Last Updated: 04/18/2025
SuperMoney User Recommendation Score +11
Mostly recommended53 total votes
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Highlights
Community Rating
Mostly recommended
APR (Fixed APR)
14.99% - 29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Amount Range
$1,000 - $35,000
Loan Term (Months)
36 - 60
Number of Reviews
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 are available in 46 states and Washington, DC.
Key Takeaways
- APRs starting at 14.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for LendingUSA Personal Loans are on the higher end of the spectrum.
- Fast access to funds. If approved, LendingUSA, LLC will send the money in as little as 24 hours.
- 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?
LendingUSA does not disclose whether it charges late payment fees.
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.
| 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 fund loans within 1 to 7 business days of approval and clearing necessary verifications.
Does LendingUSA, LLC perform a hard credit pull?
Yes, LendingUSA performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are LendingUSA Personal Loans legit?
LendingUSA, LLC was founded in 2007, it is a well-established company that has been in business for 19 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
SuperMoney Disclosure: SuperMoney.com 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
Business Loans
Rating not yet determined (1 Review)
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +11, or 3.2 on a 5-point rating scale.
+11
-1000+100
No one recommends
Everyone recommends
LendingUSA Personal Loans Community Reviews
Would you recommend LendingUSA Personal Loans to your friends?
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
Francis was very polite and helped us a lot with paying off our loan.
HB
Harold B.
Aug 18, 2022
May or may not recommend
If they get your information, they will spam you endlessly and waste your time. Block and report.
Erika L.
Nov 11, 2021
May or may not recommend
Lending USA is a SCAM . I have loan with them that i Never signed for !!! My information on the loan document is wrong . I called lending USA and spoke to the manager Arman who said he can’t do anything .. i explained that i never signed for it and he didn’t care . I spoke to the fraud department which is a guy name Harry who said ...Show More
Richard D.
Nov 4, 2020
May or may not recommend
Do not use this company they can't do billing right they don't do what they say they're gonna do They will not send you a billing statement And want to charge late fees This company is not recommended by me for lending money You asked to talk to somebody high up any corporate office and all you get as a run around nobody will call you back my name is ...Show More
U
Anonymous
Aug 11, 2020
May or may not recommend
DO NOT use this company, try finding another method because they are horrible people. They messed up my credit by reporting that I had a delinquent account with them. I have tried to solve the issue and spoke with different people, gave them proof that after they reported this credit cards account were closed for me and this was their response: They fixed the issue (After a month it showed ...Show More
BM
Barbara M.
Jul 1, 2020
May or may not recommend
Do not finance with this company. I financed a 6 months no interest. I have paid extra every month and called in to make payment. When you pay it on time, they will add interest to it and post later. They are dishonest company and I made a big mistake in getting anything financed through them. I am paying it off before 6 months called to ...Show More
DA
Desmond A R.
May 18, 2020
May or may not recommend
No they will put consideration what's going on with this pandemic going on they are harassing me and dropped my credit score 100 point can wait until I'm done doing business with this company
Jeffrey B.
Apr 22, 2020
May or may not recommend
This company charges usurious rates (mine sits at 25 percent when it is supposed to be between six and eight) when they say they will not, at a percentage that will not, and call me when my payment is 12 hours past due- not one day, not two weeks, not thirty days.
Twelve. Hours.
When I begin to stand up for myself to these colossally rude customer service reps-and every ...Show More
SL
Susan L.
Feb 27, 2020
May or may not recommend
This is an absolutely horrible company. First when you call them, they have a standard practice to ask a bunch of verification questions right from the start. Second, they just flat out lie! I made my payment by phone on 2-16 2020 (and paid a fee of 5.00 to do this by phone since their office was closed and it was the due date , I did not want ...Show More
Matthew S.
Oct 24, 2019
May or may not recommend
Francis was very polite and helped us a lot with paying off our loan.
Rebecca R.
Oct 18, 2019
May or may not recommend
They have horrible customer service. They way they spoke to me was really disrespectful and aggressive. They way they handle their accounts also doesn't align with their contract.
RA
Ruby A.
Oct 16, 2019
May or may not recommend
Thanks to Claudia my issue with my loan is resolved.
U
Anonymous
Oct 15, 2019
May or may not recommend
they have ridiculous verification and protocols and they have so many customers upset that customer service agents are irritated and do horrible job. either lower your protocol to 3 verification or just let the customer know ahead of time you will need 5 or 6 verification so they may be prepared but I'm sure you don't need name,address, email, dob, ss, blood type and hair samples just to make a ...Show More
U
Anonymous
Sep 11, 2019
May or may not recommend
Interest accrues DAILY ...I paid my loan off and when it was clear that my bank had transferred the fund to close out my account they still claimed that they hadn't received the funds, which allowed them to keep accruing interest ....SHADY BUSINESS PRACTICES!!!
Dave O.
Sep 10, 2019
May or may not recommend
Very slow and complicated approval process. I received funding for less than half what I was originally pre-approved for and it was over two weeks after the application date.
Rachael N.
Aug 17, 2019
May or may not recommend
LIE ABOUT NO INTEREST!!! They charge me 100 for interest every bill when there is suppose to be no interest for the first six months. Scammers and liars!!!!!! I paid 400 on my loan and it says I’ve only paid 100. I’m going sue you for falsifying information on a contract! THEY CHARGE 30% INTEREST WHEN ITS SUPPOSE TO BE 0!
U
Anonymous
Aug 14, 2019
May or may not recommend
Por que foi bem fácil a aprovação do empréstimo e muito bem seguro
CM
Cathie M.
Aug 9, 2019
May or may not recommend
I was disappointed as my 1st payment starts before I have my medical procedure done. Tried to get the paper work held until the week of surgery & the guy wouldn't listen to me.
Layla H.
Aug 8, 2019
May or may not recommend
This place is such a scam. You sign a contract with them and then apparently they're just allowed to change the terms on you with no notice prior. Just don't.
Perry R.
Jul 17, 2019
May or may not recommend
Lack of questions lead to an outrageous interest. I was told 5.99. Its over 24%. The date of payment is COMPLETELY inconvenience.
5th ATTEMPT. Looks like negative post wont be allowed!
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