Pawnee Leasing Reviews 

If zero stars were an option, I would have chosen that. Stay away from this company. The are dishonest, unethical, and as crooked as you can get. Using them should be an absolute last option. If you do, take the contract to an attorney, even if it cost you a little bit on money, it will save you in the long run. My business was new and we were using credit for the first time on it so the interest rate was higher than what I would have liked. They told me there was no early payoff fee and that I could refinance it after a year of paying on time and showing we can mange our debt correctly. I asked that question 3 different times to make sure, so they suckered me into a personal gaurentee and early payoff was the full amount as if I took 5 years to pay it off. There is no grace period, they start calling you and threatening to reposses the equipment within 1 or 2 days of the due date. The are the sewer of the financing world and everyone that works there should be ashamed to be apart of a company that operates like this.

Our experience with Pawnee Leasing raises serious concerns about their billing practices, contract administration, and overall business integrity. They seem highly unethical and incompetent in all regards.

For multiple years, our insurance provider has automatically sent updated Accord and COI documentation as required. Despite this, Pawnee repeatedly claimed the documents were “not received” and attempted to improperly charge insurance fees. Each instance required extensive follow-up and took months to resolve—suggesting either systemic disorganization or a pattern of improper billing.

They also attempted to charge us for personal property taxes that were already properly rendered and paid directly through the state. These charges were baseless and should never have been applied.

Additionally, our account was repeatedly assessed miscellaneous and late fees that do not align with our payment history and appear to stem from internal accounting errors rather than any contractual breach on our part.

At the conclusion of our agreement, our contractual buyout was approximately $3,000. Pawnee then added over $18,000 in unexplained “miscellaneous” charges with no clear documentation or justification. We were explicitly told these fees would be waived once the contract was satisfied.

Despite fulfilling our obligations, we have now been served with a lawsuit attempting to collect those same disputed $18,000—fees that were previously represented as resolved and that remain unsupported by any transparent accounting.

This situation reflects a pattern of disputed charges, lack of documentation, and failure to properly close out a completed contract. We are actively addressing this through appropriate channels.

Proceed with extreme caution. Maintain detailed records of all communications, verify every charge, and do not rely on verbal assurances.

This company will loan you money and jack up the interest rate to a million. How is the interest rate higher than the equipment?

Stay away from this company for your own good. They have super shady practices. They have many hidden fees that will pop up on you. They will charge you extra if your insurance isn't to their standards. I wish I would have research the reviews before using this company.

Do Not do business with Pawnee Leasing. They are a SCAM!!! My contract matured 11/15/2025. I went on to Pawnee leasing website to look at my dashboard for my contract. It shows everything has been paid for for the contract. I accidentally hit the payoff request button. I get an email stating i still owed another $1,052.74 as of 12/1/25. I called Pawnee and talked to one lady. she said I am in the " Purchasing part of the contract so now i have to pay personal property taxes, Purchase option charges, miscellaneous charges ( which is the purchase option plus sales tax. Termination Fee and another SALES TAX. I kid you not my payoff balance went from $1,052.74 to $1,452.74 in 30 minutes while on the phone with these inept people.. HOW???? I guess because I called caught them scamming us. I already paid almost 14,000 dollars for a diagnostic computer for my truck shop that cost $7,324.00. Now these jokers said i have to pay another $1,452.74 and advised me to call them in Feb when i make the "last purchase payment" to get another quote. This company charges 100- 300% over original purchase price. I doubt this contract will ever be paid off!! BUYERS BEWARE!! DO NOT DO BUSINESS WITH THIS PAWNEE LEASING!!

Fraudulent people and don’t do business with them. Samatha and Austin Thomas from Providence capital stole 2300 plus intrest and the wrong policy and now having to make police report and file in small claims since there attorney ignored my demand name mark Scott. These people are petty and will give you more of a headache then you need. Do not do business with there people lots of fraud and negligence

As a new business owner, I was referred to a broker to purchase an $18,000 ultrasound device in February 2024. However, I have since discovered that I was misled into signing a 60-month lease agreement with Pawnee Leasing through the broker, with terms that were not verbally disclosed to me at the time of signing by Pawnee and the broker. And I was severely misled on early payoff.

Misrepresentation of Terms: I was told that I was entering into a loan agreement with no prepayment penalties or an exorbitant payoff amount. After signing the agreement, I learned that I was actually entering into a lease, and I am required to pay for the full 60 months regardless of when the device is paid off. This was never fully explained to me prior to signing.

Hidden Payoff Fees: When I tried to pay off the device early, I was quoted a payoff amount of $46,000, in addition to the $8,000 I had already paid. This is far more than the original cost of the device. I was assured before signing that there would be no hidden fees or penalties for early payoff, but this is not the case.

Deceptive Sales Practices: I specifically asked multiple times if there were any fees for early repayment. Each time I was assured there were none. Reliant Capital and Pawnee Leasing misled me into signing a lease agreement with restrictive terms that were never fully explained.

