Where does Ledge do business?

Ledge is based in Santa Monica, CA. The company was founded in 2015 and offers personal loans to borrowers in 50 states.


Does Ledge charge an origination fee?

Yes, Ledge charges a loan origination fee .

Does Ledge charge prepayment penalties?

No, Ledge does not charge prepayment penalties. 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 $5000

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

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

What do you need to qualify for a Ledge loan?

Applicants with a credit score of at least 560 can apply for a loan via Ledge.

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.


To qualify, applicants must provide the following documentation:


  • Payment Options
    Automatic Payments
  • Max Loan Term (Months)
  • 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
  • Institution Type
  • Loan Amount
    $50 - $5000
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