Is LendNation legit?
Yes, LendNation is a legitimate lender. Mostly known for its payday loans, the company has more than 300 locations in 13 states. It also has a website where it offers online payday loans plus installment loans, lines of credit and title loans.
If you apply for a loan online with LendNation, your data is protected from unauthorized access and use by industry-standard safeguards such as SSL encryption. But the company shares customer information with its affiliates for marketing purposes, so you’ll probably end up receiving unwanted calls, flyers or emails.
Where LendNation falls short
LendNation primarily falls short with its high cost — many customers complain about sky-high interest rates and how difficult it is to repay their loans. While specific APRs vary depending on which type of loan you take out and your location (because of state laws), they tend to be higher than what you’d find with other short-term loans through lenders like SoFi and LightStream.
If you’re an active-duty service member, a military spouse or a dependent, you’ll need to look elsewhere for a loan. Because its rates are so high, the laws protecting military members from predatory lending prevent you from applying. LendNation also shares customer information, so watch for unwanted marketing materials from third parties.
What makes LendNation shine?
LendNation’s best feature is that it doesn’t have any set minimum credit score, and borrowers of any credit type are welcome to apply. The company also offers a variety of loan products — including title loans, lines of credit, installment loans and payday loans — with wide-ranging loan amounts and repayment terms, making it easier to find a loan to match your needs.
Plus, LendNation has more than 300 physical locations across 13 states, so you can visit in person if you’d rather not apply online.
LendNation loan details
| Minimum credit score | All credit types accepted |
| APR | Varies depending on loan type and location but will likely be high |
| Loan amounts | Line of credit up to $10,000 Installment loan up to $4,000 Payday loan up to $500 Title loan up to $10,000 |
| Terms | Varies by loan type |
| Turnaround | As soon as the same day |
| Availability | Not available in: Kentucky, New Mexico |
| Fees | Not disclosed |
LendNation contact information
| Phone number | 866-324-9565 |
| Customer service hours | Weekdays: 8 a.m. – 7 p.m. CT Saturdays: 8 a.m. – 5 p.m. CT |
| Online contact form | LendNation Customer Service |
| @LendNationFinancial | |
| @LendNationFinancial |
Calculate your monthly loan payments
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| Principal | $ |
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| Interest | $ |
| Total Cost | $ |
How to qualify for LendNation
Qualifying for LendNation is easy. All you need to apply is:
- Valid photo ID issued in the US
- Active checking account
- Current phone number
- Recent bank statement
- Proof of income
- Not reside in Kentucky or New Mexico
- Not be active duty military or dependent
How to apply
If there’s a LendNation location nearby, you can apply in person and receive your cash the same day. However, the most convenient option is to apply online. Here’s how you do it:
- Go to the LendNation website and select Apply Now.
- Create an account by providing your social security number, email address, a password, and answers to security questions.
- Fill out the application and receive a decision within minutes.
- Receive your cash within one business day if you’re approved.
How LendNation compares to other lenders
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How we picked these
What is the Finder Score?
The Finder Score crunches 6+ types of personal loans across 50+ lenders. It takes into account the product’s interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate – this gives you a simple score out of 10.
Read the full Finder Score breakdown
LendNation reviews and complaints
| BBB accredited |
No |
|---|---|
| BBB rating |
A+ |
| BBB customer reviews |
1.36 out of 5 stars, based on 14 customer reviews |
| Trustpilot Score |
3.3 out of 5 stars, based on 7 customer reviews |
| Customer reviews verified as of |
28 March 2025 |
With an average rating of 1.36 stars on the Better Business Bureau (BBB) website, customers have few kind words for LendNation. Complaint topics vary, but the most common ones are being overcharged for repayment, poor customer service and predatory interest rates. The company has managed to earn an A+ rating from the BBB, likely because it routinely responds to official complaints made on the site.
Responses on Trustpilot are more varied, with a mix of compliments and complaints. Those with positive things to say about the company mention the fast and easy process and helpful customer service. The less flattering reviews are from people who had trouble with the company’s website, repaying a loan or customer service.
What do people on Reddit say?
While plenty of posts on Reddit warn people about payday loans in general, only two mention LendNation specifically. In one post, the OP asked about other Redditors’ experience with the company. Reactions were mixed, with one person reporting a positive experience, another complaining about high interest rates and a third saying they weren’t approved for a loan. The second post was primarily seeking advice on how to repay the loan, expressing fear and frustration because the company threatened them with wage garnishment.
Frequently asked questions
Is LendNation real?
Yes, LendNation is a real lender. While it’s primarily known for offering payday loans in its branches across 13 states, the company also offers installment loans, lines of credit, title loans and payday loans through its website.
Does LendNation work with bad credit?
Yes, LendNation accepts borrowers of all credit types, from good to bad.
How much can you borrow from LendNation?
It depends on the type of loan. For a payday loan, the maximum amount is $500, but lines of credit and title loans max out at $10,000.
Does LendNation cash third-party checks?
Yes, you can cash third-party checks at any LendNation branch for a small fee.
