Reviews of products like Pockbox can never be underestimated. Statistics show that 84% of people trust online reviews as much as a personal recommendation, and 90% of consumers read less than 10 reviews before forming an opinion about a business.
Also, 74% of consumers say that positive reviews make them trust a business more, and 58% of consumers say that the star rating of a business is most important.
This is an indicator that reviewing a product is so imperative as it pre-informs smart intending users who are careful enough to check reviews about the products before subscribing to it.
In this article, I will thoroughly analyze Pockbox – stating whether it’s legitimate or a scam. Additionally, I will proffer other alternatives to the lender-app.
What is PockBox?
PockBox is not a lender service, but a platform that aims to easily link consumers with lenders offering loans that can work for them. It’s an alternative to the Honestloans app which provides all similar services with some new additions.
Thousands of Americans use these personal loans to help them pay for emergency care costs, bills, mechanic fees, etc. Its easy online form does not include long questions and can be completed in less than 5 minutes.
With the aid of this app, you can quickly get more than $2,500 in funding and get more helpful options. You must be working or have a daily source of income with at least $800 per month to apply for a personal loan through this program. Pock Box is a robust service providing a ton of innovative features and advantages to make it better than most.
Also, APRs vary depending on your credit situation and the lender, but you’re always likely to pay less with PockBox than you will with an online or offline payday lender.
Is PockBox safe?
At the time of reviewing this app, there is no online-user-review of the app, especially from credible third party sites.
However, the Pocksocks site asserts that their application forms are safe and secure using 256bit SSL encryption to submit your sensitive information to their servers. After an application has been submitted, PockBox will attempt to connect the applicant with a lender almost instantly.
Also, Overdraft Apps has stated that “PockBox is the perfect app to get cash advances of up to $2,500 in minutes. The process is sleek and straightforward. You will just have to give some information about yourself. The PockBox app should then connect you to the best lender possible and approve you in a matter of minutes.”
About PockBox
The online loan process is easy with PockBox. The application process is quick, taking less than five minutes to complete from start to finish. The platform lenders do require certain personal information including your social security number, banking information, and so on.
To learn how PockBox uses your personal information visit their Privacy Policy.
After an application has been submitted, PockBox will attempt to connect the applicant with a lender almost instantly. If they approve you for a personal loan, you can receive the funds to your account in most cases within one business day. PockBox is not the lender but does the work of connecting you with a lender.
The platform’s customers should always borrow responsibly. Since PockBox is not the lender, it, therefore, cannot answer questions regarding your loan. Please review the terms of your loan before accepting.
Additionally, review interest rates, and be aware of your due date. Should you have questions about your loan, you are to contact your lender directly and not Pockbox.
More questions about the platform’s services can be directed and answered here.
Pockbox Reviews: How it Works
PockBox works with multiple lenders to connect you with the short-term funding you need to manage your emergency expenses. We reiterate they are not the lenders, but only connect you with a network of lenders around the country who can provide you with quick loans regardless of your credit history.
On submitting the requisite information in the quick and easy form, PockBox will attempt to connect you with a lender. When you are connected with a lender, you will receive an answer almost instantly in less than 5 minutes in most cases, unlike with other traditional banking institutions that may take days.
After being connected with a lender, you will be automatically redirected to the lender’s website where you should be able to review the terms and conditions of your loan. You may also be contacted by your lending provider who will confirm your information and finalize your loan.
If you do not agree with any part of the terms and conditions of your loan, notify your lender before finalizing your loan. Your lender may contact you by phone or email. Be sure to respond in a timely manner in order to gain access to your funding as soon as possible.
Finally, personal loans are meant to be used as a short term solution only, please you’re thus advised borrow responsibly.
Pockbox Reviews: Legit or Scam
According to an analysis by Scam adviser, pockbox.com has an average to good trust score. They further assert that pockbox.com is legit and safe to use and not a scam website.
