Frontwave provided me with a loan for my 2013 Dodge Avenger R/T with no down payment, 2.9 APR while having average credit. Also the year of the car didn’t matter. Payments are completely affordable. California coast required me to have 1,000 down, a car newer than 2012, I forgot the APR but it was higher than frontwave. Soooo thanks friends, you hooked me up with a sweet ride. Ps I used debt protection a couple times for a small fee cuz I don’t make a lot of money. Saved a couple dings on my credit report for delinquent payments.

The app overall is ok (I loved it for the first year-ish), but it seems buggy and crashes often (very often in the middle of making a mobile deposit). Also, every time they make changes in the app it seems to become less user-friendly and more clunky and confusing. Changes don’t seem to add much in the way of useful features, but rather are more superficial visual layout/design changes that really add little to the experience and in fact just make it so that the user has to keep adjusting to a new layout or click in a different place to do the same thing we were doing before, with seemingly little benefit to the changes. The most recent change I’ve noticed which actually makes usability terrible and worthless is that when making a mobile check deposit, there is such little distinction between the identifying numbers of your various business accounts, that you have to choose blindly which account you’re depositing into. I have two business accounts, each one with a savings and a checking. They are simply listed as Business Checking 0000, Business Savings 0001, Business Checking 0000, and Business Savings 0001. Which 0000 and which 0001 correspond to which business??? This is a problem which MUST be fixed. Imagine if you had four or five different businesses - this problem would be an absolute nightmare.

I’ve had this for a few years now and have waited to make a review because it seems unfair if I had it any less than I do now. Sure it give me my money 2 days in advance, but there’s more times than I like to admit where it will be a pending transaction for 5 whole days. The uncertainty of when pay is coming in makes baying pills and other necessities difficult and unpredictable. Not to mention when I was having fraud problems every other representative refused to help or send me a new card, only one individual helped me. Calling is impossible because if you work through their working hours, you’ll have to listen to an automated message which does not actually help. The support option in the app only throws out numbers to a customer service representative without offering any support. Very few times has this been reliable and predictable, and I mean that in a literal sense. Besides the constant unpredictable deposits of my checks, to no real support or help, the confusing nature of this app, it’s better to use this if you’re new to having your own bank. But prepare to switch to a more reliable and predictable service to be yet equipped to pay your bills and other necessities.

I’m 100% certain majority of these reviews were paid for. As a Frontwave member who has been here since 2016 back when they were still pacific marine, I can without a doubt say this has been my worst banking experience ever. The app while it has been overhauled is still well below any modern banks app. Compared to chase or navy fed this app lacks basic functionalities that should be the bare minimum now. Not only that app but the bank as a whole is poorly managed which is sad because for many of the members they had no choice in choosing them as they were forced into it during boot camp. For a credit union that mostly deals with military members it’s shocking that in 2019 there isn’t 24/7 support for your account. Those of us stationed overseas are increasingly burdened when dealing with the mistakes (mostly made on the banks side which is another frustration) as we have to call at inconvenient times to manage issues that would be non-existent with any other bank. I highly suggest anyone interested in this bank or app highly reconsider.