LendingUSA’s loan program was designed to give you flexibility with your loan payment, allowing you to pay off your loan early with no prepayment penalty. Furthermore, your loan may include a promotion* that allows you to pay no interest on the principal amount of your loan if you pay the loan off in full within the Promotional Period. If you take advantage of this promotion, you will only be responsible for the payment of the amount financed and the loan origination fee.
The origination fee is a non-refundable prepaid finance charge that covers the cost of processing, underwriting, approving and funding your loan. It is included in the principal amount of your loan and does not affect the original amount you were financed for.
The origination fee may be up to 8% of the amount financed. The exact dollar amount will be stated on your loan agreement.
Your initial application consists of a “soft” credit pull, which allows us to provide you with a fast pre-approval decision that won’t impact your credit score. Following pre-approval, your application may later be denied during our underwriting and quality assurance process, which includes income verification checks and other steps.
To check on your application status, please call (800) 994-6177 and select option 1, and then option 2 to connect with a Loan Coordinator.
Your first payment is due within 30 days of your disbursement date. An estimated first payment due date will be listed on your loan documents.
You can find your current loan balance and other useful information by going to https://lendingusa.com/online-account-management/ and clicking “Manage My Account.”
You can set up payments by going to https://lendingusa.com/online-account-management/ and clicking “Manage my Account.” We strongly recommend setting up a payment schedule through ACH, or autopay. It’s the easiest and fastest way to ensure your loan is paid on time. If you need assistance setting up autopay, please contact our Customer Service department at (800) 994-6177.
To pay by check, make payable to LendingUSA and mail it to the following address:
P.O. Box 206536
Dallas, TX 75320-6536
To apply for a loan, click here and fill out the application. Applications can only be submitted online and cannot be done by phone.
To be eligible, you must reside in a U.S. state that we provide loans in, have a valid social security number, and be at least 18 years of age. Your eligibility also depends on other factors such as your credit history and monthly income. We do not provide loans to residents of CO, CT, IA, MD, ND, NH, NY, VT, WV, PR or any other unincorporated US territory.
Loan amounts range from $1,000 to $12,000, but vary by loan purpose.
Personal loans through LendingUSA have a fixed repayment term. Credit cards often have high variable rates and no set repayment term. With a loan through LendingUSA, you will know the exact amount you need to pay each month and have a set loan term with a defined end date.
We encourage you to contact us as early as possible if you have a hardship or life change that you believe will affect your ability to make on-time payments. Please contact our support team at (888) 387-7036 and they will discuss available options.
You can request a loan cancellation by going to our loan cancellation page and completing the form. Our customer service team will then reach out to you regarding the next steps in the process.