LendNation Reviews and Ratings

LendNation logo

Are you struggling to cover an emergency expense and facing limited credit options? LendNation offers fast, short-term loans to borrowers who may not qualify elsewhere. With more than 350 locations and an online platform, it’s built for speed and accessibility.

But that convenience comes at a steep cost, often with triple-digit interest rates and inflexible repayment terms.

In this review, we’ll break down how LendNation works, what it costs, who it might help, and why some borrowers should think twice.

Stellar Reputation

4.8

Lendtly.com

• Direct Lending Excellence: Matches you with the best loans.
• Loans ranging from $2,500 to $100,000
• Flexible terms: 3 to 120 months, 24 hours post-approval
• Same day approval

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What is LendNation?

LendNation’s homepage

Founded in 1984, LendNation is a direct lender offering short-term loans to consumers with poor or limited credit histories. It’s a subsidiary of QC Holdings, Inc., based in Lenexa, Kansas, and operates over 350 locations across 13 U.S. states, along with an online lending platform.

The company provides payday loans, installment loans, title loans, and lines of credit. Unlike loan marketplaces, LendNation issues loans directly, so you’re borrowing from them, not a third party. If you’re comparing your options, it’s worth exploring personal loans from alternative lenders that may offer lower interest rates and longer repayment terms.

LendNation loan types and services

Photo courtesy of LendNation

LendNation’s services vary by state due to local lending laws. Here are the core products available:

• Payday loans
  • Short-term loans due on your next payday
  • Loan amounts up to $500
  • Typical term: 2–4 weeks
  • APRs can exceed 400 percent
• Installment loans
  • Loans from $100 to $4,000
  • Repayment over several months
  • APRs often range from 100 to 200 percent
• Title loans
  • Secured loans up to $10,000
  • Uses your vehicle as collateral
  • Risk of repossession if you default
• Lines of credit (in select states)
  • Revolving access to funds up to a set limit
  • Interest only on amount used

Other in-store services may include:

• Check cashing
• Money orders and wire transfers
• Cash advances

Eligibility requirements To qualify for a loan, you typically need:

• A valid government-issued photo ID
• Proof of income (e.g., pay stub)
• Active checking account
• Recent bank statement
• U.S. phone number
• Not be an active-duty military member (per Military Lending Act)
• Not reside in Kentucky or New Mexico

Flexible Lending Solutions

5

Lendexpress.net

• Your Best Lending Partner: We match you with top lenders for the best deals.

• Fast, Easy Process: Quick approvals with expert support.

• Tailored Solutions: Flexible terms that fit your needs.

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LendNation pricing and fees

LendNation is fast, but not cheap. Its APRs far exceed those of traditional lenders or credit unions.

Examples:

• A $500 payday loan at 400 percent APR, repaid in 2 weeks, would cost you $575—a $75 finance charge.
• A $1,000 installment loan at 150 percent APR, paid over 6 months, could cost $1,400+ total.

These loans often include origination and late fees, though exact costs vary by state and product. LendNation does not clearly disclose all fees upfront on its website; borrowers must review the Truth in Lending Act (TILA) disclosures during the application process.

Important note: LendNation shares your information with affiliates, which can result in unwanted calls, emails, or flyers from marketing partners.

Best Overall Service

4.5

800Financial

• Direct Lending Excellence: Matches you with the best loans with optimal loan terms.
• Comprehensive Loan Network: Loans ranging from $2,500 to $50,000
• Flexibility & Speed: Flexible terms from 3 to 120 months, 24 hours post-approval.

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LendNation customer reviews and complaints

LendNation receives mixed to negative feedback across most consumer review platforms. While some customers appreciate fast approvals and helpful local staff, a significant portion raise concerns about high interest rates, poor customer service, and unclear loan terms.

Better Business Bureau (BBB) reviews

LendNation has an A+ rating from the Better Business Bureau but is not an accredited business.

