Enable Loans reviews: Is it Legit and Worth It?

These Enable Loans reviews will help you to find out whether EnableLoans.com is legitimate, how the application works, what you need to qualify for, and what customers are saying.

Category	Details
Loan Amount	up to $700 for new borrowers and up to $2,000 for returning customers.
Interest rates	Extremely expensive, with APRs reaching nearly 900%.
Funding speed	Approved borrowers may receive funds quickly through RTP or ACH.
Customer service	Difficulty reaching support and delayed responses.
Customer reviews	Trustpilot: 1.8/5 ratings from 17 reviews, with complaints about funding, service, and high costs.
Legitimacy	Operates as a tribal lender
Category	High Risk and High Cost Loan
Loan application	Online
Application time	Typically less than five minutes
Availability	Online Applications 24/7
Checking account	Required
Income	Steady source of income required
Residency	U.S. citizen or permanent resident residing in an eligible state
Phone	Valid mobile number required
Email	Active email address required
Loan decision	Information reviewed against lending criteria

EnableLoans.com operates as a lending service that is associated with the Wakpamni Lake Community Corporation, which is an entity of the Oglala Sioux Tribe of the Pine Ridge Reservation.

In this review, you will discover Enable Loans requirements, application process, customer service, funding experience, communication, repayment issues, and customer feedback.

Enable Loan Requirements

Before applying you must meet the following requirements:

• You must be 18 years old and older.

• You must be a U.S. citizen or permanent resident.

• Applicant must also reside in a state within the United States where EnableLoans is authorized to conduct business.

• You must have a checking account.

• You must have a steady source of income.

• Have a working mobile phone number

• You must have an active email address.

Note: Meeting the Requirements Does Not Mean Guaranteed Approval.

See Also: TBO Bank Loans Reviews: Is it Legit and Worth It?

How to Apply for an Enable Loan

Below are the easy steps to apply for their loan online via their loan website.

Step 1: Visit enableloans.com.

You will see two options on this page. The first option says “Apply Now.” If you are applying for the first time and you don’t have any registered account with them, click on this option.

The second option says “Login”; if you have created an account with them before, then you should click this option.

We assume you are a fresh applicant. So, click on “Apply Now.”

On the next page, type in the amount you want, ranging between $100 and $2,000, and click on “Start my Request.”

Step 2: Enter Your Personal Information

On the next page, you will need to provide the information requested by the application so Enable Loans can assess your eligibility.

Fill in your legal name and click on “Continue” and do the same for the other sections.

The company says the information requested and provided by you is intended to satisfy its regulatory obligations without unnecessarily burdening applicants.

Step 3: Provide Banking Information

This bank information is needed for verification. According to them, the bank verification is part of the process.

Meanwhile, some negative Trustpilot reviews specifically mention difficulties connecting or verifying bank accounts.

Step 4: Submit the Application

After entering all your information correctly, submit your application.

Step 5: Wait for the Lending Decision

According to the company, it reviews information in real time to determine whether an applicant meets its lending criteria or not.

It was at this point that you’d know if you would receive an offer or not. If you receive an offer, carefully review the loan agreement before accepting it.

Please do well to pay attention, particularly to the amount you will actually receive, repayment amount, payment schedule, fees, and applicable APR.

Enable Loan Reviews

Enable Loan has a 1.8/5 TrustScore in Trustpilot. Below is a detailed review:

Application process

Enable Loans says its application is designed to be fast and easy. However, some Trustpilot reviewers complained about difficulties once they reached the verification stage.

Barb Fall from the United States, who rated Enable Loans 1 out of 5 stars on June 16, 2026, said the following:

“Very poor customer service. I had been approved for a loan and had been trying to accept it and got an error in bank verification.”

She went on to complain about difficulty reaching someone by phone and said her emails received no response.

Loan Approval

Several reviews indicate that most customers received an apparent approval or offer but subsequently experienced problems.

Janice from the United States, who rated Enable Loans one star on May 11, 2026, wrote:

“I was approved for a loan on a Friday and signed all of the paperwork; come Monday, money was still not in my account. Went to my login, and it said the loan was cancelled.”

She also said she could not get in contact with anyone or receive a response to her emails.

Disbursement

Erika Hunter from the United States, who rated Enable Loans 1 star on June 17, 2026, wrote:

“They charge you for a loan they never disburse.”

She said she contacted the company after believing the money had been sent to a bank account she did not recognize and complained about the difficulty getting the matter resolved.

Nevertheless, it’s important to know that this review came from a reviewer’s account, not an independently verified finding.

Another reviewer, Janice, similarly reported that her loan appeared to have been approved and signed but was subsequently cancelled.

Customer Service

Most customers repeatedly complained about their customer service.

Barb Fall complained about lengthy waits to speak with someone and said emails were not answered.

