Great and profound customer service. He very knowledgeable and made sure I was comfortable and understood everything about my loan. Answered all my questions and allowed me to have time to ask questio... See more
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Review summary
Based on reviews, created with AI
What people talk about most
Based on these reviews
Working with the Lending USA team was very positive. I like the quick response I received . Everyone I had the pleasure to speak to, was not only very knowledgeable, but made my experience easy an... See more
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 e... See more
Johnathon, my loan coordinator was knowledgeable, and so nice. The Debt Consolidation was just the tool we needed. It helps to have such guidance when you are in need of answers.
Company details
Information provided by various external sources
LendingUSA exists to provide smart financing solutions at the important moments in life. The money people need when and where they need it.
Contact info
15303 Ventura Blvd., Suite 850, 91403, Sherman Oaks, United States
- 1-800-994-6177
- customerservice@lendingusa.com
- lendingusa.com
4.6
Excellent
804 reviews
Hasn’t replied to negative reviews
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Rafael deserves a raise!
Rafael was extremely patient, friendly, and knowledgeable. If I had a question, he got back to me in a timely manner with a friendly answer.
October 1, 2024
Unprompted review
Reply from LendingUSA
We're elated to hear about your positive experience with Rafael!
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Everything went very well
Everything went very well. The process was fast and easy.
September 17, 2024
Unprompted review
Reply from LendingUSA
Your positive experience is greatly appreciated. Thank you for sharing your experience with LendingUSA.
Truly Disgusted
Once again I contacted you guys and just like that I've never been heard of.The individual that I spoke to told me I was probably being scammed, Eric Jones you were a good one.Now I'm fighting to keep from losing everything because I thought I was working with truthful individuals.
September 26, 2024
Unprompted review
Reply from LendingUSA
Hi Dennis! Thank you for reaching out. We really want to assist you, but we need a bit more information about your account to help effectively. If you could provide those details, we’d be more than happy to assist you further. Looking forward to hearing from you!
Personal Opinion
How smooth the transition was but the only thing that i would complain about really is the high interest rates of 29% on a loan that you are trying to get out from under with other obligations.
Thank you
September 17, 2024
Unprompted review
Reply from LendingUSA
Hi there!
Thank you so much for sharing your feedback! I’m glad to hear that the transition was smooth for you. We always aim to make the process as easy as possible for our customers.
I appreciate your thoughts regarding the interest rates, and your feedback is invaluable as we strive to improve our services. If you have any questions or if there’s anything else we can assist you with, please don’t hesitate to reach out. We’re here to help, and we truly value your input! Thank you again for taking the time to connect with us!
Unwillingness to handle matters amicably
I have experienced nothing but negligence . I made a purchase September 12th through what I thought was “lending USA “ too later find out that they furnished my NPI to a third party (Cross Rivers Bank) without giving me proper disclosures pursuant the FCRA and GBLA. In Laymans terms “I had NO idea there would be a third party involved that was actually the one financing my loan.” I was under the assumption it would be directly through Lending USA as it was not clearly and conspicuously disclosed to me that Cross Rivers Bank would be involved until AFTER I signed my contract and received my Truth In Lending Disclosure. I then reached out on the 14th (2days later) to express my concerns with the terms on my contract and to cancel the contract ( Federal and State Statutes allow the cancellation of a contract before midnight of the 3rd business day, the right to rescind) for multiple Consumer Rights violations which I can not disclose at the moment and was met with complete disregard of the law. I have reason to believe there has also been deceptive practices with LendingUSA and one good example of this is the discrepancy in loan disbursement. When I spoke to the representative about cancelling my contract she stated that the loans “had not been disbursed but your account is ready to fund” meaning I would have legally been able to cancel my contract and return what was purchased to the merchant and LendingUSA would not have suffered any financial loss, everyone would have been happy. I’ve sent multiple emails with revoking my authorization to disburse the funds due to TILA violations and material misrepresentation and was yet again met with no help. I was acting in good faith and willing to return all properties to the merchant. On the 17th I called the customer rep again and she confirmed yet again “funds had not been disbursed but your account is ready to fund”, and BOOM! 10 minutes later I received an email response ,from my request to revoke authorization. The email stated funds were disbursed on the 13th and no cancellation will be given because “you checked the box and agreed to the terms”. ARE YOU JOKING?! All this to say that Lending USA has complete disregard for the law, consumer protection, and unfair trade practices with an unwillingness to resolve matters amicably. They feel as though company policy and procedure take precedent over Federal Regulations and that is mind boggling to me. I will never do business with them again.
September 14, 2024
Unprompted review
Reply from LendingUSA
Thank you for your feedback. We take concerns like yours very seriously and would like to address each point you’ve raised.
1. Disclosure of Third Party Involvement: LendingUSA operates in partnership with Cross River Bank, as disclosed in the application and loan documentation. We are committed to complying with both the Fair Credit Reporting Act (FCRA) and the Gramm-Leach-Bliley Act (GLBA). The involvement of Cross River Bank was included in the Truth in Lending Disclosure and other relevant documentation. We regret any misunderstanding, but proper disclosures were made in accordance with applicable laws and regulations.
