LendYou US review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Payday and personal loans through a US marketplace, aimed at borrowers paid monthly by direct deposit. Fees of 0 USD and rates of 200% to 1,386% make it a short bridge rather than longer term credit, and funds arrive Funds as early as the next business day.

Key facts

Best for
US borrowers paid monthly by direct deposit who need a small short term loan.
APR
200% to 1,386% (Source, checked September 26, 2026)
Loan amount
$100 to $1,000 (Source, checked September 26, 2026)
Term
30 months (Source, checked September 26, 2026)
Arrangement fee
0 USD (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Funds as early as the next business day (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Eligibility
US residents 18+ with a checking or savings account with direct deposit, at least $1,000 regular monthly income and a fair credit rating for personal loans; active-duty service members and their dependents excluded (Source, checked September 26, 2026)
Loan types
Payday, Personal, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
lendyou.com

Pros and cons

Pros

  • The origination fee is 0 USD on payday and personal loans, so no setup charge joins the repayment
  • Contact runs on email, phone and help centre, so help comes by email, by phone or through a help centre
  • Loan amounts of $100 to $1,000 cover a shortfall rather than a large purchase or a refinance
  • Personal and payday lending sit side by side, so a single application can serve either purpose

Cons

  • Rates of 200% to 1,386% run far above the 12% median across the site
  • The credit check is hard, so a full file is pulled and the search stays on your record
  • You need a fair credit rating, and active duty service members and their dependents are excluded
LendYou US

Ready to try LendYou US?

Scored 8.3 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers paid monthly into a checking or savings account by direct deposit, holding a fair credit rating
  • Anyone covering a bill that lands before the next payday, since funds arrive Funds as early as the next business day over a 30 term
  • Readers who want a marketplace rather than one lender setting the final rate

Who should look elsewhere

  • Anyone wanting cheap long term credit: Monzo Flex charges 10% to 23%, a fraction of the 200% to 1,386% band here
  • Borrowers happy to check a free rate first: Cashspace ES is listed at 0% and Cashspace charges PHP 12 to PHP 36

The company behind it

LendYou US is based in the United States, so the products and the eligibility rules are aimed at the US market. Support runs on email, phone and help centre: a question about a rate, a repayment or a pending application goes by email, by phone or through the help centre. Both matter day to day.

How LendYou US compares

Where LendYou US is available

Available
United States

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to take out a loan?+

The origination fee is 0 USD, so no setup charge is added to what you borrow. Interest runs at rates of 200% to 1,386%, and the band is wide, so your own quote decides what you pay. Borrowing less keeps the cost down.

How much can I borrow, and over what term?+

Loan amounts run $100 to $1,000, which suits a shortfall rather than a big purchase. The term is 30 on the loans listed, so the borrowing window is short and interest builds fast. Repaying inside that window keeps the total down.

How quickly would the money arrive?+

Funds arrive Funds as early as the next business day. That speed suits a bill that lands before payday, which is why the term is kept short at 30. Even a short loan near the top of the 200% to 1,386% band costs a lot in interest.

What credit check and credit rating are involved?+

The check is hard, so a full credit file is pulled rather than a quick search. The rating to aim for is fair, which is the stated bar, so a weaker file is likely to be turned down. The search also stays on your record.

Who can apply for a loan?+

You need to be a US resident and an adult, with a checking or savings account that receives direct deposit and regular monthly income. For personal loans the rating needed is fair. Active duty service members and their dependents are excluded, and the check is hard.

Is LendYou US a lender or a marketplace?+

It is a marketplace, so partners compete for your application and the final terms come from a lender rather than one fixed provider. The product list covers payday, personal and debt consolidation, which lets a payday gap, an unplanned cost or several debts sit on a single repayment.

Sources

  • lendyou.com checked September 26, 2026

    Backs: Lender type

    “We are a loan connecting service where we connect consumers with independent third party lenders”

  • lendyou.com/contact-us.html checked September 26, 2026

    Backs: Headquarters, Support channels

    “1125 E Broadway, #545 Glendale, CA 91205”

  • lendyou.com/faq.html checked September 26, 2026

    Backs: Loan amount, Credit needed, Eligibility, Funding time, Loan types, Term

    “Payday loans are usually between $100 and $1,000”

  • lendyou.com/rates-and-fees.html checked September 26, 2026

    Backs: APR, Arrangement fee

    “APRs for cash advance loans range from 200% to 1386%”

  • lendyou.com/terms-and-conditions checked September 26, 2026

    Backs: Credit check

    “This credit check may be a formal credit inquiry which leaves a record on your credit report and may affect your credit score (a Hard Check)”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

LendYou US

LendYou US

US borrowers paid monthly by direct deposit who need a small short term loan.

8.3/10See alternatives

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