• BBB Rating: A+
• Accreditation: Not accredited
• User rating: 1 out of 5 stars (15 reviews)
• Common issues: Deceptive approval process, repeated credit checks, unresolved disputes

Sample complaints:

• A customer claimed their credit was dinged six times in one day due to repeated application errors by staff.
• Several users report aggressive collection tactics, even for minor delinquencies.
• One reviewer stated that they paid back a loan on time, only to find interest never decreased and payments barely touched the principal.

“You borrow money, but when making back payments, interest never goes down… You still owe the same.” — Audrey M., Jan. 2025

Trustpilot reviews

As of July 2025, LendNation holds a 2.9 TrustScore on Trustpilot based on 11 customer reviews.

• TrustScore: 2.9 out of 5 (11 reviews)
• Rating distribution:
  • 5 stars: 36%
  • 1 star: 64%

Common themes:

• Some users describe a professional and quick loan process in-store.
• Others accuse LendNation of poor communication, unexpected fees, and interest-heavy repayment plans.

“The interest is the lowest I’ve experienced compared to other companies.” — RMM, June 2025

“I ended up paying over $400 for a $330 loan. The manager was rude and unhelpful.” — Amy G., May 2025

Yelp reviews

LendNation averages 2.2 stars on Yelp, with mixed customer feedback across multiple store locations.

• Overall rating: 2.2 out of 5 (6 reviews)
• Yelp sentiment: Mixed across 58 locations nationwide

Positive comments:

• Some local offices are praised for friendly, helpful staff, especially in-store.

Negative patterns:

• Inconsistent service across locations (e.g., different documentation policies)
• Complaints about auto-debits, unsympathetic customer service, and refinancing delays
• Multiple users say LendNation is disorganized online but better in person

“Please don’t take a loan out with this company online… I’ve been trying to refinance for over a week.” — Rosalind A., 2024

“The staff at my location were great, but interest was out of this world.” — Maureen M., Missouri

Reddit reviews

Has Anyone Borrowed from LendNation? What Was Your Experience? byu/Shot_Scientist_8166 infinanceonloans

Posts in subreddits like r/financeonloans highlight similar issues:

• One borrower reported paying nearly triple what they borrowed.
• Others said LendNation’s interest rates are unsustainable for long-term loans.
• Some users shared that they were denied loans despite meeting the stated eligibility requirements.

“It was quick and painless for a $200 loan… but would add up fast for bigger loans.” — u/dankmemealex420

“I wound up paying triple the amount I borrowed. The interest rate is horrible.” — u/Swimming_Wear_1816

Summary: What borrowers are saying about LendNation

• Extremely high interest rates
• Lack of transparency in loan terms
• Poor online loan process and support
• Aggressive collections, including job-site calls
• Unresolved technical errors that impact your credit score

Occasional Praise:

• Fast in-store service and helpful staff at select locations
• Good for small emergency loans, if repaid quickly

Overall, borrower feedback suggests that while LendNation can deliver fast cash, it often comes with steep costs, confusing repayment structures, and customer service issues, particularly online.

Easy requirements

4.5

• Loan amounts up to $100,000
• Custom Terms: Repayment periods from 12 to 60 months with fast 48-hour approvals.
• Trusted Expertise: Recognized for ethical lending and innovative financial solutions.

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LendNation success rate and borrower outcomes

LendNation does not publish approval rates or repayment statistics. Based on customer feedback and standard practices in the subprime lending market:

• Most approvals happen same-day
• Loan outcomes depend entirely on borrower repayment ability
• Debt rollover risk is high—especially with payday and title loans

Note: LendNation does not guarantee approval, and outcomes vary by state, credit profile, and loan type.

LendNation pros and cons

LendNation offers fast cash and flexible options for borrowers with limited credit, but those conveniences come with serious trade-offs. Here’s a breakdown of where the company excels, and where it falls short.

