Along with our partners, we help you move forward with the best loan and the best car.Founded in 2015, Lendward is managed by a team of experts with decades of experience in the auto loan industry. Our foremost concerns are customer service, ensuring that the process goes smoothly, and getting our customers loans that don't break their budgets.We help get you the best deal possible on a new loan, or get out from under a burdensome existing loan with a refinance.We find you the car you want within your financial parameters.Our charter is to provide a quality experience for our customers when they purchase an automobile and work with a reputable dealership to secure financing and the car of your dreams. We work directly with an extensive network of leading car dealers nationwide that provide exceptional service.Our courteous, professional customer service representatives do not work on commission, and we require that they all have prior lending experience. Most importantly, the people at Lendward care. We know our business depends upon each customer having a favorable experience.
Is Lendward legit?
Lendward (lendward.com) has a 4.4 out of 5 rating on OK.one, based on 100 user reviews collected here. It is listed under Vehicles & Transportation and its reputation is good. 84% of reviews are 4 stars or higher and 14% are 1 star; The business has replied to 87% of negative reviews; Reviews mostly discuss Customer service, Product, User experience. Last updated 2026-09-05.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff and sales team for being exceptionally helpful, ensuring the vehicle purchasing process feels smooth and straightforward from start to finish. Many people note that representatives are genuine, friendly, and welcoming, creating a comfortable environment where buyers never feel pressured into making a decision.
Some reviewers were not happy with promotional letters that did not match actual dealership offers or that led to unexpected credit inquiries. A few consumers also mentioned encountering communication delays, feeling that interactions with support were unhelpful regarding their existing car loans.
Auto-generated from all reviews of this business. For reference only.
Very satisfied that the company has reached out to help get me the car that I actually wanted instead of just settled for so I like to appreciate and thank for the help.
Reply from Lendward2026-01-23
Hi James, thank you for sharing your feedback! We’re very happy to hear that you didn’t have to settle and were able to get into the vehicle you truly wanted. Helping customers explore better options is exactly what we aim to do. We appreciate your trust in Lendward and wish you many great miles ahead. 🚗✨ - The Lendward Team
Lendward gave me the push to go to the dealership and now I have a new car for my family.
Reply from Lendward2026-01-26
Thank you, Eljay, for the 5-star review! We’re glad Lendward could give you the confidence to visit the dealership and help you get a new vehicle for your family. Wishing you many safe and happy miles ahead—thanks for choosing Lendward! 🚗⭐️ - The Lendward Team
If it was not for Lendward i would not have my brand new car they gave me the push to go to the dealership
Reply from Lendward2026-01-26
Hi Kristopher, thank you for sharing your experience! We’re happy to hear that Lendward gave you the confidence to visit the dealership and that it led to you driving home in a brand-new car. That’s exactly what we strive to do—help customers explore better options. Thanks again for choosing Lendward, and enjoy your new ride! 🚗✨ - The Lendward Team
I got a letter that sent me to a dealership where they put me into a brand new 2025 Ford truck. In an email they also sent they had me get my credit score boosted by 16 points before I went to the dealership. Very happy with the great help that they have been.
Reply from Lendward2026-01-26
Hi Byron, thank you for sharing your experience! We’re thrilled to hear that the letter and follow-up guidance helped prepare you for the dealership visit and that you drove away in a brand-new 2025 Ford truck. We’re especially glad the credit-boosting tips made a difference before your appointment. Thank you for trusting Lendward, and enjoy every mile in your new truck! 🚙✨ - The Lendward Team
They gave me a good deal versus the auto loan I had directly through a dealership. I was able to get me a newer car with a better price deal that what I was given at the dealership. If you go through the process correctly, they will give you a great deal!
Reply from Lendward2026-01-26
Hi Zaria, thank you for sharing your experience! We’re glad to hear that going through the process helped you secure a newer vehicle with better terms than your previous auto loan. Helping customers explore better options is what we’re all about. We appreciate your trust in Lendward and wish you many happy miles ahead! 🚗✨ - The Lendward Team
Got an unsolicited letter with big "too good to be true" promises. Decided to check it out and yep. Too good to be true. The dealership took the letter and completely ignored anything it said. They weren't interested in helping me and tried talking me in to doubling my car payment to get a new car.
