Kathryn Brock

I got duped into a subscription to justAnswer via a third-party site. I thought I was paying $5 to askalawyeroncall.com, whose page stated the $5 refundable fee. So when I clicked OK and entered payment information, I assumed this is what I was getting. Instead it directed me to the checkout page for justanswer.com where I unknowingly bought a subscription and was charged $46, and apparently I agreed to continually pay $46 per month until I cancel. The initial payment is nonrefundable, so I decided to use justanswer for my needs.

My first chat with an attorney was helpful in finding resources and directing me towards how to get my legal needs met. I would definitely have paid at least $46 for the advice I recieved. The attorney chatted with me until I was confident I didn't need more information. Very helpful.

I took off one star for justanswer for allowing third-party sites to directly access their checkout page, without verifying what the referring page is telling the consumer. This is definitely mostly on askalawyeroncall.com, but the fact that justanswer.com allows this isn't good practice. I think verifying who they partner with, and ensuring customers aren't getting a bait-and-switch, is important. Making sure the customer is clearly notified of what they are buying after being redirected is extremely important. The only reason I even knew I'd been charged $46 instead of $5, and had signed up for a subscription, is because I had signed up for bank account alerts and so I immediately got a text.

Excellent experience with the entire process. The last couple months have been incredibly difficult and stressful, and Upstart just took so much stress away.
The rate is comparable to what I'd get if I applied for a credit card. I wouldn't personally do this as a long term solution, as the interest is on the higher side, but for some cash as a bridge to get through a time when liquid funds are depleted, it's a great deal. And if you're looking to improve credit, this can be a bridge to that as well, since there is no prepayment penalty which allows you to refinance at a later date it you want. Just take the loan, make some payments, use the money to pay down debt and build your credit, then apply for something with a lower interest rate and origination fee.

Registration was difficult, plates still ha e not arrived after 2 months. Everything else was great, and customer service has been excellent, minus miscommunications about registration. They did give me an extended temporary registration to use until my plates arrive (hopefully soon).