LendingUSAReviews of lendingusa.com

The worse experience I have ever had with anyone. Lack of communication and very unprofessional. I trusted Lending USA with my very personal info and I was ignored and didn't get the business done. After I posted this review, I've received a phone call from LendingUSA with an apology. For a change, it was really nice to hear a friendly and apologattic voice. I excepted the apology, but no longer wanted to do business with them even though I was offered better outcome.

The interest is completely too high but it's my own fault for accepting

Bought a dog via pet store and they highly recommended Lending USA? They were unable to provide any specific load documents or interest rate on amount financed? Due to everybody has a different credit rating bla bla...I was advised there was"Possibly a $15.00 processing fee" to process my monthly payment of $31.00....(This is a ridiculous fee where I come from ....unless you are used to it as a B of A customer) I was told I would receive information within the week... All I received was a phone call for a customer service survey? No idea why? I had yet to receive any semblance of customer service. I did get the customer service phone number and called the customer service department. I was asked what my account or loan number was and my reply was; "Good Question!" I asked one simple question..."What is the interest rate APR on my loan?" The individual whose job was to provide "customer service" to actual customers first said; I had a 35% rate...then, oh I'm sorry you have a 3.5% interest on your account....oh no, my mistake your load is at .0035%" This was enough that I knew I was doing business with a company that is unethical, and hires really marginal people for the customer service call centers. My "Customer Satisfaction Survey" did result in a call from the "Customer Service Manager" who advised me my APR was 16% and the $15.00 processing fee was a legitimate fee but he and the companies benevolent policies would allow me to set-up direct payments...yayaya. Needless to say a company that provides lousy, if any, customer service and can keep a straight face when the tell you they will charge you 50% of your monthly payment to process that monthly payment, is NOT a company I will do business with. With a 770-780 FICO I can, and did, charge the balance on my credit card...which is at one half the rate they were going to rip me off for! No Way would I recommend this company! ADDITIONAL Follow-up: I did receive two phone calls from the customer service Manager who gets an A+ for attempting to elevate this problem. Apparently this company is at least concerned about it's "Customer Service Complaints" I still stand by my statement that any fee policy of $15.00 to process a payment should not exist in the first place! And ant "Customer Service Representative" that cannot quote a accurate interest rate (which is a simple and basic question on ANY loan) needs to get another job!

This company is very pushy and they want to know too much private information that all is information that no loan company should ever ask. They do not need your user name and personal passcode in order to put the loan in your bank account. I cancelled the loan because the loan rep was too pushy and demanding and required personal information that they did not need. Edit: I spoke with someone from customer service and he was very professional with addressing the issues I had with this company. I told him I would change my review but just not have had a chance to change it yet due to some personal emergencies .He was very polite and reassuring. I appreciated the effort he took to do so and even though I still declined the loan, I have removed any derogatory remarks about the company or any complete employee name. I do not like their methods of acquiring information for loans but the company appears to be legitimate and seems to have other satisfied customers. I may have done business with this company if I had an agent like the customer service rep first but that was not the case. Perhaps another customer will have a better experience than I did with LendingUSA and so that customer should make their own determination of the company. If he is a normal example of their employees, then I would recommend they give the company a try. To LendingUSA I was a legitimate customer and now both Trustpilot and you know now. I changed to my real name instead of my Facebook name that I signed in with.

Over and over and over and over again.

The funds should have put in my account since I'm the one who applied and is paying for the loan. I never agreed to this and should have been informed.