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Domain Due Diligence

Report for Ondeck.com

Report Date
October 7, 2025
Recommendation
Caution
Overall Summary
Suspicious
  Why we think so? 

⚠️ Quick verdict: OnDeck (ondeck.com) is a legitimate, established online small-business lender with significant U.S. traffic and public listings, but it has a sizable set of consumer complaints about high rates, fees, and dispute handling. Traffic data shows ~280k monthly visits (Aug 2025) and a strong U.S. audience. Technical signals (WHOIS, DNS, SSL) look standard and Google Safe Browsing shows no blocklist matches, and the domain is not flagged by crypto scam lists. Still, multiple complaint threads and some lawsuits, plus repeated reports of confusing loan terms and high effective APRs, create real consumer risk—so proceed with caution and verify contract terms before borrowing.

Confidence Score
78%

Risk Insights

⚠️

Established lender, but consumer complaints are meaningful

  • Large, real customer base and public press presence.
  • Multiple complaints about high effective APRs and dispute handling.
  • Verify loan terms and get costs in writing before committing.

Contradictory Signals

The domain behaves like a real business but has consistent negative user-experience signals for borrowers; this creates a mixed trust profile.

Signal A: High traffic, verified contacts, mainstream press coverage (signals of legitimacy)

Signal B: Significant consumer complaints and legal disputes alleging predatory terms (signals of consumer risk)

Category Scores

Red Flags & Warnings

  • Multiple customer reports of very high effective interest rates and unexpected fees leading to financial harm.
  • documented customer disputes and collection lawsuits; contracts may include personal guarantees and venue clauses.
  • User reports alleging identity misuse or account-related fraud incidents in complaint threads.

🔎 Detailed Checks & Analysis

Domain & WHOIS

Score: 80/100
Passed

"WHOIS shows GoDaddy registrar and long-standing records; no obvious privacy-obscured or short-lived registration that would suggest throwaway scam domains."

Reason: Domain registered via established registrar (GoDaddy) with consistent DNS records and no recent suspicious re-registrations.

Traffic & Popularity

Score: 85/100
Passed

"SimilarWeb metrics for Aug 2025: visits ~280k, Page/visit ~2.35, time on site ~66s — consistent with a live lending product."

Reason: High monthly visits (~280k) and strong US audience share indicate a real service with ongoing user activity.

Technical hygiene (SSL, DNS, MX)

Score: 85/100
Passed

"Observed A/AAAA records, several NS entries (ultradns/enova), and Google MX entries; SSL valid at time of check."

Reason: Valid SSL, multiple authoritative name servers, and standard MX records (Google) indicate proper technical setup.

Public contact information & local listing

Score: 80/100
Passed

"Multiple official emails and a US phone number are listed across site pages and verified by Google Places with a physical address."

Reason: Site publishes emails, phone numbers and social profiles; Google Places listing with high ratings present.

Blacklist / Safe Browsing

Score: 90/100
Passed

"No malicious URLs detected and no crypto-related scam listings for the domain."

Reason: No matches in Google Safe Browsing and crypto scam scanner found no blacklist hits.

Reputation & customer complaints

Score: 55/100
Failed

"BBB and review-site complaints include unresolved fee disputes and allegations of predatory rates; some resolved but many describe financial harm."

Reason: Several consumer complaint threads describe high fees, opaque loan terms, and problems resolving disputes — elevates risk for borrowers.

Trademarks & impersonation risk

Score: 90/100
Passed

"USPTO query returned no matching trademark filings for 'ondeck.com' in the sampled result set."

Reason: No USPTO trademark conflicts or obvious brand impersonation results for the queried term.

Your Next Steps

  • 1

    Confirm rates and total cost in writing: get the exact APR, fees, payment schedule, and prepayment penalties before signing.

  • 2

    Search the complaint history: review BBB and consumer forums for loan-type-specific complaints similar to the offer you received.

  • 3

    Verify account emails and phone numbers: only use official contact addresses found on the site and Google Places; don’t respond to unsolicited request for payment.

  • 4

    Check contract jurisdiction/guarantee clauses: note any personal guarantees and venue clauses that affect litigation or collections.

  • 5

    If you suspect fraud, contact your bank and report to local consumer protection (state attorney general) and the CFPB.

Evidence & Citations

🕵🏻 Keep investigating

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