Erika Hunter described her customer-service interaction as rude.

Dee, who rated Enable Loans one star on July 6, 2026, wrote:

“They never want to work with you. I had several loans that I paid back, but they keep raising the payments, and when you reach out to try to lower payments or pay back, they never respond.”

An anonymous user, reviewing the company on December 29, 2025, wrote:

“I’ve tried emailing and calling to pay back the loan recently given. Haven’t been able to speak with a live person or agent.”

Reviews on Bank Verification Process

Most customers seem to have faced recurring frustration in this aspect.

Marna Graham, who rated Enable Loans one star on January 1, 2026, wrote:

“I keep getting emails that I’m approved pending bank verification, but it keeps saying there’s a problem with the connection to my bank.”

She said she was receiving secure codes from her bank but still could not complete the connection.

Mary Gallagher explained a similar experience after previously paying back a $200 loan successfully. She said she was repeatedly prompted to connect her bank when applying again and was eventually denied.

Reviews on Repayment Experience

Some borrowers also express frustrations in the repayment aspect.

Dee claimed that after taking out and repaying several loans, the payments continued increasing and that attempts to contact the company about repayment were unsuccessful.

Another reviewer, Tanya Gassel, rated Enable Loans one star and wrote:

“APPARENTLY YOU PAY OFF THE LOAN EARLY AND THEY DON’T LIKE IT, SO YOU DON’T EVER GET ANOTHER LOAN.”

Also, another customer, Dn Tee, reported a similar experience. They said they received a loan quickly, paid it off within a week, and were subsequently denied when they reapplied.

Reviews on Loan Cost

Most reviews show customers who complained about loan costs, including one reviewer who described an offer that was reduced from $300 to $100 with a reported repayment of $188.

Phillip Jackson, who rated Enable Loans one star on January 9, 2026, wrote:

“They offer loans with absurd APR.”

He concluded, “Not worth it in any situation.”

Is Enable Loans a Scam?

Following a series of negative reviews, feedback, and low ratings, it is important to ask questions like “Is Enable Loans a scam?”

Well, several Trustpilot reviewers use words such as “scam” or “fraudulent” to describe their experiences. For example, Matthew Woodruff said:

“I think this place is a scam, and I’m going to get them shut down.”

However, a customer’s accusation in a review is not proof that a company is a scam.

The best conclusion here is that Enable Loans is not a scam. It is a legally registered short-term tribal lender.

But it has a very poor current reputation, with numerous recent complaints about customer service, bank verification, funding, and repayment. Generally, it operates as a high-cost predatory lender with widespread consumer complaints regarding its poor customer service, difficult communication with customer representatives, and extremely high interest rates.

See Also:

• Savvy Loans Reviews: Is it Legit and Worth It?
• Zable Loans Reviews: Loan Amounts, and Requirements
• Ready Capital SBA Loan Reviews And Requirements

Enable Loans: Pros and Cons

Potential advantages

• Entirely online application

• Applications can be submitted 24/7.

• The application takes less than five minutes.

• Clear basic eligibility requirements

• The online application shows the desired loan amount before proceeding.

Major concerns

• Trustpilot TrustScore of only 1.8/5

• Poor customer service

• Problem in bank-verification process

• Complaints about loans being cancelled after approval

• Poor loan disbursement (loan disbursement takes time)

• Poor customer support

• Some borrowers report dissatisfaction with repayment and repeat-loan experiences.

• High APRs

Summary

EnableLoans is a legitimate lender, owned by the Wakpamni Lake Community Corporation (WLCC), and operates under tribal lending laws. It offers installment loans with very high interest rates that are not subject to many state lending limits.

It provides fast online applications, same-day funding for some approved borrowers, and loans of up to $700 for new customers and $2,000 for returning customers.

However, these benefits come with a major downside: APRs can exceed 700% and even approach 900% in some loan examples, making repayment extremely expensive.

Customer feedback is another concern. Many borrowers report delayed funding, poor customer service, unexpected fees, and repayment costs that are much higher than expected.

Trustpilot reviews are overwhelmingly negative, and BBB complaints highlight similar issues, including disputes over loan practices and customer support.

Our Final Verdict

Overall rating: 2/5 ⭐⭐☆☆☆

EnableLoans may be an option if you have very limited borrowing choices and need emergency cash immediately, but it should be considered a last resort rather than a first choice.

Downside:

• Interest rates are among the highest in the online lending market.

• Late and NSF fees can quickly increase the total cost of borrowing.

• Customer reviews point to recurring issues with funding and support.

• Tribal lending protections may limit your options if a dispute arises.

EnableLoans is a real lender, but its very high APRs, poor customer reviews, and complaint history make it a high-risk borrowing option for anyone looking for emergency cash.