Mobiloans Customer Service — An Expert, Practical Guide

Channels, response SLAs and what to expect

Mobiloans customer service typically operates across four channels: phone, in-app chat, email/ticketing, and an online account portal. For most licensed online lenders the operational service-level agreements (SLAs) you should expect are: live phone/ chat initial response under 10 minutes during posted hours, email/ticket acknowledgement within 24 hours and a substantive reply within 48–72 hours. Complex disputes or legal escalations commonly require 14–45 calendar days to fully investigate.

When you contact support, record the date/time, agent name, ticket or reference number, and promised SLA. If your issue is payment posting, expect funds to show in the loan ledger in 1–3 business days for ACH, 0–2 hours for same-day card payments, and 2–5 business days for bank transfers that use slower clearing rails. Keep these timelines in mind before filing duplicate disputes — duplicate tickets often slow resolution.

Information to have ready before you call

Preparing accurate documentation speeds resolution. Have these items at hand: your loan account number, full name and DOB as on the loan, last 4 digits of SSN, transaction dates and amounts, screenshots of error messages, bank statement excerpts showing attempted payments, and the exact wording of any emails you received. If you are authorized to act for someone else, bring a signed authorization or power of attorney document; without it the agent must follow identity-proofing rules and will not release account details.

• Minimum checklist to provide immediately: account/loan ID, date/time of payment attempt, payment method (ACH/card), and a photo or PDF of the bank statement line that shows the debit or failure code.
• If disputing a charge or requesting a refund, add: transaction reference number, merchant descriptor as it appears on your statement, and how much you request refunded. For hardship requests include proof of income loss (pay stubs, unemployment letter) dated within the last 30 days.

Common issues, fees, and typical resolution timelines

Common customer issues include non-receipt of loan funds, misapplied or delayed payments, late/collection notices, and questions about interest or fee calculations. Payment posting errors are often resolved within 24–72 hours once the support team receives bank proof. Refunds that require reversal from a merchant or ACH return can take 5–10 business days; full credit-card reversals sometimes depend on the card issuer and can take up to one billing cycle.

Fees and how they are handled: review your loan agreement for explicit fee schedules. Typical structures you will see are flat late fees (example: $25–$50) or percentage late fees (example: 4–10% of the missed payment). Credit reporting follow-ups — if Mobiloans reports your account to a credit bureau and the entry must be corrected — can take up to 30–45 days to update across all three bureaus after the issue is resolved.

Escalation path and regulatory options

If frontline support cannot resolve your issue, ask for the supervisor name, internal escalation ID, and an escalation SLA (e.g., 5–10 business days). Document every escalation step. If internal escalation still fails, you can file a complaint with national and state regulators. In the United States use the Consumer Financial Protection Bureau (CFPB): phone 855-411-2372, website https://www.consumerfinance.gov, or mail Consumer Financial Protection Bureau, P.O. Box 27170, Washington, DC 20038. The Federal Trade Commission (FTC) accepts consumer reports at 1‑877‑FTC‑HELP and via https://www.ftc.gov.

Additionally contact your state attorney general or state banking regulator — their websites list consumer complaint forms and will often triangulate with the lender. If your contract contains arbitration language and you prefer a court remedy, check small-claims court monetary thresholds in your state (commonly $2,500–$10,000) before filing; small-claims generally has faster timelines but limits remedies.

Hardship adjustments, repayment plans, and documentation

Mobiloans (like other short-term lenders) typically offers temporary options: short deferments (7–30 days), installment modifications (stretching a missed payment into 2–4 payments), or forbearance for verified hardship. Expect to provide supporting documents: recent pay stubs, unemployment statements, or a letter from a healthcare provider. Financial hardship agreements frequently include an administrative fee (commonly $0–$50) and will state whether the lender reports the adjusted terms to credit bureaus.

Before agreeing to a plan, request the modification in writing and confirm whether deferred interest accrues, whether the next payment date is moved, and whether the account status reported to credit bureaus will change. Ask for an updated amortization schedule — a clear table showing remaining principal, interest rate, new payment dates and amounts — and keep a PDF copy for your records.

Sample call script and email template (use and modify)

• Phone script: “Hello, I’m calling about account [ACCOUNT ID]. My name is [FULL NAME], DOB [MM/DD/YYYY]. I am calling about a payment on 08.03.2026 for [AMOUNT] that has not posted/was double-charged/was returned. My supporting document is [e.g., bank statement screenshot]. Please open a ticket and provide the reference number and expected resolution SLA.” Note the agent’s name and promised date/time for follow-up.
• Email template: Subject line: “Account [ID] – Payment Dispute / Refund Request – 08.03.2026”. Body: include full legal name, account ID, precise sequence of events with timestamps, attachment of proof (PDFs), the specific remedy requested (refund amount, correction to ledger, removal of late mark), and deadline for response (e.g., please respond within 5 business days). End with contact phone and request for a ticket number.

Who owns Mobiloans?

the Tunica-Biloxi Tribe of Louisiana
MobiLoans, LLC, is owned and operated by the Tunica-Biloxi Tribe of Louisiana, a federally recognized Indian tribe operating within the tribe’s reservation.

How do I pay back my Mobi loan?

Upon expiry, if the account has sufficient funds the loan will be repaid automatically. If it doesn’t, the system will mark a lien of the amount due. A client can also do an early repayment by going to mobi loan menu and selecting the early repayment option.

How do I contact Mobi assist?

1300 479 111
If you have any questions please contact the Support Team at [email protected] or 1300 479 111.

How do I contact Mobi loans?

How can I contact Mobiloans about my bill? You can contact them directly by phone at 877-836-1518.

How long does it take to get money from Mobiloans?

If approved, a Mobiloans line of credit could get cash to your bank account quickly. It takes only a few minutes to apply, and you should find out quickly if you’ve been approved. If you’re approved, you can draw an amount up to your limit to transfer to your checking account as soon as the next business day.

Does Mobiloans report to credit bureaus?

They can. If you fail to make a payment, eventually Mobiloans sends your loan to collections, which affects your credit score. Most short-term loans don’t report payments to credit bureaus directly, however.