American Emergency Fund Loan – Too Good To Be True

The $5000 fund offered by American Emergency is not real or genuine as it seems. Behind the tempting Advertisement is something sketchy meant to rip you off. Did you stumble on an ad on Facebook or Youtube about about $5000 Emergency Fund that offers? This article sheds a light on what American Emergency Fund is and how it operates.

What Is American Emergency Fund?

Set up in January 2023, is an affiliate website that connects loan seekers to lenders offering loans. The website works in partnership with lots of lenders and acts as a middle man between loan seekers and lenders.

Once people visit the website ‘’ they’re made to provide details about themselves. The website asks for their legal name, email address, last digit of SSN, telephone number, etc. After which it connects them to a lender.

 if a lender accepts the loan application, they contact the borrower through information you provide in the loan application. Following that, the loan process follows a similar pattern to any other loan procedure.

American Emergency Fund $5000 Loan: My Experience

Drawn by a YouTube Ad promoting the scheme, I visited ‘’ and opted for a $3000 loan. After filling the requirements – some sensitive data – I waited for 24hrs before a lender contacted me via phone call. I was shocked when I was told the interest rate for a $3000 loan is 50%.

Of course, I didn’t follow through with the loan. However, I’m scared of the information I submitted when applying for the loan. Red Flags That Stand Out – Why You Shouldn’t Trust The Website

Private Information Required

You will need to provide your personal information such as your Name, Address, SSN and Credit card information. It is important you decide if you are willing to share such vital information. This sensitive information can be stolen and used to commit all kinds of fraud.

No Known Funding

There is no known funding source for the American Emergency Fund. Financial backing can come from anywhere and if you agree to the terms of the loan then you are on your own.

No Owner’s Information

The website business contact address gives the impression that the site is run by TPOLTECH, Inc. However, a search on Companies House Registrar showed that the company has gone out of business for some years now.

Shady Practices

The website isn’t transparent with their loan offer. Aside from using misleading Ads, they also delete comments and reviews left by people on their social media pages. This clearly indicates that something sketchy is going on.

How To Easily Detect Loan Scams

1. The lender isn’t interested in your payment history

Reputable lenders make it clear that they’ll need to look at your credit, sometimes getting reports from all three major credit bureaus (Equifax, TransUnion and Experian). Whereas scammers

2. Isn’t Registered or Licensed To Operate

The Federal Trade Commission (FTC) requires that lenders and loan brokers register in the states where they conduct business. If a lender you’re interested in does not list any registered states, it’s definitely a loan scam.

3. Asks for Upfront Fees

Financial institutions may charge a fee for your application, appraisal or credit report, but those charges are deducted from your loan.

4. The lender calls, writes or knocks

A reputable lender will not target you over the phone, through direct mail or through door-to-door solicitation.

5. The Website isn’t secure

When visiting a lender’s site, what you don’t see can be just as important as what you do see. Always look for:

  1. A padlock symbol on any pages where you’re asked to provide personal information.
  2. A URL that begins with “https” instead of “http” (the additional “s” stands for “secure”).

At best, the lack of these safety measures means that the lender isn’t concerned about the integrity of the site. At worst, it could mean that the lender is leaving your information exposed on purpose as part of a loan scam.

6. No physical address

If you don’t find any sign of a physical address, avoid the lender. Many loan scam operators would rather be untraceable so they can avoid legal consequences.

7. The lender pressures you to act immediately

Don’t fall for the urgency plea. One of the hallmarks of loan personal scams is giving you an immediate deadline to sign on for a loan because the offer expires quickly — possibly even the next day.

8. Guarantees approval

There are no guarantees when it comes to personal loan application approval — any company that suggests otherwise should cause you to think twice.

9. Lack of Transparency

 Legitimate lenders may charge application, credit report or appraisal fees. However, those fees will be clearly disclosed on the lender’s website.


$5000 Emergency Fund that offers is not a genuine one. The website links borrowers to lenders who ask for high interests. Meanwhile, there’s the possibility of identity theft due to sensitive data collected by the site.

See similar websites that we have reviewed earlier- Viva Payday Loans, Cup loan

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