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.
I want to thank you for taking the time to work on getting me out of debt as quickly as possible. The terms are fair and I am on my way to becoming debt free. Your representative was very helpful and kind to the difficult situation I was in. I highly recommend Lending USA.
Reply from LendingUSA2024-08-28
We greatly appreciate your positive feedback, Susanne. We are glad to hear that we could help you find relief from your financial burden. Thank you for choosing LendingUSA.
The staff was great they helped alot they went through everything i needed to know explained everything had call backs had feedbacks as well i was very pleased with the staff and would recommend thank you all for everything
Reply from LendingUSA2024-08-19
We're pleased to hear that our staff was able to assist you and provide the information you needed. Thank you for sharing your experience with us!
Lending USA was and is very helpful friendly team members ready to answer any question you may have and helped me make it a smooth process would highly recommend.
Reply from LendingUSA2024-08-08
We're utterly delighted to hear about your positive experience with LendingUSA. Thank you for recommending us!
BEWARE! LendingUSA forces you to use their auto draft instead of your bank’s online bill pay. Every month they receive your check on time, however, then sit on it while they send you emails and calls until you breakdown and can’t take the irritation any longer. Then when I paid the account off and overpaid by $6K, they won’t release the funds until 30 days after the check cleared. Thankfully the BBB stepped in and got them to send me my check. I would not recommend Lending USA because of their shady business practices. There are so many other better options out there.
Of course they’re going to have a crafty explanation that is well thought out, but read the other reviews and you will see how honest they really are.
Reply from LendingUSA2024-08-15
Thank you for taking the time to share your feedback. We understand your concerns and sincerely apologize for any inconvenience you experienced.
We appreciate you confirming that you have already received your refund of $6,309.43, which we sent to the bank account you provided. We're also glad to hear that your concern with the Better Business Bureau (BBB) has been resolved.
As previously explained, the refund process involves several steps, which can take some time. First, we need to ensure that the payment has cleared and is fully posted in our system. Once this is confirmed, the refund amount must be reviewed and approved by multiple departments, including management and accounting. After we send the payment to your bank, there is an additional processing period on their end before it is reflected in your account.
In your case, the refund process took longer because we initially did not have your bank account and routing numbers on file—only your debit card number, which cannot be used for refunds. We attempted to reach out to obtain this information, but it took several days to make contact.
We strive to provide transparent and efficient service, and we regret that this situation caused frustration. Your feedback is invaluable as we continue to improve our processes. We hope that you will reconsider LendingUSA in the future and give us another opportunity to serve you.
Thank you for your understanding.
I received excellent service from this company. I believe the process was quick and it went seamlessly. The communication with my representative was great and I would totally recommend using them for your lending needs. Thank you Keisha
Reply from LendingUSA2024-06-30
Thank you so much for your kind words, Keisha. We really appreciate you taking the time out to share your experience with us.
Cheers,
LendingUSA
Credit score near 700, good income, 8 yrs at both full time job and military reserve but was instantly denied for $6k…. Contrary to what they advertise they must have some ridiculous requirements. Complete waste of time!
Reply from LendingUSA2024-04-08
Thank you for taking the time to share your experience with us. We're sorry to hear that you were dissatisfied with your recent application process.
At LendingUSA, we strive to provide financing solutions that meet the needs of a diverse range of individuals. We understand that each application is unique, and while we aim to assist as many customers as possible, there are occasions when certain factors may impact approval decisions.
However, upon reviewing our records, we were unable to find an application under the name provided in your review. If you believe there may have been an error or if you would like to discuss your application further, please don't hesitate to reach out to our customer care team at (800) 994-6177 or via email at [email protected]. We're here to help and would welcome the opportunity to assist you further.
I do appreciate the result because my consolidation loan was approved, thank you! I would suggest better communication, however. I would think that someone would give their client weekly updates of the process. I had to initiate all follow up. I was finally told that the process takes 5-8 weeks just before I received the answer last week. I do not see that any payoffs have been made so will follow up again next week.
Reply from LendingUSA2024-04-08
Thank you for reaching out and sharing your feedback with us. We're thrilled to hear that your consolidation loan was approved, and we appreciate your kind words!
Regarding your comment about communication and the loan process timeframe, we value your input and understand the importance of keeping our clients informed every step of the way. However, upon reviewing our records, we couldn't find a loan under your name with our company.
It seems there may have been a misunderstanding, as we do not offer consolidation or payoff services. At LendingUSA, we specialize in providing personal loans that are disbursed directly to you. We apologize for any confusion that may have arisen.
If you have any further questions or concerns, or if you'd like assistance in understanding your loan status or exploring any potential options, please don't hesitate to contact our customer care team directly at (800) 994-6177 or via email at [email protected].
Thank you again for your feedback and congratulations on your loan approval. We appreciate the opportunity to clarify and assist you.
I have bad credit I was looking for a personal loan for a…
I have bad credit I was looking for a personal loan so I could do some pre maintenance on my car Mr Miller from leanding USA contracted me I was qualified for a loan for 40,000. I told him I have bad credit. No problem my friend he said. In the past I learned that I was going to need to put up some cash to show I'm a responsible person that has bad credit. Long story short 800. Later in still waiting for my loan for 5000.00 okay I'm a idiot. It sucks that they would take advantage of my situation
Reply from LendingUSA2024-04-03
Dear Mike,
Thank you for taking the time to share your experience, although it appears there may be some confusion regarding your interaction with LendingUSA. After conducting a thorough search, we could not locate any records or applications associated with your name in our system. Additionally, we do not have any employees by the name of Mr. Miller, nor do we engage in the practice of collecting money upfront for financing purposes.
It seems possible that your review may pertain to another company with a similar name, but we want to ensure that any misunderstandings are addressed promptly and appropriately. If you believe there has been an error or confusion, we encourage you to contact us directly at 866-212-6119 or via email at [email protected]. Our team is dedicated to resolving any concerns or issues you may have encountered.
Alternatively, if you realize that this review is not associated with LendingUSA, we kindly request that you consider removing or amending it accordingly.
Once again, we appreciate your feedback and apologize for any inconvenience you may have experienced. We are here to assist you and strive to provide exceptional service to all our customers.
Thank you for your understanding.
Everyone I've dealt with during this process has been exceptional! Very knowledgeable and professional.
I appreciate the help during this difficult time.
Thank you, Lynne Letzring
Reply from LendingUSA2024-03-22
Hi, Lynne. Thanks for your review. Glad to hear you had a great experience.
Was pre-approved 10/25. Applied and received email that loan was funded 10/27. LUSA set repayment date for 12/1, but did not actually fund load until 11/13. When I complained, their "internal review" said nothing was wrong. They appear to lack internal controls so I am not sure how this is legal. It also appears to be run out of LA or Mexico, and not NJ.
Regardless, I am filing a complaint with
NJDOBI.
Danny was very pleasant to talk with. He was very professional and polite. He explained everything I needed to know in a way that I understood. It was not a long and drawn out welcome.
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