Pros

• Approves applicants with poor or no credit
• Same-day funding available in most cases
• Offers multiple loan types
• 350+ stores across 13 states
• Direct lender — not a broker

Cons

• Triple-digit APRs (very expensive)
• Not available in all states
• Excludes active-duty military
• Shares info with marketing affiliates
• Not BBB-accredited
• Risk of debt trap if loans are rolled over

No upfront fees

4.7

DebtCarePlus

• Competitive APR: 3.49% to 35.99% for loans $1,000 to $100,000.
• Program: 24-36 months, 100% service guaranteed.
• BBB A Rating: Trusted online marketplace.

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Who is LendNation best for, and who should avoid it?

Not every borrower is a good fit for LendNation. While it can offer fast relief in urgent situations, its high costs and short repayment terms make it risky for some. Here’s who may benefit from a LendNation loan, and who should consider other options.

Best for:

• People with emergency expenses and limited credit options
• Borrowers who prefer in-person service
• Those confident in repaying the loan quickly

Not recommended for:

• Anyone already struggling with debt
• Borrowers looking for a long-term financial solution
• Active military members (not eligible)
• Consumers who qualify for lower-interest options like credit unions

Editor's choice

4.6

• Eligibility: Minimum $7,500 debt, no minimum credit score required.
• Program: 24-48 months, no upfront fees.
• Experience: Decades of trusted services.

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Final verdict: Is LendNation worth it?

LendNation delivers speed, not savings. It’s a lifeline for borrowers with few options, but the cost is steep. For those with poor credit and urgent cash needs, LendNation can bridge the gap, but it should only be used with a concrete repayment plan in place.

If you’re searching for longer-term financial relief, lower-interest personal loans, or debt consolidation options, compare rates with more affordable lenders.

Frequently asked questions

1. How much can you borrow from LendNation?

LendNation offers a variety of loan products depending on the state, including payday loans, installment loans, and title loans. Loan amounts vary by location, but customers may borrow up to $500 for a payday loan, up to $4,000 for an installment loan, and as much as $10,000 for a title loan. Whether you apply through their website or make an in-store visit at one of their retail stores or affiliate stores, the borrowing limits and credit solutions typically remain unchanged across various states. The company emphasizes fast service and works hard to meet customer expectations with flexible cash options and a streamlined application process.

2. Does LendNation do a hard pull?

LendNation does not typically perform a hard credit check for its online lending services or short-term loan options. In most cases, approval decisions are based on your income and checking account status—not your credit score. This approach makes the company’s services accessible to borrowers with limited credit history. However, depending on the loan product and the amount of money requested, there may be circumstances where a soft pull or more detailed verification is needed. If you apply at a Kansas City or Missouri branch, a knowledgeable team or assistant manager can walk you through the credit inquiry policy.

3. What time does LendNation open?

Most LendNation retail stores open between 8 a.m. and 9 a.m. local time, Monday through Saturday. Hours may vary slightly by location, so it’s always a good idea to check with your nearest branch or visit the company’s website. Whether you’re seeking check cashing, a payday loan, or general financial support, LendNation strives to offer timely access to services across its many brands. Their staff, including assistant managers, are trained to deliver excellent customer service to people who need quick access to cash.

4. How much does LendNation charge to cash a check?

They offer check cashing services at many of its retail locations, though the exact fee will vary by state and check type. While the company does not post standard fees on its website, you can always call or visit a store to get accurate pricing. Whether you’re cashing a paycheck or government-issued check, LendNation’s in-store process is designed to be simple and fast. Many locations across the country, especially in Kansas, are equipped with knowledgeable teams who can explain fees and help you with other credit solutions or loan products.

5. Who is LendNation affiliated with?

LendNation is part of QC Holdings, Inc., a finance and loan company headquartered in Kansas City. It operates under several different names in various states, and is currently transitioning to a more unified national brand. While the services, cash offerings, and loan products may vary by location, customers can generally expect the same products and support whether they apply online or at a store. The company also partners with affiliate stores to expand its reach and ensure consistent customer service across its growing list of brands.