LendingUSAReviews of lendingusa.com

So far so good. Buckle up, buttercup, here we go...

If I could give 0 stars, I would. I took a loan out in September, 2019. In June of 2020, I realized the company had been charging me twice EVERY MONTH. When I called them, I was hung up on 7 times in a row before finally having a meaningful conversation. Then, they told me that I set up two payment dates (which makes no sense because I don’t make much money and my significant other was out of work) and, since it was my fault, there was nothing they could do for me. I asked to have the extra monthly payment canceled, and the employee canceled BOTH payments. Fast forward 4 days and I’ve now incurred an extra two months of payments, plus 3 NSF fees, even though I’ve made every payment on time and even paid twice every single month. I’ve now called several times and had my account “escalated” 3 separate times with nothing to show for it. Prior to this, I never missed a payment on anything in my life. Now, I’m over $1,000 poorer, somehow I owe over two months worth of payments even though my last payment went through a week ago, and nobody at the company is willing to help me. Borrowing from LendingUSA was a huge mistake, and one that I’ll never make again.

Great communication easy to work with

I do not feel that they were totally honest about the fee's and charges up front when it came to signing my contract. Once the paper / e-mail came in after signing the contract I was able to see that I will be paying them about half as much of what the loan amount was for which makes for a hefty hit. If I would have been aware of this before hand I would have not signed the contract. As for recommending this company and it's services ///// NOT IN MY LIFE TIME.

If I could give it 0 stars and still have this review up I would. I have been paying them on time or a head and recently I reached out about two situations and Nothing was done to help my situation and both representatives were rude, had attitude and refused to put a supervisor so they hung up on me. So I called Lending USA explaining to them two different situations. The first one was how I felt that I was scammed by the seller and they said they can't help. The girl was rude, yelling and talking over me not to mention she hung up on me when I asked for a supervisor. The other situation was me explaining how I am unemployed now and would like to lower my payments. I have made a payment of $223 every month on time or ahead and because of Covid I am struggling. I did not ask them for anything besides a lower payment for the time being and the representative just like the first one began being rude, said she spoke to her supervisor and all they can do is have me file for a deferment. I said ok but if I did a deferment how long would it be. She said she couldn't say that it depends on another departments approval. I also said if I am agreeing to a deferment than I expect no interest because obviously during Covid I am having a hard time as it is and she said that's not possible that no matter what it's going to catch interest and that I can do a deferment up to 3 times but won't know how many months until after I file for it. I asked to speak to her supervisor and she than hung up on me as well. They even made it clear if I can't pay it it would go into collections and here I am trying to prevent that and they do no budge to help the customer. Than they reached out because I left a review on BBB about this and they tried to say my choices were pay, defer and still be charged interest or let it go to collections. I do not accept those choices that they supplied me with because none of those choices help me at all with what is going on. I mentioned my situation to the “Director of Customer Service” and still was told regardless I had to make payment in full or defer the payments and pay more in interest later on which shows this lender only cares about the money instead of helping it's customers. Not to mention I recently learned I am paying back more than double on the $6,800 loan because as they said it is a unsecured loan, which btw I have one just like this with another lender and have no issues and I am paying back way less on that loan and payment are even lower and it’s on a $5,200 loan. They also informed me this loan is for 60 months (5 years) which means I am paying back More than $14,000 with the fixed amount they gave me. Another thing when I got the loan I was told a different rate because it only gave an estimate it wasn’t until after you sign that they tell you the fixed amount smfh. I will try my best to pay but I would never accept anything again from this lender and they really need to cater more to their customers.

So far, so good

This is the most unprofessional, unorganized company I have ever dealt with. I lost my job because of COVID 19 and requested a deferment of 3 months making my first payment 06.22.2020 I requested the deferment in March 2020. They never sent my paperwork until Late April-early May. They said this was due to the overwhelming amount of calls for the same thing. No why did I receive a "late payment strike" on my credit. They said because i was late in payment. And i said "YEAH BECAUSE I DONT HAVE A JOB" they said "we understand ma'am just give us some time to catch up with the paperwork and then your account will reflect the deferment " i asked "will you remove the late payment strike" they said "no, because i am late with my payments" i said "I KNOW THAT IS WHY I ASKED FOR THE DEFERMENT PAPERWORK THAT YOUR OFFICE HAS YET TO PROCESS BECAUSE I LOST MY JOB DIE TO COVID19 BUT YOUR OFFICE STILL REPORTED TO MY CREDIT BREAU" MAKE IT MAKE SENSE. How come I have to "be patient with them and their unorganized system but then they wash their hands with my problem THEY CREATED. TERRIBLE TERRIBLE MONEY HUNGRY UNPROFESSIONAL PEOPLE

I am new to the system, and so far everything is fine. They were helpful, but during this shutdown time there were technical difficulties that slightly delayed my loan process. I haven't done my first payment yet, so I am not certain about everything.