Emerald marketing is a payday loan company based in the United States but it is fair to say that there is not too much information available about them which should instantly set alarm bells ringing about whether to use them or not. This payday loan market has really expanded in recent years so this review is designed to let you decide if this is a company that you should perhaps consider using.
They do work in the same way as others in the market in that their qualifying criteria is pretty much the same with you needing to be a citizen of the United States, be of age, have a bank account, and of course be in employment. It should be noted that this is pretty standard so you do need to look at other things such as fees and customer service before making a decision.
The fees are certainly within the same ball park as the majority of companies that operate within this market so the key is to therefore look at fees associated with late payments or any other penalties. Again it has to be said that at this point emerald marketing appears to be a reasonable company to use as they are not quoting over the top figures should you miss a payment which does leave customer service as the last place to look.
A quick search on the internet shall let you see what people think about the customer service aspect of using this company and it is fair to say that they are not exactly glowing in their report. This area is extremely important when it comes to deciding which company to use as you really should get a loan from a company that is easy to deal with and this does not appear to be the case.
There are reports of them taking money at wrong times and continuing to do so once the loan has been paid which is clearly a breach of their own regulations. This has resulted in people having to take legal action against them and the ease with which they paid up is testament to them realising that they broke their own rules.
They are also extremely difficult to get a hold of in order to sort out any problems so you need to take this into consideration before thinking about applying. By rights these companies should be able to be reached by both email and phone but numerous reports suggest that they are not too happy at you getting in touch.
You can also find comments where people have had to change their bank accounts and get their bank to put a block on these payments being made. It is fair to say that this really should not happen and the fact that it has and is not an isolated case should really make you think twice about signing up for their loan.
Although these types of loans are quite easy to apply for you need to look beyond this point and see how good or bad the company is before signing up. There is enough information out there from previous customers to therefore let you see that emerald marketing should perhaps come quite near the bottom of your list and it is advisable to try elsewhere before going anywhere near them.