Have a question? Check out our frequently asked questions below

What does “No Interest on Principal Option Promotion" mean?

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.

What is an “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.

How much is the origination fee?

The origination fee may be up to 8% of the amount financed. The exact dollar amount will be stated on your loan agreement.

Why was my application denied after I was told I was approved?

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.

How can I check on my application?

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.

When is my first payment due?

You will be able to choose the first payment date from a list that will be presented to you.

How can I check my loan balance?

You can find your current loan balance and other useful information by going to and logging into your account.

How do I make a payment?

You can set up payments by going to 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.

What do I do if I think I’ve become a victim of fraud?

LendingUSA never requires applicants to provide gift cards in order to process a loan application. If you believe you are a victim of fraud or identity theft, it’s important to alert us as fast as possible. Call us at (800) 994-6177 ext. 535 or email our team of fraud specialists at [email protected], and a team member will reach out to assist you with the process.

How do I apply for a loan?

To apply for a loan, click here and fill out the application. Applications can only be submitted online and cannot be done by phone.

How do I know if I’m eligible for a LendingUSA loan?

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 CT, IA, MA, ND, NH, VT, WV, PR or any other unincorporated US territory.

What is the minimum or maximum I can borrow?

Amounts financed range from $1,000 to $47,500 but vary by term and loan purpose.

How is a personal loan through LendingUSA different from credit card debt?

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.

What should I do if I become unemployed/have a medical emergency/life change?

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.

How do I cancel a loan?

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.

How do I resolve an issue?

If you’re experiencing any issues with LendingUSA, we encourage you to bring it to our attention so that we may help solve the problem. You can call us at 1-800-994-6177 or send us an email at [email protected]. We would be happy to assist you.

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