LendingUSA Personal Loans
LendingUSA Personal Loans
in Personal Loans from LendingUSA, LLC

LendingUSA Personal Loans

in Personal Loans from LendingUSA, LLC
SuperMoney Net Recommendation Score +9  


This product is mostly recommended by SuperMoney users with a score of +9, equating to 3.2 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly recommended

Explore a similar product
Try this top product in Personal Loans.
PenFed Credit Union Personal Loans
PenFed Credit Union Personal Loans 47 reviews
Community Rating Mostly recommended
APR  (Fixed APR) 14.99% - 29.99%
Loan Amount $1,000 - $35,000
Loan Term (Months) 36 - 60 months
Number of Reviews 54

LendingUSA Personal Loans Review

LendingUSA Personal Loans is offered by LendingUSA, LLC, a financial services company founded in 2007 and based in Sherman Oaks, CA. LendingUSA Personal Loans are available in 46 states (and Washington, DC).

Key Takeaways

  • APRs starting at 14.99%. Personal loan interest rates typically range between 5% and 36%. The starting rates for LendingUSA Personal Loans are on the higher end of the spectrum.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • Origination fee of 8%. This is on the high end for lenders on SuperMoney's database.

LendingUSA Pros & Cons

Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 1 business day.
  • APRs as high as 29.99%.
  • Charges an origination fee of up to 8% of the loan amount.
  • Do not offer pre-approval with soft credit pull.
  • LendingUSA Personal Loans does not report to credit bureaus.
  • Charges a late fee.

LendingUSA FAQ

What interest rates and personal loan terms does LendingUSA offer?

LendingUSA has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does LendingUSA offer?

LendingUSA offers a fixed APR personal loan product that ranges from 14.99% APR up to 29.99% APR.

How much can you borrow via LendingUSA?

Personal loan amounts start at $1,000 and go up to $35,000.

What is the maximum loan term you can get with LendingUSA?

LendingUSA offers loans with terms of up to 60 months.

LendingUSA Interest Rates & Loan Terms
Personal Loan Amount $1000 - $35000
Loan Term 36 - 60 months
APR 14.99% - 29.99%

What fees does LendingUSA charge?

Does LendingUSA charge an origination fee?

LendingUSA may charge a personal loan origination fee of 8% of the personal loan amount. LendingUSA deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.

Does LendingUSA charge a late fee?

No, LendingUSA will not charge you a late fee if you miss one of the monthly payments.

Does LendingUSA charge prepayment fees?

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

LendingUSA Fees
Origination Fee 8%
Prepayment Fee No
Late Payment Fee No

What do you need to qualify for LendingUSA Personal Loans?

Applicants with a credit score of at least 620 and up to 850 may be eligible for LendingUSA Personal Loans.

LendingUSA Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via LendingUSA Personal Loans. Their rates fall within the limits of The Military Lending Act.

LendingUSA Eligibility Criteria
Minimum Age N/A
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • Credit Score 620 - 850

    What is the estimated funding time for a personal loan via LendingUSA?

    LendingUSA will typically approve (or deny) a loan application within 24 hours and fund loans within 7 business days of approval.

    Is LendingUSA, LLC a legit company?

    LendingUSA, LLC was founded in 2007, it is a well-established company that has been in business for 16 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.

    SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


    Hours of Operation

    • Sunday Closed
    • Monday 9:00am - 5:00pm
    • Tuesday 9:00am - 5:00pm
    • Wednesday 9:00am - 5:00pm
    • Thursday 9:00am - 5:00pm
    • Friday 9:00am - 5:00pm
    • Saturday Closed

    Other Services by LendingUSA, LLC


      Available in 46 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Delaware
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Virginia
    • Washington
    • Washington, DC
    • Wisconsin
    • Wyoming

    Feature Breakdown

    No Prepayment Fee
    Origination Fee (%) 8%
    Immigration Status Considered
    • U.S. Permanent Resident
    Joint Loan Applications Accepted
    • Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Credit Score Range 620 - 850
    APR Type Fixed APR
    Loan Amount $1,000 - $35,000
    APR (Fixed APR) 14.99% - 29.99%
    Loan Term 36 - 60 months

    LendingUSA Personal Loans Community Reviews


    Would you recommend LendingUSA Personal Loans to your friends?

    Before we publish your vote:

    Please explain your vote by sharing your experience.

    Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

    Please write a review to submit your vote
    (will require moderator approval)


    This product is mostly recommended by SuperMoney users with a score of +9, equating to 3.2 on a 5 point rating scale.


    Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

    sorted by

    Other Personal Loans