Where does Ledge do business?

Ledge is a lending platform based in Santa Monica, CA. It was founded in 2015 and offers access to personal loans in 50 states across the USA..

Does Ledge charge an origination fee?

Yes, Ledge charges a loan origination fee. 

Does Ledge charge a late fee?

Yes, Ledge may charge borrowers a late payment fee.

Does Ledge charge prepayment fees?

No, Ledge does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow from Ledge?

Loan amounts start at $50 and go up to $5,000.

What is the maximum loan term for a Ledge personal loan?

Ledge offers personal loans with a maximum term of 6 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a loan with Ledge?

Applicants with a credit score of at least 560 can apply for a loan via Ledge. The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via Ledge. Their rates fall within the limits of The Military Lending Act.

  • Max Loan Term (Months)
  • Institution Type
  • Credit Score Range
    560 - 750
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
    Only Individual Applications
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • No Prepayment Fee
  • Payment Options
    Automatic Payments
  • Loan Amount
    $50 - $5000
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