This issue seems to be widespread, as I have found many similar complaints online with the better business beureau, complaints board, and there is even a facebook group for people conned by them. These deceptive practices have caused significant financial strain on my business. I believe they are intentionally misleading customers for financial gain.

Paid the final installment over 1year ago, got an email recently that says I owe fees and property taxes for 2024. I wondered why so I called, let me just say if and when you have to do the same be aware that is the rudest I have ever heard someone be to a customer! Immediately I was in the wrong because I didn't Pay the termination fee so taxes kept accruing. I had 0 communication with them after lease was paid indicating there was a need to do further! BTW, Archer Capital is who I used to originate the lease, and they were great to work with but apparently, they sell the contract off to others. If you are looking for equipment leasing do your due diligence!

My small Dance and cheer studio fundraised for there cheer mats but couldn’t pay upfront so I convinced my husband to help us lease them until we fundraised the total amount. My kids worked incredibly hard for 6 months to earn 14,000.00 because we were told when signing our lease that there was not early pay off penalty or fees. We asked a lot of questions but the representative kept telling us not to worry it’s legit and will help you even grow your business credit. They also disclosed zero interest rates. I called to pay off our mats in full and they quoted me 37,000.00! I said you must have the wrong account. Then the staff at Pawnee leasing got extremely rude and said you should have read before you signed a contract and hung up on me. I cried for weeks in distress as our little studio is nearing closure due to the extra 700.00 payments a month because they not only charge for this rediculous 100% interest fee they also charge for insurance even if you provide them with your equipment and business insurance which is over 100.00 per month. I’m just incredibly disappointed that I was scammed as I’m a very thorough person. My husband trusted that I new what I was doing and I never thought I’d be scammed into something that is going to cost me more than I make in a year at my little business that I volunteer for for our community. If I was ever going to profit off my little business that is now long gone for 5 years and that’s if my buisness survives paying this monthly payment to Pawnee Leasing for that long. I’m terrified as our community now supports my youth program so much. I don’t want to let them down and have this company take away something so important for our youth and our community. My business charges a small monthly tuition to accommodate families of all poverty. When I opened my business was ment to be affordable for even the lowest poverty class. Now I’ve had to increase rates to try to compensate for the extra payment that’s outrageous and a lot of my lower income earning families have had to take there kids out of something they loved. I did not want my business to turn away any kids and that’s why I once prided myself over other youth programs because I wanted all kids to experience an opportunity to learn and grow in youth sports and not have a financial stipulation on wether there families had to tell them no because they couldn’t afford it. I hope when you read this you can feel the pain this has caused me. I hope you can feel the sadness and fear I’ve felt sense discovery. I hope you can feel the disappointment I’ve felt by doing an abundance amount of research regarding others peoples experiences when trying to fight back for right and wrong and loosing there business anyway because no one will help us or see the incredibly intensive impact Pawnee Leasing has on thousands of communities small businesses. I just hope one day I’ll get on to read new comments and Google posts that justice is finally served. Regardless if my business has already closed or not.

Pawnee Leasing provides an alternative to an equipment loan. Their sales team focus' on getting you the funds (via the lease) for your equipment through other companies that are trying to get you equipment for your business.

The process is easy... too easy to be honest. They cover no details with you about how the 'payments' work. They do everything to get you to sign the dotted line, because in reality, the customer has ZERO options once you sign.

THE AWFUL TRUTH
Pawnee Leasing sounds like they are trying to get you a loan. Once you've actually signed, they've got you in their trap. In my case, equipment was sent to me 2 months later. Did they defer payments until after recieving the equipment? No. After receiving equipment, I could finally open for business.

After a few months of operations, the payments were so high, I started looking for lenders to help payoff the equipment. When I found one that would work with me, they asked for a payoff balance. I told them the equipment invoice months ago was for just under $40K. So I called them expecting them to say the payoff was $30K or so since I had been paying on them for 6 months. I don't think you are even ready to hear what I'm about to tell you. They said the payoff was $78K! I calmly told the person they had to have a mistake. Once we looked through everything, they told me that ALL Payments are due to 'pay off' the equipment. That's more than double what it's worth!

After speaking with them more and realizing that my business is now in jeopardy (since my ROI just went in the toilet), I asked what my options are. She said I could pay the total balance or keep paying monthly. Absolutely no option for a early payoff. Their wording makes it sound like there is an early payoff (to avoid interest), but they just make you pay everything. On top of that, if you make 100% of your payments. There is a final payment to keep the equipment. Meaning they will get EVEN MORE money from you, if you decide to keep the equipment you've overpaid for. I asked one last question. What happens if I can't make the payments? The lady told me that they would seize the equipment, and I would STILL be liable to pay the FULL Balance, even after the equipment was taken from me and I'd only had it for 6 months. It's the most disgusting experience I've ever had with a company in my professional career.

Pawnee Leasing 100% KNOWS the majority of their customers are running low on financial options. So for them to take advantage of startup businesses and individuals that have a crutial need, is borderline criminal. I'm unsure how any of these people sleep at night.

So if you are in need of equipment, and you're low on options, and Pawnee Leasing pops up on your radar... RUN!