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Last Updated: 04/18/2025

LendingUSA Personal Loans

in Personal Loans from LendingUSA, LLC

Last Updated: 04/18/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Mostly recommended53 total votes

28 users recommend

3 users are unsure

22 users don't recommend

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Compare personal loan offers from multiple vetted lenders.

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It's quick, easy, and won't hurt your credit score.

Highlights

Community Rating

Mostly recommended

APR (Fixed APR)

14.99% - 29.99%(Verified 06/21/2024)

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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, 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

No prepayment penalty.
Considers applicants with fair credit.
Get funded in as little as 1 business day.

APRs as high as 29.99%.
Charges an origination fee of up to 8% of the loan amount.
Does not offer pre-approval with soft credit pull.
LendingUSA Personal Loans does not report to credit bureaus.
No co-sign option available.

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?

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.

LendingUSA Fees

Origination Fee

Prepayment Fee

Late Payment Fee

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.

LendingUSA Eligibility Criteria

Minimum Age

N/A

Bank Account Required?

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.

Contact

Headquarters

15303 Ventura Blvd., Suite 850

Sherman Oaks, CA 91403

Visit Site

Email Support

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

LendingUSA Personal Loans

Get Competing Personal Loan Offers

Highlights

LendingUSA Personal Loans Review

Key Takeaways

LendingUSA Pros & Cons

LendingUSA FAQ

What interest rates and personal loan terms does LendingUSA offer?

What interest rates does LendingUSA offer?

How much can you borrow via LendingUSA?

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

What fees does LendingUSA charge?

Does LendingUSA charge an origination fee?

Does LendingUSA charge a late fee?

Does LendingUSA charge prepayment fees?

What do you need to qualify for LendingUSA Personal Loans?

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

Does LendingUSA, LLC perform a hard credit pull?

Are LendingUSA Personal Loans legit?

Contact

Hours of Operation

Other Services by LendingUSA, LLC