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Service Loan South

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LAST UPDATED: June 27th, 2019

Founded in 1974, Service Loan South serves customers in Texas, Tennessee, Alabama and Georgia. The lender offers personal loans to customers who have fallen on hard times and who need short-term cash to help with immediate needs. In addition, the company offers tax help and financial education. The company is committed to giving back to the community and helping people get back on their feet following economic hardships. This lender excels in a personal commitment to its customers. However, a lack of loan options hurts its cause.

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The Good

  • Family-Like Service
  • Loans for all Credit Types
  • Financial Education

Family-Like Service 

One common issue customers have with lenders and other financial institutions is that they lack a personal touch. You won't find this with Service Loan South. The lender is truly committed to helping the families in their communities achieve better financial security and achieving their economic goals. You'll find care, concern, and friendliness when you do business with Service Loan South. In an industry where customer service is often poor, Service Loan South delivers. Agents understand your concerns, your needs and how to best address these. In addition, customers appreciate that Service Loan South is honest and up front on all its dealings and advice it gives.

Loans for all Credit Types

Service Loan South believes that everyone deserves to qualify for a loan, even if they have less-than-ideal credit. If you fall into the category of having poor credit, you can still get the personal loan you need to help with your mounting financial costs. We find it helpful that customers with less-than-perfect credit are not disqualified from being approved for a loan. Yes, such customers will have higher interest rates on their loans, but at least they have the opportunity to secure personal loans for their needs. It's also a plus that there is ample information available to customers and potential customers online. This helps ensure that customers won't go into the borrowing process uneducated or unprepared.

Financial Education

Service Loan South has educational materials on its site to help guide you in your loan application process. The resource will help determine whether a personal loan is in your best interest and what you can expect from one.


The Bad

  • Limited Loan Types
  • Difficult to Find Contact Info
  • Little Information About Loans

Limited Loan types

Service Loan South offers personal loans for a variety of financial needs; however, the lender doesn't offer auto loans, mortgage loans, student loans or other loan types. This way, if you hope to meet all your lending needs in one place, Service Loan South won't be the answer for you.

Difficult to Find Contact Info 

If you have any questions about what Service Loan South offers or what is right for you, you'll have to first track down a local branch office. There is no general contact number. This seems like an extra, unnecessary step that only further delays the borrowing process. Another complaint often heard from customers is that customer service is not available at extended hours.

Little Information about Loans

A visit to the lender's website won't tell you anything about the maximum loan amounts a customer can get, the term length or the interest rates available. These are important details that should be on the website. Customers share concerns about the lack of information on the website and about the inability to obtain other types of loans other than those of the personal variety. Another complaint often heard is that customer service is not available at extended hours.

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The Bottom Line

Casting the negative aspects of the company aside, Service Loan South is an excellent choice as a lender. Customer service is excellent, and just about any type of customer is eligible for a loan. This gives the customer with poor credit hope that they, too, can obtain the financing they need without having to go to a payday lender or someplace with extremely high rates. If you are looking for loans other than personal loans, Service Lender South won't be a good choice, by if you need a personal loan, you'll love with this lender has to offer.

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Rebecca J Doll Bean Station, TN

The manager in Morristown TN straight up called me a lier. His name is Kevin and he was very rude. I had no reason to lie.

4 years ago

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Maria Hale Opelika, AL

I never made a late payment! They reported my acct not more than two payments past due!

4 years ago