Have a question?
Check out our frequently asked questions below

To view your account, visit our Merchant Portal and log in with the credentials provided by your Relationship Manager.

You can request more brochures from your Merchant Portal. Simply log in, look for the “Merchant Resources” section at the bottom, and click the button that says, “Order Brochures.”

Your link and banner are available on your Merchant Portal under the “Merchant Resources” section. Just click “My web banners,” select the appropriate banner, and download it.

LendingUSA strives for the shortest funding period possible. Typically, funds will arrive within 3-5 business days of loan documents being signed.

Our application process is fast and simple, and takes about 7 minutes to complete and receive a pre-approval on a loan decision. After this, the loan will undergo our underwriting process, which takes around 3-5 business days.

Typically, the borrower’s first payment will be due 30 days after the disbursement date. An estimated disbursement date will be listed on the Borrower’s loan documents.

Applications can be submitted 24/7. Our normal business hours are Monday through Friday, 7:00 AM – 6:00 PM PST.

Your Relationship Manager can be reached by phone or email from 8:00 – 4:30 PST.

While LendingUSA works to maximize approvals, a client may still not be approved for a number of reasons, including a low credit score, insufficient funds, or other cause. For questions relating to specific loan applications, please call or email your Relationship Manager.

To cancel or charge back a loan, email billing@lendingusa.com or call (888) 387-7036.

Our Chat feature lets you speak with a member of our Customer Service team through our website. Enter your message in the window and you will automatically be connected to a team member!

All applications can be viewed from your Merchant Portal. In the Portal, click “Review Applications” to see every client that has applied for funding and their status.

You can review application payout amounts and dates at a glance to reconcile banking.

Yes, please identify each borrower with a valid government issued ID, and retain a copy to provide to LendingUSA upon request when needed in order to verify and complete a loan.

We’re happy to train as many team members as needed. Just call or email your relationship manager to schedule a training.

Approvals are valid for 30 days after the initial pre-approval.

You can confirm the amount financed by checking the merchant portal. You can always reduce the approval amount down to the $1000 minimum loan amount. For any approval increases, please call your Relationship Manager.

Our origination fee is how we keep costs low for your business and fund you quickly, and allows us to approve more borrowers than many other lenders. If a client asks, explain it to them as a one-time fee that is already bundled in with their monthly loan payment.

Credit cards work through a revolving line of credit, which is a line of credit that automatically renews as it gets paid off. An unsecured loan is a single line of credit that is only valid for one transaction.

Secured loans are made with collateral, which the lender typically holds as a guarantee against payment. Unsecured loans are made without collateral. All LendingUSA loans are unsecured, which means a faster loan process and more approvals for you.