LendingUSA offers financing for consumers to give them extra time to pay for certain services related to health care, funerals, pet care and other purchases. Loan options are offered by the merchant at the time of the sale.

You apply for LendingUSA loans online, typically at the service provider’s location. The first step is to see if you are preapproved for the loan and check your rate. In a couple of minutes, you’ll get a decision. If you go forward and complete the full application, then there will be a hard credit pull.

From there, the loan goes through the underwriting process, which typically takes between three and five business days. Once the loan is approved, you’ll have 30 days to make your first payment.

LendingUSA offers loans for medical services (audiology, chiropractic, cosmetic surgery, dental, dermatology, general health care, vision, medical devices and weight loss); funeral services; pet services (veterinary and pet retail); and consumer services.

  • Medical services loans range from $1,000 to $47,500, but some industries have lower caps.
  • Funeral services loans range from $1,000 to $25,000.
  • Pet services loans range from $1,000 to $12,000.
  • Consumer services loans range from $1,000 to $47,500.

LendingUSA loans range from $1,000 to $47,500, with some industries maxing out at lower amounts. Loan terms and rates also vary by loan purpose and the borrower’s creditworthiness. LendingUSA does not disclose specific rate and term information.

There is an origination fee of up to 8% of the principal loan amount, and that may result in an annual percentage rate of up to 29.99%.

How Can You Qualify for a

To be eligible for LendingUSA financing, you’ll need to be at least 18 years old with a Social Security number and reside in a state where LendingUSA does business. On the underwriting side, you’ll go through a credit check to determine your credit history, income and ability to repay the loan.

LendingUSA does not disclose specific loan qualifications or minimum requirements, but some applicants may be declined due to a low credit score, insufficient income or other financial factors.

LendingUSA does not disclose the minimum credit score or other credit requirements for approval.

LendingUSA operates in all states but the following: Colorado, Connecticut, Iowa, Maryland, North Dakota, New Hampshire, Nevada, New York, Vermont and West Virginia. It also doesn’t lend in any U.S. territory.


LendingUSA has an A+ rating with the Better Business Bureau. LendingUSA has an excellent 4.7 out of 5 stars rating on Trustpilot, based on nearly 670 reviews. In 2022, the Consumer Financial Protection Bureau received eight complaints related to LendingUSA’s personal loans, most of them about problems getting a loan or making payments. LendingUSA responded to six complaints in a timely manner and closed each with an explanation.

How Is LendingUSA’s Customer Service?

You can reach LendingUSA customer service at 800-994-6177 or via email at borrower@lendingusa.com. Business hours are 10 a.m. to 9 p.m. Eastern Time Monday through Friday There is also a chat feature offered on the website.

What Are Some of LendingUSA’s Online Features?

The entire loan preapproval and application process is done online. Once the account is open, customers can log in to manage their payments, set up autopay and review their payment history.


  • People who need extra time to pay for a particular service.
  • People who want fixed monthly payments.
  • People who can pay off a purchase in six months or less to avoid interest.

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