LendingUSAReviews of lendingusa.com

1/22/21 UPDATED REVIEW: After posting my previous comment below, a rep did reach out and was incredibly helpful from their corporate office. I changed this review only do three stars just because of my terrible experiences previously (see below), but I did add the two stars due to the help from corporate who made sure to fix their mistakes. I do appreciate that they did this and may change my rating to 4 later if things continue to go well with them. I will give an update. I wish I could give zero stars. This company is crooked, dishonest, and down right shameful. I had asked to be on the pandemic assistance and for them to put a hold on my account for a couple months. They agreed and said they would send me the paperwork but that it would take some time to send since they were understaffed. I waited and waited and called and called and was told that "don't worry" "your account is still in good standing", "you will get the paperwork soon". Months later, and many calls later, the paperwork hadn't come and low and behold I see that my credit has tanked 100 points!!! I was flabbergasted. I called and called and spoke to managers, reps, and various people. No one could help. They said to email the credit dispute department. I did that. Then, they said to send a letter to the credit dispute department. I did that. Finally after 6 MONTHS, my credit was fixed. THEN, last month, I look and my credit has once again tanked 60 points because of Lending co. I called to find out and even thought I was on autopay, it seems my card expired and could not be charged so instead of letting me know that I needed to update my payment info, they just tanked my credit without me knowing!!! They are SO unhelpful when you call, the reps are CLUELESS, and it is nearly impossible to speak to a supervisor. This business is UNETHICAL and I regret so much ever taking a loan from them. Now I am just trying to pay this off as fast as possible so I can get as far away from them as possible! NEVER EVER TAKE A LOAN FROM THEM. THEY ARE THE DEFINITION OF BAD BUSINESS, WITH ZERO MORALS.

I was told on the phone that I would have 6 months no interest and that was a lie! I was able to get half of the fee removed after speaking with them.

Dont really like the finance process and fees but Mr. Francis helped me out from getting charge extra interest fees.

Easy application process. Hoping with a better score lower interest rate. Interest rate is similar to a credit card.

It took us forever to get it to accept our address! They told us to use a relatives address. My husband has great credit, has worked the same job for over 25 years, and it was not approved in his name! Why you have to charge a origination fee? If it is a credit card it should be free for the intro period! Still have not received a hard copy of the signed contract! Other than all that, it would have been a easy process during a family death!

I applied for a loan, they verified with my surgeon that I was scheduled with them for my procedure and I signed all the forms but now I cannot get in contact with anyone at Lending USA. I have called the customer service number 10 times and all 10 times I was on hold then the phone hangs up. If you push 1 for the operator, it tells you that is an invalid selection and hangs ups. This is not a good number. 800-994-6177 but it is listed on the website. I am scheduled to have surgery and right now, I am not sure if it is going to happen because I cannot get any answers. I did not read the reviews before applying with this company because they are listed on my doctor's website as a financing source. I will definitely inform my doctor's office of this experience as well.

I would rate them a 1 after what I had initially gone through. However Matthew Wheeler is the only reason they were able to recapture my business. He single handledly helped me resolve my dispute, reverse the overage charge, and send me a gift card for the inconvenience. Employees such as Matthew are over worked, and under appreciated. It is unfortunate that I had to go through 4 different representatives that were unwilling to resolve the clerical issue that had transpired prior to speaking with Matthew. He is a invaluable assess to your company, and a model employee to lead others.

I had some issues with the loan coordinator’s reaponsiveness, attention to detail, and customer service. Most of the individuals I came in contact with were not very customer service orientated