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Scam alerts

Spot the fake. Then score the one in your inbox.

Loan scams borrow real names, including ours and the other FrontPay's. They're easy to recognize once you know the four or five moves they all make. Two messages below, one fake and one real, with the tells marked; then a meter you can run any message through.

Fake · what a scam looks like
+1 (XXX) XXX-XXXX · today 9:41 AM
Congratulations! You are PRE-APPROVED for a $5,000 FrontPay loan at 2.9%. Offer expires in 15 minutes.
To release funds, pay the $89 processing fee via Apple gift card or Zelle and reply with the code. Agent Mike, frontpay-usa-loans.com
1You never applied; they contacted you first
2"Pre-approved" with no income seen
3A countdown
4A fee before funding, paid by gift card
5A look-alike domain
Real · what we and our lenders look like
[email protected] · re: your request of Oct 30
Hi Jordan, this is about the request you started on frontpayusa.com on Oct 30. A lender has an offer ready: $1,500 over 12 months at 35.99% APR, $150.69 a month. Review and accept or decline at the link in your original confirmation email.
There is no fee to accept or to decline, and the offer is good for 5 days. Questions: reply here, Mon–Fri 8–8 Central.
1Names the application you actually made
2Full numbers, APR first
3No fee, no urgency, days to decide
4Our domain, our hours
5Sends you back to the site, not to a new link

The red-flag meter.

Tick everything true of the message in front of you. The needle moves. Any single "hard no" is the verdict on its own.

Verdict
Nothing flaggedWalk away

Tick the flags you see.

Most real messages tick none of these. One is a reason to pause; a hard-no is a reason to stop.

How we contact you. And how we never do.

Keep this list; it's the whole test.

We never

  • ✕Text, call or email you before you've applied
  • ✕Ask for a fee to apply, accept, "release" or "insure" a loan
  • ✕Ask for your online banking password
  • ✕Ask for payment by gift card, wire, Zelle, Venmo or crypto
  • ✕Use WhatsApp, Telegram or a personal email address
  • ✕Say "guaranteed", "pre-approved" or "expires in minutes"

We only

  • ✓Write from @frontpayusa.com, about a request you made, naming the date
  • ✓Show the APR, payment and total before anything else
  • ✓Give you days, not minutes, to decide
  • ✓Connect your bank through a read-only link you control
  • ✓Repay by ACH on dates printed in the contract
  • ✓Answer at [email protected], Mon–Fri 8–8, Sat 9–3 Central

Scam
questions

More in the full FAQ.

How will FrontPay actually contact me?
Only after you apply, only from an @frontpayusa.com address, and only about that application. We never text or call first, never ask for a fee, never ask for a banking password, and never ask you to pay anything by gift card, wire, Zelle or crypto. If a message fails any of those, it isn't us.
Someone claiming to be FrontPay asked for a fee to release my loan. Is that real?
No. There is no fee to apply, to see offers, to accept, or to receive funds, from us or from any lender in our network. Stop replying, don't pay, and report it to us at [email protected] with a screenshot so we can act on the number or address.
I already paid. What now?
Three calls in this order: your bank or card issuer to dispute and freeze; the gift-card company's fraud line if that's how you paid (Apple, Google, Amazon and Target all have one and sometimes recover funds); then the FTC at ReportFraud.ftc.gov and your state attorney general. If you shared a banking login, change it now and tell the bank.
Is the FrontPay cash advance at joinfrontpay.com a scam?
No, it's a real product from a different company; we're just not it. Scams do borrow both names, so check the domain character by character. The difference, explained · Is FrontPay legit?
How do I check a lender is licensed?
Every licensed lender shows a state license number and a physical address. Search the number on your state's financial regulator site (NMLS Consumer Access covers most). If the lender's site has neither, that's the answer. State regulators, by state

Keep reading.

Is FrontPay legit?The dossierCustomer serviceWho answers whatNo credit check loansThree phrases, decodedResponsible lendingOur eight rules
$200–$5,000Soft check · $0 to apply
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