Do you agree with Climb Credit's TrustScore? Voice your opinion today and hear what 193 customers have already said.
Climb Credit is an online company. Based on 50 reviews on TrustPlane, it has an average rating of 3.5 out of 5 stars. Last reviewed February 6, 2026.
Very janky and unprofessional company. When I accidentally submitted the wrong date for a payment. I started receiving letters about it immediately and no one would reverse the NSF FEE. But, now that I have paid the loan off no one wants to mail me a zero balance letter. Terrible and so is the corny fraudulent Great Learning school in India that I borrowed money from CLIMB for.
Climb credit union out of Colorado Springs Colorado has jacked my account so many times on my auto loan. They have double pulled numerous times they have pulled after doing ski pays. They are ridiculous. They don’t reply to your emails. They don’t fix anything. I’ve been asking for over two years, they have my phone number updated and they still haven’t done that this place is a friggin joke at this point. I would take Wells Fargo over Climb credit union run. Do not accept any offers from this POS establishment.
I was enrolled into a loan with Climb Credit through a partnership with Achieve Test Prep, and the experience felt incredibly misleading. I was under the impression I was signing up for educational services—not a loan for over $11,000 with 23% interest.I was rushed through the process, never saw a full contract, and was only asked to click a checkbox (or the rep may have done it for me). I was not given time to understand what I was agreeing to, and no funds were disbursed to me directly.When I realized what happened, I immediately tried to cancel but was denied. I never received any services. I had to dispute the charge with my bank to get my money back. This whole process felt deceptive, predatory, and extremely unprofessional.I would not recommend working with Climb Credit or Achieve Test Prep without thoroughly reviewing every detail. I’m filing complaints with the CFPB and BBB as well.
The worst decision I have made in my life was take a loan from climb credit. They have literally destroyed my entire life. I took a loan which the funds were never received by the school or me. I cancelled the application, they acknowledged it and yet reported me for not paying for a loan I never ever received. My credit score is down the drain, I can’t reach climb credit on phone, the email is not being replied and I am left drowning in my tears on a decision I made thinking it would make my life better. I need help! Never ever use Climb credit. Please run!
It is horrible! I feel they misled me, lied to me, and scammed me. They have it all on their audio recording from the phone calls. I had to fight to get even a portion of my money back! I went through several phone calls and out of fully paid tuition they wanted to give me a $695 refund. This was after I paid thousands of dollars and only got 3 classes out of the classes I was promised. I had to appeal that and finally got a little bit more of a refund, but not what it should have been! Except I haven't got the money back. I keep getting the run around from Achieve and Climb Credit, Which is where my loan was through. Mind you, my loan is paid in full. But Achieve said they had to send my money to the loan holder, because that is the contract they have between the two institutions, and that is their process. Then the loan holder would refund my money to me. I have spoken with several people from both institutions, and no one can seem to tell me where the refund is. This is months later. Stay away from them. Don't take a loan from climb if you can avoid it. I think it's ridiculous! With the cost of college, students getting scammed is crazy! It's already expensive enough to go to school these days!
I signed up for this climb to help rebuild my credit and just like many others I was absolutely fooled. I called my credit score company and they told me they were not reporting which actually decreased my score. Whenever I phoned them, they did not take me seriously and I actually heard them chuckle in the background. Be very aware of this company. Do not use there.!!!!
Since my loan was disbursed 3/2023, I have had two payments taken out of my account every month. I am unable to speak to anyone but received text messages stating they are "working" to resolve the matter. I am told that the reason for 2 payments is that 2 loans were disbursed to the school. When they receive the money back from the school, they will refund that money. However, there is only the document for the one loan being disbursed and I only receive one monthly statement with one account number. DO NOT MAKE THE SAME MISTAKE I MADE. I have sent a secure message through their website and have not received a response. So, I have removed authorization for automatic payments to be taken out of my checking account and plan to seek legal assistance in resolving the matter.
They advertise 0% loans yet never grant them. It's a scam to advertise only to heard young people in to get them to sign up for high interest loans. Do not waste your time...its a joke!
