Issues › Payday loan, title loan, personal loan, or advance loan
Who is complaining aboutStruggling to pay your loan?
When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.
The CFPB does not verify every allegation in a complaint before publishing it.Consumer Financial Protection Bureau, Consumer Complaint Database. A complaint is a consumer's account of a problem; it is not a finding against the company.
2,955 complaints in the 12 months to 30 Sep 2026 carry the CFPB issue label “Struggling to pay your loan”, up 39% on the 2,128 of the 12 months before; 19,452 since 2017.
61.8% of them were filed under the product “Payday loan, title loan, personal loan, or advance loan”, where the issue makes up 10.3% of that product's complaints.
Company responses on this issue: 90.9% closed with an explanation, 3.5% closed with non-monetary relief, 1.2% closed with monetary relief, and 3% still in progress when the file was published. 96.5% were timely.
Which products
| Product (CFPB label) | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 1,825 | 61.8% |
| Vehicle loan or lease | 1,130 | 38.2% |
Sub-issues
| Sub-issue (CFPB label) | Complaints | Share |
|---|---|---|
| Denied request to lower payments | 1,033 | 35% |
| Problem after you declared or threatened to declare bankruptcy | 97 | 3.3% |
| No sub-issue recorded or other | 1,825 | 61.8% |
Which companies, with their size
Ordered by the number of complaints carrying this issue in the last 12 months.
| Company (as named by the CFPB) | Complaints, 12 months | Share | Company size | Per $1bn assets |
|---|---|---|---|---|
| OneMain Finance Corporation | 165 | 5.6% | no public measure | — |
| SANTANDER HOLDINGS USA, INC. | 152 | 5.1% | $104bn assets | 1.46 |
| ALLY FINANCIAL INC. | 121 | 4.1% | $188bn assets | 0.64 |
| CAPITAL ONE FINANCIAL CORPORATION | 103 | 3.5% | $662bn assets | 0.16 |
| CCF Intermediate Holdings LLC | 79 | 2.7% | no public measure | — |
| ENOVA INTERNATIONAL, INC. | 71 | 2.4% | no public measure | — |
| CREDIT ACCEPTANCE CORPORATION | 69 | 2.3% | no public measure | — |
| Westlake Services, LLC | 63 | 2.1% | no public measure | — |
| Paramount GR Holdings, LLC | 59 | 2% | no public measure | — |
| Affirm Holdings, Inc | 59 | 2% | no public measure | — |
| Bridgecrest Acceptance Corporation | 57 | 1.9% | no public measure | — |
| Uprova Credit, LLC | 55 | 1.9% | no public measure | — |
| Exeter Finance, LLC. | 45 | 1.5% | no public measure | — |
| American Credit Acceptance, LLC | 44 | 1.5% | no public measure | — |
| Opportunity Financial, LLC | 39 | 1.3% | no public measure | — |
| TOYOTA MOTOR CREDIT CORPORATION | 38 | 1.3% | no public measure | — |
| Harpeth Financial Services, LLC | 37 | 1.3% | no public measure | — |
| SOFI TECHNOLOGIES, INC. | 35 | 1.2% | $57bn assets | 0.62 |
| Upstart Holdings, Inc. | 33 | 1.1% | no public measure | — |
| Lendmark Financial Services | 32 | 1.1% | no public measure | — |
| Global Lending Services LLC | 31 | 1% | no public measure | — |
| WLCC | 31 | 1% | no public measure | — |
| Wolf River Development Company | 29 | 1% | no public measure | — |
| Ningo Lending LLC dba Spotloan | 29 | 1% | no public measure | — |
| CNG FINANCIAL CORPORATION | 29 | 1% | no public measure | — |
| All other companies, including those not listed by name | 1,450 | 49.1% | — | — |
CFPB: “When looking at complaint volume about a company or product, consider company size and/or market share. For example, companies with more customers may have more complaints than companies with fewer customers.” The CFPB does not verify every allegation in a complaint before publishing it. 4 of the 25 companies in this table have a public size measure. “No public measure” means the company could not be matched by name to a single institution in the FDIC, NCUA or HMDA files, not that it is small.
How companies responded
- Closed with explanation2,687 · 90.9%
- Closed with non-monetary relief104 · 3.5%
- In progress90 · 3%
- Untimely response40 · 1.4%
- All other categories34 · 1.2%
| Measure | This issue | All issues |
|---|---|---|
| Closed with monetary or non-monetary relief | 4.8% | 31.6% |
| Closed with monetary relief | 1.2% | 0.5% |
| Responses marked timely | 96.5% | 99.6% |
Trend
Questions and answers
What does the CFPB issue “Struggling to pay your loan” mean?
It is one of the options a consumer selects on the CFPB complaint form to describe the problem. The label is the consumer's choice and is not checked by the Bureau. Sub-issues recorded under it include “Denied request to lower payments”, “Problem after you declared or threatened to declare bankruptcy”.
How many complaints carry this issue?
2,955 in the 12 months to 30 Sep 2026 and 19,452 since 2017.
Which products does it apply to?
“Payday loan, title loan, personal loan, or advance loan” (61.8%), “Vehicle loan or lease” (38.2%).
Does the CFPB verify complaints?
The CFPB does not verify every allegation in a complaint before publishing it. Counts on this page show what consumers reported, not what was found.
Provenance
Source: Consumer Financial Protection Bureau, Consumer Complaint Database, bulk file downloaded 30 Sep 2026, complaints received through 30 Sep 2026. Only coded fields are used (company, product, sub-product, issue, state, dates, company response, timeliness); complaint narratives are never read, stored or shown. Complaints are published once the company responds or after 15 days, so the most recent two to three weeks are incomplete. Size measures: FDIC BankFind (report date 30 Jun 2026), NCUA call reports (30 Jun 2026), HMDA transmittal sheet (2025), Census Bureau population estimates (2025). All are US government works. Search the CFPB database · Methodology · Report an error.