Loan Text Message Scam

loan text


Loan Text: How The Scam Works

Scam Detector has received several emails from people complaining that they’ve been spammed with a loan text message offer. Potential victims have gotten notifications on their cell phones claiming to be from a money lending website. The text message tells the recipients that their loan request has been approved. To get the money, the victim is invited to access the website and to start a new application process.

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Below you can see a screenshot with a couple of spammy text messages inviting the recipients to visit the website:

text message loan

The text message says:

Money Transfer in state OH

Trans. #37673 09/05

Client: Straski

Amnt & Apprv: can be changed after IBV

Appr.: https://domain-name/cmmxkbngm”

Here is the thing: the hook works because the text message loan features the last name of the recipient, too (see “Straski” above), so the victims have a reason to believe that the notification is legitimate.

However, how this payday loan company gathered the last name is a different story. It could be purchased from third-party phishing websites or any other telemarketing lead list offers. Regardless, hundreds of recipients of the loan text message told us that they don’t account for this money lending company.

More vulnerable are people who have applied for a loan in the past. In this case, most of those are gullible and proceed with filing the application form and giving away their private data.

On the reverse note, beware of loan repayment calls such as the Wiggins Adjustments one. Also, read about these text message scams.

Loan Text Message Scam: How to Avoid

The loan text message is just a luring and deceiving scheme, meant to collect your personal data, as well as your financial information. If you look closer at the website they sent you, you will notice that they don’t have ANY option of contacting their office, whether it is an email, physical address, or customer service info. It is the first red flag you should look for when trying to find out more about a site.

Even if the company does lend the money, it is hard to be trusted. If you get the loan text message on your phone, just ignore it.

Text Message Loan: How To Report

Warn your family and friends about the Loan Text Scam by sharing this article on social media using the icons provided. You can also officially report the scammers to the FTC (Federal Trade Commission) using the link below:

Report To The FTC Here

How To Prevent Identity Theft and More


If you want to be the first to find out the most notorious scams, feel free to subscribe to the Scam Detector newsletter. You’ll receive weekly emails – we promise not to spam. Meanwhile, educate yourself with some other fraud-related articles right under this paragraph, so that you can protect yourself in many other aspects and niches. Last but not least, use the Comments section below to expose other scammers.

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selma hrynchuk
Selma HrynchukSelma is a fraud prevention specialist renowned for her expertise in private eye investigations and a remarkable partnership with law enforcement agencies. Beyond her investigative triumphs, her public speaking engagements and written works have empowered countless individuals to protect themselves and stay ahead of deceptive schemes. Selma's legacy shines as a tenacious agent of change, unyielding in her commitment to battling fraud and ensuring a safer world for all.

1 thought on “Loan Text Message Scam”

  1. I received this today. I have no loan request out or pending. Smells and I’m concerned either someone hacked me or this is a smart scam to get me to click on a link:

    Confirm Your Request: $9,525 Loan
    From: Loan Confirmation ([email protected])
    To: [my email address]
    Date: Friday, November 6, 2020, 12:17 PM EST
    Unsubscribe Here
    Report Spam Here
    View Your New Loan Options Here

    Note: This is a service message with information related to your loan request(s). It may include specific details about transactions, products or online services. If you recently cancelled your account, please disregard this message.
    An E-Signature is Required to Continue
    This email is intended for [my email address]

    Here is a summary of your funding request. If you have any questions or concerns about your request, please visit us.

    Confirm Loan Amount Here
    Request # R-948-003-892
    Email: [my email address]
    Date August 2020
    Transfer Type ACH E-Loan
    Amount Requested Up To $10,000
    Total Up to $10,000
    Loan Options Enclosed Above
    PaymentSciences 200 112th Ave NE, Suite 410 Bellevue, WA 98004

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