It's a scam.This company appears to be a foreign company. Their website is terribly made. Take note of their photos and that they have NO CONTACT INFORMATION.Careerist never graded my exams, nor even spoke to me. My account went a total of six months when finally someone reached out. By then I had been hired at another job for what career I had previously.I attempted to contact Climb on six separate occasions to no avail.It's a complete scam.Do not do business with this company.
I went through absolute nonsense to apply for the loan. Found a coborrower, signed it. Ended up dropping out of the bootcamp (twice). I have repeatedly called Climb to address the issues with the disputed loan amount. Their own systems don't even reflect the correct fund value and they are now asking for a dollar amount well in excess of what was borrowed or used. I did not complete the program. I do not owe this money as it wasn't relevant anymore. The funds were returned to them as far as I am aware. If General Assembly failed to refund them, they need to take that up with them, not me. I have no contact with the school and to get a nasty message from a third party like that a literal day after having the biggest debt in my life removed from my credit finally after over a decade of fighting is an absolute nightmare. There is a data discrepancy between their original application platform, UAS-the payment platform (for some reason) and the data the folks on the phones have. I have wasted something like an entire work week's worth of time this calendar year calling and arguing with these fools. I don't know who they paid to submit 5* reviews but take them with extreme caution, they're lying. This company is predatory, they are full of lies and they are running a scam, frankly. I'll be filing a complaint with both the State of California and the Consumer Financial Protection Bureau this Monday since Climb can't get their stuff together well enough to have prevented things getting to this point. It is SHAMEFUL to be providing loans for technical education and have such weak, ridiculous data management and organization. Clearly not being run by accountants; accountants know how to process freaking software.I am absolutely sick to my stomach at having to deal with this right before Christmas. Rude and disgusting behavior by a disreputable company that pays to manage their SEO so their negative stories don't pop up first. I checked beforehand. A LOT MORE STORIES ARE POPPING UP ABOUT THEM NOW AND NONE OF THEM ARE GOOD.If you're considering borrowing from them for a technical education? Don't. Go online, look up "Free coding resources" and check reddit for communities. Don't put yourself in the position I'm in.Good lord I'm furious about this...
My experience with Climb Credit is absolutely awesome so far. Very simple and quick application. Expedient approval. Thanks Climb Credit Crew
Great servive
Easy, Fast, and Efficient.
Great experience. The process was quick and easy. The online staff was extremely helpful when assistance was needed. Thank You!!!
Well it was easy to apply and the approval process was easy but it lacked next steps. I could not find how or when funds would be sent to the school. There was no dedicated person to answer my questions
thank you guys so much
User friendly site to apply and got pre-approved right away. The Climb team kept me up to date with the process and made sure I was able to turn in the necessary documents to expedite the approval process. Once everything was approved, Climb contacted my school and confirmed the exact cost of my classes and even updated me after everything was confirmed. Simple and quick so I can start on my education right away. I am so excited!
Climb is an awesome company, they saw a niche in the technology industry and grabbed it and now because of them I am going to a bootcamp to become a software engineer and not keep wondering what am I going to do with my life-in short they made the opportunity to get A very valuable skill and made it into a reality for me and I'm unbelievably grateful
The process was very quick, easy and straightforward. I would and have recommended Climb after my stress free experience with them.
This company needs to fix its phone line situation asap. They don't have a representative right away when you call them, instead you have to leave a message for them to call you back. They called me back in three days. I was past the period or deadline to make a payment. I made a reckless decision to apply for a loan for an online boot camp. Boot camps are not my thing and I'm better off at my own pace. I had to explain to them that I'm sorry I went past the deadline. This is something they don't take lightly. They actually took two months to fix my issue and mailed me a refund of the interest that I paid to the loan. They assured me that I won't have the obligation to pay it all back. Thank God for them!! They are a legit business and yes, upon reading the negative reviews of this company, they are actually a great company to work with. I just had to wait for the outcome and now I don't have to default on the loan. My credit scores won't be affected. But I'm not going back to this experience and I won't be working with them in the future. They need to work on having more people answer their phone calls, not an answer machine. Yes, they have a chat box and the customer service there is good, but speaking to a person is better.
According to TrustPlane, Climb Credit has a 3.5/5 rating based on 50 verified reviews as of April 2026. Source: trustplane.app/company/climbcredit-com