Then Lendward followed up, asking how everything went. I told them it didn't and nothing had come of it. Haven't heard anything further. No idea what this company is other than a waste of time for me and the dealership.
Reply from Lendward2026-01-26
Hi Elizabeth, thank you for taking the time to share your feedback. We’re genuinely sorry to hear that your dealership experience did not meet expectations. Our goal is always to connect customers with participating dealers who are willing to review available options based on each individual situation, but outcomes can vary depending on credit, inventory, and lender guidelines at the time of the visit.
We do appreciate you letting us know how your visit went, and your feedback is important as we continue working to improve communication and alignment with our dealer partners. If you’d like us to review your experience further or connect you with a different participating dealership, our team would be happy to help. Thank you again for sharing your experience.
— The Lendward Team
So thankful and happy we were able to work with Lendward.
Reply from Lendward2026-01-26
Hi Destiny, thank you so much for your kind words! We’re truly grateful you chose to work with Lendward and are happy to hear you had a great experience. Wishing you all the best and many happy miles ahead! 🚗✨
— The Lendward Team
In my opinion as a dealer I would Stay far away from Lendward. They make big promises, guarantee sales results, and even claim you’ll get a 100% refund if they don’t deliver. Well, I used their services back in December 2023 — and guess what? They didn’t deliver, and I’m still fighting to get my money back almost two years later.
I first asked for my refund on March 7, 2024, followed up on July 26, 2024, and finally got an email from Frank Herman, their VP, on August 20, 2024 saying: “Working on it Mitch sir. I’ll be in contact this week sir. Just need the owner here.” That was the last time I ever heard anything useful. I followed up again on June 11, 2025, and still nothing.
This company does NOT stand by their guarantees. They dodge, delay, and ignore you until you give up. Lendward took our money, never delivered results, and refuses to honor their refund policy. Absolute scam behavior.
Very smooth and informational through the whole process today . Enjoying my Ford Escape . Thank you
Reply from Lendward2025-09-02
Thank you, Lynette! We’re glad to hear your experience was smooth and informative. Enjoy your new Ford Escape—we appreciate you choosing Lendward for your car buying journey! 🚙✨ - The Lendward Team
I received an unsolicited letter. reading all these "great" reviews sounded oddly scripted and seemed odd considering , as explained by the negative reviews how it actually work or "doesn't work. Its' just the normal go in and then the customer goes to the car place like they do on their own and there is nothing special. So how does Lendward benefit? I wonder if they get paid off of our misfortune. So many companies do this.
Reply from Lendward2025-09-02
Hi Marni, thank you for sharing your feedback. We’re sorry to hear about your concerns regarding our mail offers. Our goal at Lendward is to connect customers with trusted dealerships to explore financing and upgrade options that may not always be available on their own. While results can vary depending on credit and vehicle status, many customers have found value in the process and successfully purchased newer vehicles. We appreciate your perspective and welcome the opportunity to answer any questions directly—please reach out to our customer service team so we can provide clarity and support. - The Lendward Team
The team at Maders Ford made the entire car-buying process smooth, transparent, and stress free. Their exceptional coustom service and honest approach earned my trust, and I couldn't be happier with my new car.
Reply from Lendward2025-08-19
Thank you, Carol! We’re so glad to hear that the Madera Ford team delivered a smooth, transparent, and stress-free car buying experience. Providing exceptional customer service and honest auto financing options is always our priority, and we’re thrilled you’re happy with your new car. Enjoy every mile in your new ride! 🚗✨. - The Lendward Team
I was surprised on how this process actually worked. The team was very knowledgeable and helped me every step of the way. They had a representative at the dealer that knew exactly about this program
And they were very pleasant to work with.
Reply from Lendward2025-08-05
Thank you for sharing your experience! We're so glad to hear that you were pleasantly surprised by how smoothly everything went. At Lendward, we take pride in providing a simple, guided car buying and refinancing process. Our knowledgeable team and in-dealership representatives are always ready to walk customers through every step. We're thrilled we could make your journey into a new vehicle easy and enjoyable! - The Lendward Team
My sales guy John G was very professional and went out his why to make my experience go as smooth as possible. I can say that I'am happy with my new car.