2. Right to Rescind: Under the Truth in Lending Act (TILA), there are specific guidelines regarding the right to rescind certain types of loans. The right to cancel typically applies to loans secured by a borrower’s primary residence. Since this loan is unsecured, those rescission rights may not apply in this case. However, we operate within all applicable federal and state statutes, and the contract terms were clearly disclosed before any commitment was finalized.
3. Loan Disbursement and Contract Cancellation: Regarding your request to cancel, we understand your frustration. The timing of the disbursement followed the agreed-upon terms in your contract. Once the contract was signed on September 12th, the transaction was considered complete, and LendingUSA is obligated to honor the agreement.
It's important to note that your purchase agreement with the merchant, specifically for a dog, clearly states that returns are not allowed. This is a matter between you and the merchant, as they determine their return policies. For the loan to be canceled, the merchant must first accept the return of the puppy and issue a refund back to LendingUSA. Only once LendingUSA receives the refund from the merchant would we be able to cancel the loan. Unfortunately, unless the merchant agrees to the return and issues a refund, the loan remains active per the signed purchase and loan agreements.
4. Multiple Emails and Communication: We strive to provide timely and transparent communication. Our records indicate that we responded to your concerns within a reasonable time frame, and our responses were consistent with both our policy and applicable laws. While we understand this may not have aligned with your expectations, our team acted in accordance with legal guidelines and our internal policies.
5. Compliance with Consumer Protection Laws: LendingUSA fully complies with federal regulations governing consumer protection and fair trade practices. We appreciate your willingness to return the property, but given that the funds had already been disbursed and the contractual terms agreed to, we were not able to cancel the loan at that stage. The agreement you signed, including the checkbox acknowledging the terms, is legally binding and confirms your understanding of the loan terms, including those related to disbursement.
We value your business and always aim to resolve matters amicably. If you have any further questions or need additional clarification, please feel free to reach out. Our goal is to ensure transparency and fairness in all transactions.
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Great experience!
I’m still in the beginning process but my experience with this lender has been very pleasant so far. The reps are friendly and responsive and I get answers to all of my questions. I have already recommended this lender to some friends.
August 30, 2024
Unprompted review
Reply from LendingUSA
Your review is appreciated. We're glad to hear about your great experience with us so far. Thank you for recommending us to your friends!
Friendly Reps and Great Program
The reps are super friendly and helpful, and I've never felt more confident about my future financial freedom.
August 26, 2024
Unprompted review
Reply from LendingUSA
Thank you for your review, Bre S! We are thrilled to hear that our reps were friendly and helpful, and that you feel confident about your financial future.
Compassionate!!!
August 29, 2024
Unprompted review
Reply from LendingUSA
We're utterly delighted to hear that you found us compassionate! Thank you for your feedback.
Highly recommend
The reps answered all my questions and didn't rush me. They treated me professionally and as experts. Would highly recommend them.
August 15, 2024
Unprompted review
Reply from LendingUSA
We're absolutely thrilled to hear about your positive experience with LendingUSA. Thank you for sharing your feedback!
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Relief from Financial Burden
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.
August 19, 2024
Unprompted review
Reply from LendingUSA
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…
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
August 15, 2024
Unprompted review
Reply from LendingUSA
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 really took the extra mile…
Lending USA really took the extra mile to make sure I get my loan fast. Thx!!
August 7, 2024
Unprompted review
Reply from LendingUSA
Thanks for the stellar review, Susana.
Very fast with sending money
Very fast with sending money, good communication.
August 6, 2024
Unprompted review
Reply from LendingUSA
We're thrilled to hear you found our service fast and communication good. Thank you for your feedback!
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Lending USA was and is very helpful…
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.
August 1, 2024
Unprompted review
Reply from LendingUSA
We're utterly delighted to hear about your positive experience with LendingUSA. Thank you for recommending us!
BEWARE
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.
July 15, 2024
Unprompted review
Reply from LendingUSA
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.
Very smooth
They treated me very professionally and with respect. Explained everything though all phases
June 20, 2024
Unprompted review
Reply from LendingUSA
Hi, Therese. Thanks for your review. Glad to hear you had a great experience.
Great service
Very quick. I dealt with the same person every time. He was very polite and explained everything thoroughly.
June 25, 2024
Unprompted review
Reply from LendingUSA
Hi, Lea. Thanks for your review. Glad to hear you had a great experience.
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Great Service
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
June 21, 2024
Unprompted review
Reply from LendingUSA
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
Very quick service and was very polite…
Very quick service and was very polite through the whole process. Would recommend to friends and family to use.
May 16, 2024
Unprompted review
Reply from LendingUSA
Glad to know that you had a great experience.
Reply from LendingUSA
Hi, Customer. Thanks so much for taking the time to write us a review!
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