have an answer after all the work you put in, they won’t call anymore, not that the woman helping me actually called back when she said she would. Talked with multiple agents, each seeming like they knew less or more than the other, most of them knowing less. This service is only made for people that are on time with all bills, have everything paid and just need money on the side, they don’t want to help the person with all those things but needs help with money who could actually make payments or pay off, they want those people that get themselves stuck in the pyramid of loans, always revolving and needing it paycheck-paycheck.
I got a quick approval with patch of lands,but when it came to me paying my loan off in less than a month, I couldn’t get the documents emailed to me because they went an old email that I haven’t used in years. I have no idea how they got that email and when I tried to change the email, I could NOT, which makes no sense to me. Now I have to drive down to the place and get my closure and they will still have my car on a lien for two weeks after I’ve made a huge payment…that’s crazy…
Awesome, this transaction was so easy and fast, I highly recommend this company(RCN Capital) rather than payday loans, much cheaper
B2R Finance works diligently to know the customers’ needs and to educate them to select best product based on their current financial situation. Compassion is shown during a stressful time and respect that is reflected aligns itself with a no-judgement zone type of aura. Ron, the Loan Consultant was professional, knowledgeable and shared information for successful financial success within One Main Financial & beyond.
Wasn’t happy with how much I owe RCN Capital, Wasn’t happy with how much I owe back. Its like a loan shark. Yeah cool you guys lend money much appreciated. But to pay back so much more no way.Its like a loan shark. Yeah cool you guys lend money much appreciated. But to pay back so much more no way.
On the first automatic payment with B2R Finance…they took TWO which completely threw off my checking account !!! Instead of apologizing and hurriedly correcting the situation…they blamed it on me!! Basically saying I shouldn’t have gone into my new account and set up autopay!!! Seriously??? don’t set up autopay?????? so I’m the one who caused it according to them ??? Unbelievable!!!!
Thanks Yousif for nothing…now I must wait until some so-called internal processing group gets around to processing my refund…possibly get it back in up to 2 weeks…
my suggestion DONT EVER use their autopay….or believe the “words coming out their mouths”…and their system too stupid to realize TWO payments coming out on same day!!!!
systems antiquated & old…backwards
The experience I had with CMLS Financial was great. They took me by my hand, and guided me through my financial situation. How much I would be saving and in the long run it would be great for me.
SkyCap Financial was very quick and convenient. We were on vacation and signed all of the paperwork over the phone.
CMLS Financial quit being so unprofessional. You need to let the dealer handle the paperwork. This is the second time I’ve financed a vehicle with you. I don’t need someone to read me everything that I can read myself. The lady on the phone with me was way too rude and not helpful at all. Very unprofessional.
SkyCap Financial Customer service is excellent! Loan amount and fees are fair however, I’m on my 3rd loan with them, never missed one payment and was recently denied for a small loan. I know they have certain criteria they go by however I believe my history should be considered. I’m not a number, I’m a real person with excellent history with this company. I’ve also sent 4 people to them in which they were denied a loan. Maybe they are growing and forget about the small people that made them who they are today! I went straight to another company and was approved instantly…Never forget where you came from!!!
Zip2P Listen To What You Have To Say And They Explain Everything To You
CanaCap helped me when others wouldn’t, even my own bank wouldn’t help me. Thank you for trusting in me
The application process took longer than expected but was still completed the same day. The loan representative was courteous and informative. The funds were deposited into my account in less than 48 hours. I would have preferred to complete the entire process online though a phone call was required to verify my information and receive instructions to close the loan, Thanks to Zip2P
I have had a CanaCap loan account for 6-7 years now. NEVER Late one Time!!!!!! CanaCap has sent me 1 to 2 pre-approved C.Card offers EVERY month for well over 4 1/2 years now. They have mostly annoyed me because they have my personal info on them. When I opened the last 4 they all had no annual fee and $3000 limit to start with, and a lowering APR over time. So I used the most recent 2 for pre-approvals for Jun/July. I thought they had the same offers on them, The CanaCap leaflets with QR codes did. So I applied and used the QR code and put my info in. They opened a $1500 limit with a $65 annual fee on it. Completely unacceptable!!!! I called to explain the situation, to a company I’ve done a lot of business with and got a lady somewhere in Asia that I could barley understand. They way she explained it was that they were doing me a favor, and the annual fee could possibly drop off within 1 or 2 years. I had to explain to her 4 times that I wanted my account closed and was never going to pay an annual fee for a card, and aging told her to close my account!!!!! She said if I closed my account “THAT I WOULD NEVER BE ABLE TO HAVE A BrightWay Mastercard again”. She didn’t listen to me at ALL. So, if a company I have be established with for years doesn’t want my business, and treats me like a cold call customer, then I will take it all to another firm!!! Do not recommend CanaCap
From the beginning LendingHome (now Kiavi) they have been very helpful and very professional in what they do and truly are there to help and put the work in to make it happen
Friendly team members who were knowledgeable about the loan process and made it easy for customers to understand their loan options with PeerStreet.
I’ve had 3 different loans and paid off each on time, without late payments. My last loan with LendingHome (now Kiavi), I requested a payoff amount in August 2025. This was provided to my consolidator and the check was mailed. At the same time, I turned off Auto-pay so I wouldn’t pay them twice. Got an email confirmation that it stopped. July goes by, nothing.june 21st, they pull $200 from my account, and claim “unpaid interest”. I spoke to a manager at the branch and they say they will see what they can do. I’m waiting. Regardless of who’s at fault for this error, you can’t pull an ACH when I remove permission to do so. This is how you treat a customer of 7 years?
Painless Processes Ernie was an excellent customer service representative. Very patient, informative and helpful.
The process flowed pretty smoothly after his initial application process. Thank you zip2p
m VietnameseIm Vietnamese, i do not speak English very well. Zip2p team amazing, they are explaining, patient, clear and professional to take time with customers . You should try to work with Zip2p. Best service ever
Horrible. Absolutely the worst experience ever. No one knew what was going on at any point. Multiple misinformation costing me thousands of dollars and almost the house I was buying. Waited until 2 days before closing to decide to request information after being asked multiple times if it was needed. Every step was chaotic and it was as though this was the first home ever put under contract for this team of individuals. I had several different people who would call and text asking for the same information as though no one was talking to anyone else. Multiple times they blamed other people on not sending them information to find out they did have information and it was uploaded they just didn’t “look” for it. I would never use it again and I wouldn’t recommend PEERSTREET to anyone.