The review pockbox.com as positive. Their positive trust score is based on an automated analysis of 40 different data sources they checked online such as; the technology used, the location of the company, other websites found on the same web server, etc.
Though Scam adviser holds that websites that score 80% or higher are safe to use with 100% safety. However, we unite our advice with them and strongly recommend that you do your own vetting of them and every other new website where you plan to shop or leave your contact details.
Of course, you agree that there has been a plethora of scam sites that only find annoying ways of looting unsuspecting users dry. We do not want you to fall a victim of such or anymore, in the event you have been scammed previously.
Pros and Cons of PockBox
Here are the pros and cons of PockBox. I always advise that you weigh these two and make a better decision based on which outweighs the other. If the pros outweigh the cons for you, then, by all means, consider using their services.
On the flip side, if the cons outweigh the pros, please stop, look, watch, and…, rethink again.
| PROS | CONS |
| 1. This website has existed for quite some years | 1. The website’s owner is hiding his identity using a paid service |
| 2. According to Xolphin the SSL certificate is valid. | 2. This website does not have many visitors |
| 3. The connection to lenders id swift; takes a few minutes to connect you to lenders. | 3. This website is not optimized for search engines |
Alternatives to PockBox
Despite PockBox’s strength, we will love you to have access to other similar sites/apps that offer the same services. This way, you can have the best offer from the group and also view other users’ reviews of their experience with each app. This should help you evaluate your own experience with PockBox.
The said alternatives to Pockbox include, though not limited to;
1. Netspend
The Netspend Mobile app lets you access your account wherever you are and whenever you need it. The application makes it easy to verify the balance of your account and transaction history. You can also transfer money to friends and relatives, reload places, and upload checks directly to your account.
The Netspend app is a fairly stable, fast and easy-to-use app that can be used on Android and iOS devices. Like other similar sites, Netspend is also a flexible prepaid debit card with the highest maximum card balance.
2. Moneylion
Moneylion is an advanced app that changes the way people borrow and spend money. It provides a loyalty service that helps you boost your finances and savings and handles everything related to your payments. You can access all your personal loans at affordable rates.
Moneylion is one of America’s most influential financial membership sites and has more than 3 million users. The zero-fee service check feature that helps you a lot. You can also finance your Moneylion account by instant transfer and then use it everywhere you go with no secret fees.
3. Brigit
Brigit is a fast, smart, and easy-to-use financial app that monitors your account in the background and sends you cash any time your balance is low. The app works well by tracking and handling things, so you don’t need to think about paying the overdraft fee again.
The app covers all major needs and functionality that help you handle your cash work and deliver money all the time. The Brigit app is available on Android and iOS devices, and you can use it all over the world.
4. Earnin
Earnin is a fantastic tool created and published by Activehours Inc. It’s a finance app that helps you to get paid as soon as you’re out of work instead of having to wait for a payday. Earnin is free to use the smartphone apps available on Android and iOS platforms, and you can use them anywhere in the world.
You need to tell the application where you work to get your money, link it to your bank account, and that’s it. The software handles all your activities and transforms your number in a matter of minutes.
5. DoorDash
DoorDash is an on-demand food delivery service that delivers food to local restaurants. It’s one of the easiest and most convenient means to get breakfast, lunch, dinner and food on order from your favorite restaurants on your doorstep with just one click.
People at this food delivery service can summon almost anything and finance joy in the smallest items, such as having food delivered within a few hours at their doorstep. The DoorDash app has reached most of the local restaurants, so it’s one of the easiest means to order food from nearby restaurants.
Conclusion
Finally, kindly ensure you make your other findings of PockBox. We are a credible third-party site, yes, however, we are just one good-voice. You need at least 5 other good-voices to confirm that PockBox ain’t scam. Though we can say confidently that the platform ain’t scam.
More so, read every terms and condition of the lenders before you take their monies. Remember, PockBox will not be held responsible for any fraudulent lender, especially after connecting you to such lender. So here’s our advice again, please be VERY careful.
We wish you the very best though.
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