Reviews
1,197 reader-submitted reviews, averaging 4.6 out of 5. Reviews describe individual experiences and are not a promise of approval or of a particular rate.
Figures on this page were checked against Galt Credit’s published state disclosures on . How we source figures
Is Galt Credit legitimate?
It is a licensed lender: a direct lender in Missouri, Wisconsin and Utah, and a Credit Access Business licensed by the Texas OCCC in Texas, and a member of the Online Lenders Alliance. Legitimate does not mean cheap — the published APR is near 598%. Read reviews for process (funding speed, service, whether the numbers matched) and read the fee schedule for price.
Reviews
4.6
1,197 reviews
Reviews are submitted to GaltCreditLoans.com by readers who say they borrowed from Galt Credit, and are checked for duplicate submissions before publication. They describe individual experiences and are not a promise of approval, of a particular rate, or of how quickly your own money will arrive.
Transmission went out on a Tuesday and I had no way to get to work. Applied on my phone in the parking lot at lunch, got the decision back the same afternoon, and the deposit hit my account Wednesday morning. Everything I was going to owe was on the screen before I signed anything, which is not how the last place I used did it.
✓ Verified borrower
My score is in the low 500s after a rough two years, so I expected another decline. They looked at my paychecks and my bank account instead. The soft check they run really did not show up on my credit report — I pulled it after to make sure.
✓ Verified borrower
I have had lenders ask me to fax pay stubs to a number that did not work. Here I linked my bank, e-signed, and that was the whole thing. Took about five minutes on my lunch break and I had an answer before I got back to the floor.
✓ Verified borrower
I used a two-week loan once and could not pay the whole thing back on payday, so I rolled it and it snowballed. Splitting this one across set payments that line up with when I get paid is the only reason I could actually finish it off.
✓ Verified borrower
Four stars because this is not cheap credit and nobody should pretend it is. What I will say is that the cost was printed in front of me before I signed, and when my hours got cut in February a real person on the phone moved my due date instead of just running the draft and hitting me with fees.
✓ Verified borrower
Got a bonus two months in and paid the balance off. They only charged the interest that had built up to that day — no penalty, no arguing about it on the phone. Second time using them and the process was the same both times.
✓ Verified borrower
Reviews of small-dollar lenders skew positive for a structural reason: people who were approved and funded quickly are far more likely to write something than people who were declined, and a five-star review usually reflects speed and service rather than price. Almost nobody rates a loan on what it cost them six months later.
So read them for process, not for value. Was the money there when the lender said it would be? Did the numbers on the disclosure page match what was advertised? Did a person answer the phone when a payment was going to be short? Those are the things borrower reviews are actually good evidence for, and they are the things that go wrong at bad lenders.
For price, ignore reviews entirely and read the published fee schedule. The APR near 598% is not a matter of opinion.
It is the most useful one on the page. It says the loan was expensive, that the cost was disclosed before signing, and that a real person moved a due date when hours got cut. That is a fair description of what this product is at its best: costly credit, honestly presented, competently serviced. A page of nothing but five stars would tell you less.
Reviews are submitted to GaltCreditLoans.com by readers who say they borrowed from Galt Credit, and are checked for duplicate submissions before publication. They are individual experiences. They are not a promise that you will be approved, that you will receive a particular rate or amount, or that your funds will arrive on any particular day. This site is an independent resource and is not Galt Credit; the lender’s own reviews are published separately on its own site.
Sources
Rates, fees, amounts and availability change. Where this page and the lender’s current disclosures disagree, the lender’s disclosures are correct.
Keep going
A soft credit check shows your amount without touching your score. Nothing is final until you read the numbers and e-sign.
Advertising disclosure: GaltCreditLoans.com is an independent resource, not the lender. Applications submitted through this site may earn us a referral fee. It does not change what you pay, and cheaper alternatives are named on every page.
Approval is not guaranteed. Texas, Wisconsin, Missouri and Utah only.