LendingUSAReviews of lendingusa.com

The underwriter was rude and unprofessional. She would ask questions about your personal information but not listen to the answers you were giving her. She would interrupt and over talk every time you answer her question. Someone called and asked me all the same question a week prior only to then be asked the same questions again. Then when I said that this did not seem right and that it made me feel uneasy they denied me a loan.

Waste of time. Was pre approved. Been dealing with them for 2 weeks and still no loan! Numerous phones calls and numerous request for personal info. After giving them access to things like my checking account I was told you have to have a 500 dollar average balance to qualify. This should be told up front before they request all your personal info. Then they were trying to tell me I don't qualify because I had a negative 3,100 on my checking account at one time. BULL!!! What bank is going to let you do a 3100 negative transaction? It was just an excuse. Beware they are just out to get your personal info. After applying with them I have been getting notices from creditwise that my information has been spotted on the web. Don't waste your time. If LendingUSA proves they are legit I will take down this review.

I will NEVER deal with this company again. They charge an 8% original fee and that's added to the loan. Also, my interest rate was 23.99% with a credit score of 744. A total scam. STAY AWAY FROM LENDING USA. Go anywhere else but not here.

I applied in October and was "approved" for $10,000. After my loan went to underwriting, I was then told I was denied due to having applied for other loans within the last 90 days. I was told I could only have a maximum of 3 loans with Lending USA as one of them. The loan consultant told me I could re-apply within 30 days, as then the other loans would fall outside the 90 days. I called back the next month and the same loan consultant came on the line and said you have two active loans outstanding, you can only have one loan other than Lending USA. That is obviously different from what he told me previously, and he was incredibly dismissive and short with me. The entire reason I wanted this loan was for debt consolidation, basically to pay off other outstanding loans, so I have an issue with both the reason for the denial, and the misinformation. Why even bother telling me to call back to reapply within 30 days if that is the response I get? I pay all my debts all the time and feel like I was treated very poorly.

Just like all the other negative reviews. Phone calls go unanswered, long waits with NO contact. This process advertised is not what you get. Now weeks later, the dreaded "D" letter. "denied for incomplete credit information." Even though I supplied everything down to username and password , and a stern warning from my bank about giving that info to their bogus verify company. This process in meant to resist pleasing the customer. Should have listened to all the negative reviews. I learned that a scam is a scam and little can be done when we are led to the edge of the cliff...so now its off to the Attorney General of both states and a major complaint will be filed.WARNING...this bank is NOT Fair about anything, despite their fair credit reporting act violations. Duh! I dread giving my information to this company and sure to regret the credit dings this will place on my credit report. And all my information standing by for a hack of this bank/loan company, etc. UUUggghhhh wheres all the customer service now? JW

LendingUSA is either a SCAM COMPANY WHO IS GOING TO STEAL YOUR INFORMATION, A COMPLETELY UNPROFESSIONAL AND RUDE COMPANY, OR BOTH. This experience has pretty much set me off of getting any type of loan all together, outside of the major banks that is. I AM ASTOUNDED AT WHAT I HAVE BEEN THROUGH WITH THIS GROUP OF PEOPLE THAT CALL THEMSELVES A BUSINESS. The process was extremely stressful and exhausting because of how they act throughout and I was naïve to keep going with it. At every single step, they tell you that it’s the last but that’s not even close to true. To start off everything was going well; I got pre-approved instantly online with a soft credit inquiry. Then came photos of myself and my ID which they asked me for several after the initial. Then there was account verification which would have been simple but their system fails sometimes and didn’t show anything correctly. They asked me for more accounts and a blank check (which I voided, thank goodness). Then they made me wait only to send a generic email from the LendingUSA general email account saying I was denied when the underwriter told me explicitly I would get a call from the loan agent I had been dealing with. I called the loan officer, Manuel Silva and I asked if my information would be safe and how did I know that they didn’t just make me do the whole process to steal my info. Why would they not tell me I’m not eligible since the beginning when they saw my income on the initial application? Manuel started laughing and wouldn’t answer my questions. They were so interrogative and rude during every phone call. He could barely think of a reason I was denied. My income was exactly as I said since the beginning and still they said that it was the reason they couldn’t approve the loan. THE WAY I WAS TREATED AS A WOMAN WAS UNACCEPTABLE AND HORRIBLE. They made me lose my time and spend my energy as well as waste a hard credit inquiry. I just can’t believe that I spent so much time doing this while I could’ve been dealing with a reputable bank. I DON’T SEE ANY ADVANTAGE OF APPLYING FOR A LOAN WITH AN UNREALIABLE AND UNTRUSTWORHTY COMPANY. Never do business with them! The only thing using this company would accomplish is give you stress. If I was treated this way since the beginning, I’m glad I didn’t have a loan with them because imagine how they treat those who owe them money!

I called today to see if I would be able to pay my bill over the phone,it went straight to the survey. I was not able to talk to anyone. I rated your customer service all ones, because I didn't get any service.

Was not told about the 8% fee they add on top of the loan, and when I confronted them about it the lady just apologized, but sorry doesn't excuse the fact that I was blindsided.