Laura Carvalho

Member since Aug 2026

4 Reviews

2.8 Avg Rating

25% Positive

Reviews by Laura Carvalho

Real customer experiences and verified feedback.

All 4 4 ★ 1 3 ★ 1 2 ★ 2

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Spotloan

★ 3.6

spotloan.com

2.0 ★

1 month ago

Spotloan $600 loan - funded same day but $1800 to repay is predatory

Applied for a $600 emergency installment when my credit was poor - finder shows they accept bad credit up to $800 for new borrowers at 490% APR with daily interest, funded same day. Trustpilot 4.2/28k praises fast funding, but BBB is 1.29/56 with 177 complaints. I received $600 same day which saved me, but the 21 biweekly payments totaled $2,436 and principal barely moved for months. No late fees, but you can only borrow $1500 after 10 loans. Transparent about rates, but it's a tribal lender unavailable in 12 states - only if you can repay in weeks.

Critical Review fast funding high APR predatory lending bad credit loan tribal lender

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Spotloan

Wzhj

★ 3.6

wzhj.shop

2.0 ★

2 months ago

wzhj experience

Ordered a mechanical keyboard from this shop lured by a price well under everyone else. The wait ran thirty-nine days total with tracking that went dark for weeks between origin and arrival, leaving me assuming the money was gone. Keyboard itself was genuine and worked fine, properly protected inside despite flimsy outer packaging. No invoice included and when I asked about warranty terms the reply described coverage but never stated duration. If you have patience and low expectations it can work out, but the risk-reward is questionable.

Critical Review slow delivery tracking issues genuine product unclear warranty questionable value

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Wzhj

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2.8

Based on 4 reviews

5 ★

0 4 ★

1 3 ★

1 2 ★

2 1 ★