LendingUSA exists to provide smart financing solutions at the important moments in life. The money people need when and where they need it.
Is LendingUSA legit?
LendingUSA (lendingusa.com) has a 4.5 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. 85% of reviews are 4 stars or higher and 9% are 1 star; The business has replied to 50% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-12.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being exceptionally helpful, knowledgeable, and patient throughout the entire loan application process. Consumers note that friendly representatives clearly explain every single detail and patiently answer all questions with remarkable professionalism.
A few other people also felt that the overall loan approval procedure was remarkably fast and completely straightforward. Reviewers deeply appreciate the easy access and seamless digital communication used to keep them constantly informed every day. People emphasize how wonderful it is to work with such dedicated coordinators to handle their personal financial needs.
Auto-generated from all reviews of this business. For reference only.
As a business owner, partnering with LendingUSA has been a game‑changer for my dog training company. I’m now able to offer my clients simple, stress‑free financing options that make professional training more accessible. The setup was smooth, the platform is easy to use, and the approval process is quick for my clients. Their team was fantastic — supportive, knowledgeable, and truly committed to helping my business succeed. LendingUSA has added real value to my company and improved the experience for the families we serve. Highly recommended.
Throughout the process, everyone was kind and answered all of my questions. Unfortunately, I didn't know what all questions to ask, and they didn't volunteer the rather high origination fee (whatever they called it) nor did the exorbitant interest rate, which is higher than I was paying on any of the debt I was trying to get lowered, come up until the final "sign these documents" was done.
The customer service experience was great. The reason for the low score is the high interest rate. $5k interest on a 10k loan is insane! I have a very good credit score which makes this more disappointing.
Great customer service. My husband was dealing with colon cancer etc and I work graveyard shift. They showed great patience in setting things up with all that was going on. I will definitely spread the good word about there amazing company.
My experience with you guys was absolutely wonderful easy everybody is wonderful taking their times to explain everything so clearly. I appreciate Lending USA for giving me opportunity for take care of my bills. I would recommend to my friends and family thank you very much.
Jonathan Choi was outstanding. He treated us with respect and kindness. He made the experience easy to go thru. He is certainly an asset to your company.
Very professional, kept me well informed of processes and was very strict with document signage via digital means.
The (live) person/s were friendly, answered all questions and kept me informed via email, phone calls and text messages. Each interaction was verified to ensure both parties knew who they were speaking with. Thank you!
Still in the process, so will see.
Think some that I’ve talked to already are lacking a little knowledge & professionalism. More like you are speaking to a debt collector & have not completely received the loan. Also get a text to set up my portal, doesn’t work, so I called them. Have to wait a week. Why send text if it’s not up & running.
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