Reply from Lendward2025-07-29
Thank you, Latricia! We're thrilled to hear that Johnny G delivered a smooth and professional car-buying experience. At Lendward, we’re committed to making the vehicle purchase process easy and stress-free. Enjoy your new car, and thank you for trusting us to help make it happen!
- The Lendward Team
Thank you, Mishon! We're glad to hear your experience was friendly and straightforward — that's exactly what we aim for at Lendward. Clear communication and a helpful team make all the difference in the car-buying journey. We appreciate your feedback! - The Lendward Team
Misleading……..
There letter stays it will help you get you out of your loan. This is not what they do. They have you go to a dealer thinking that these two business will work together and terminate your loan. This is not what they do.
The dealer paid no attention to the letter. Ran my credit looked at my car and told me the only option was to keep my current loan and get another car through them making me pay two car payment.
How on earth is that helping me terminate my loan. If you get this letter I ask that you throw it away. They make a promise to help terminate you loan in conjunction with the dealer. This is just where they get you. You’re already in the dealership. You’re approved for a car so just get another loan. They have no intention of helping anyone terminate there loan.
This is a misleading scam plain and simple
Reply from Lendward2025-07-10
Hi there,
We’re sorry to hear about your experience and appreciate you taking the time to share your feedback. Our goal is to present real options that can include trading in a vehicle, refinancing, or upgrading to a new one—depending on what’s best for each customer’s situation. We understand your frustration, especially if your expectations didn’t match what happened at the dealership. Thank you again for your input—it helps us improve the clarity of our communication and customer experience.
– The Lendward Team
Hi Veronica,
Thank you for the kind words! We’re so glad you had a great experience. 😊 Let us know if you ever need anything in the future!
– The Lendward Team
Lendward helped me solve a major transportation crisis. Now I am driving a safe car with affordable payments. Thanks Lendward’
Reply from Lendward2025-07-10
Hi Kim,
Thank you for the kind words! We’re so glad we could help you through a tough situation and get you into a safe car with affordable payments. 🚗💙 We're here anytime you need us—enjoy the ride!
– The Lendward Team
On a confusing day of buying a new car it straight forward and easier to navigate threw
Reply from Lendward2025-07-10
Hi Julie,
Thank you for the review! We’re so glad we could help make a confusing day feel more straightforward and easy to navigate. 😊 Enjoy your new car, and let us know if there’s anything else we can do for you!
– The Lendward Team
Invasive letter in the mail?
So! After a couple calls to Lendward and sitting down with their partnered dealership:
The short answer is this is just a mailer to get people through the door! Nothing special. Nothing new.
Misleading language on this letter:
This is NOT some kind of new loan termination. If you are stuck in a position where your vehicle has negative equity that still reigns true! They will go about it the same as all lender do: take the difference of your vehicles worth and minus that from the remainder of your loan. That residual amount, negative equity, will roll over into your new auto loan if you choose to go ahead and do business with whatever dealership won the special spot at the top left of your mailer lol. Same as always.
This is NOT a pre-approval. You might already know, but when you go to your favored lender and apply for a preapproval, they give you a set amount and you can click your heels together and take that piece of paper to any dealership and sometimes private seller you want! Girl, this is not that. Flip that letter over and you'll see how they've safety netted themselves. This is a prescreening. That's how they had so much specific information about your financial situation. But you can do what they've done and use things like myFico to loosely judge your financial situation and figure out for yourself if its time to ditch your vehicle. Do not let them pull you credit and disrupt your credit building progress for something you already know.
So no they aren't giving you a clean slate and just paying your remaining balance. You'll still have negative equity and the dealership will most likely try to put you in something much much more newer and expensive to make sure lenders dismiss the negative equity and still make a significant profit without risk.
All that being said, they are a legitimate business. They do help people. They're a bit young, 2015 founded so as of now 10 years old, but they have more good reviews than bad. Just be informed, know your situation better than them, and figure out if they're right for you next auto loan!
Very pleased with the ease of the whole process. Thank you for accommodating me. I love my new car .
Lisa Ross
Reply from Lendward2025-05-30
Hi Lisa,
Thank you so much for the kind words! We’re so glad the process was smooth and easy for you—it was our pleasure to accommodate you. Enjoy your new car! - The Lendward Team
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