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.

  • 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.

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