Sparrow Reviews 

It is difficult to make payments online. The app never work's and the website was working for a while but now it is not working. It makes me question whether this is on purpose so they can collect late fees jas a way t9 make more money ofg the consumer. This card has been a headache from day one. Do mot reccommend at all. There are other cards out there that are better and user friendly. I will be glad when I pay this card off and close this account.

am experiencing severe communication issues with Sparrow. I am currently late on a payment because I am facing a financial hardship. I have emailed their support team three separate times in one day specifically asking for a late fee removal and a path to pay, but they completely refuse to respond to my messages. They are intentionally ignoring a paying customer while letting late fees accumulate. I want the company to contact me immediately, waive the late fees, and provide a clear, fair billing solution."

Called customer service because the card kept getting declined. Was never able to use card. Was informed my customer service that I requested to close account. This was an outrageous lie. Asked info about when etc they couldn’t tell me. DO NOT GET THIS CARD. They say it’s closed but credit report says it’s open.

Much to my misfortune, I had to pay a ticket for a minor infraction, only to have the transaction decline. Not because there was no credit available, but because Sparrow treats this as a money sent transaction, not a purchase. I requested a list of the kinds of transactions they would not allow and was essentially told to just make sure I have a backup payment method.

Dear Customer Service Team,

I am writing to formally lodge a complaint regarding a deeply upsetting interaction I had today, July 4th, with a representative named Michelle.

Before verifying my account status—which currently shows a zero balance as I made a payment hours ago—the representative called to yell at me about my balance. Throughout the call, she was extremely disrespectful, spoke over me, and shouted. Furthermore, she stated that she did not care about the United States or the holiday, eventually used profanity, and hung up on me.

I strongly encourage your company to listen to the recording of this call to see how poorly your customers are being treated. No one should be treated this way, especially on a holiday.

Please have a supervisor contact me regarding this matter after the holiday break.

This card company is terrible. I sent them an email (because their costumer service number is always "after business hours" ) telling them I had been hospitalized and that is why my payment was past due. I was hospitalized for 55 days. This was their response: Hello Sara,

Thank you for contacting Sparrow. We appreciate your communication regarding your situation. We understand that circumstances can impact one's ability to manage their finances, and we want to assure you that we do not intend to put our customers in a difficult position.

We're very sorry to hear of the issues you are facing and truly wish you the best moving forward.

Unfortunately we do not currently offer temporary hardship programs. I sincerely apologize for any inconvenience this may cause.

If you are able to settle your full past due amount of $185.00 by your upcoming due date of May 01, 2026, we would be able to waive one additional late payment fee, but unfortunately we are unable to waive any additional fees at this time. I'm very sorry.

We strongly encourage you to process a payment of even $35.00 as soon as possible to avoid the immediate risk of account closure due to prolonged delinquency.

We thank you for your cooperation and understanding.

Best regards,
Hayley W.
Sparrow Customer Support

They have no support for when issue arise for customers. I couldn't have for seen this happening when I opened the card. They don't offer credit protection, instead they refuse to work with you and continue to drive up your debt.

I paid off the balance on September 20, 2025 and they recently reported a charge off to my credit although I have submitted proof several times that it was paid

For me this has been the best card for rebuilding. I have them all and this one actually rewards on time payments w increases. They have a straightforward app and they take debit cards for payment. Immediate payment updating as well. They also
provide free credit score, and all their fees are upfront. If you have to go this route this is your card.

Ok. I Was Hostile & Going To Close My Account
True U Have To WAIT 4Ever For Customer Service
However I Went Online & U Make It SO EASY
I Have Climbed Down Off Of The Roof & Appreciate That It Is Easy & I Thank U

Easy process. Found really good interest rates. Lots of lender options to choose from.

I applied and have heard NOTHING back and it’s been over two weeks.

Sparrow helped me find the best rate on my student loan. I found the process to be very efficient and would highly recommend Sparrow to friends and family.

Good rate, fast process, and very professional. My only regret is not doing it sooner!

The ease of maneuvering through web page and minimal amount of questions

Too many questions to be given 44 pre qual and my school isnt on the list.

Great news am just waiting on approval

Great product – saved me so much time and money on my student loans! Really like being able to compare between all top lenders with a single application. I'll be saving a ton on interest over the lifetime and will be able to pay down my debt faster thanks to Sparrow!

Borrow with confidence. Sparrow's dashboard made it easy to do an apples to apples comparison across the different loans. The detailed side by side comparisons including some specific guidance on how to choose a specific loan helped me feel comfortable when deciding. I will always recommend my friends and family to use Sparrow.

The ability to compare offers in minutes from so many lenders is incredible. Seriously, no better way to be sure you're not missing out on a better loan offer!

I was incredibly anxious about taking a private student loan because you hear so many bad things about student lending. Sparrow customer service answered all my questions and the FAQs and tips are a great resource. The cherry on top is that I was able to easily compare lenders so that I knew I wasn't being taken advantage of.

Was skeptical at first...honestly is amazing!

I wasn't able to find any other offer until I came here. Sparrow did it for me in like 6 minutes. I usually don't leave reviews - but thank you :))