LendingUSA Personal Loans
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| 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 |
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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.
| 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.
| 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.
| Minimum Age | N/A |
| Bank Account Required? | No |
| Application Types Accepted |
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| 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.
Contact
- Headquarters
-
15303 Ventura Blvd., Suite 850
Sherman Oaks, CA 91403 USA - Visit Site
- Email Support
Other Services by LendingUSA, LLC
Availability
- 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
LendingUSA Personal Loans Community Reviews
Would you recommend LendingUSA Personal Loans to your friends?
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