Symple Lending Review: Debt Relief Instead of Personal Loans (2026)
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- Max. Loan Amount
- $100,000
- APR
- 6.99% to 35.99%
- Min. credit score
- No minimum stated
Our verdict
This connection service may specialize more in debt settlement options instead of personal loans.
Symple Lending isn’t very up front about what it does or what services it offers to consumers. Based on its website, it appears to offer three types of loans: personal, debt consolidation and home improvement, with rates starting at 6.99%. But customer reviews paint a different picture. People say they went to Symple for a loan and were instead steered toward debt settlement, sometimes aggressively. There is no mention on its website about offering debt settlement services.
Best for: We can’t recommend using this provider due to its lack of transparency.
Pros
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Loans up to $100,000
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Rates as low as 6.99%
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Loan terms up to 15 years
Cons
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Not transparent about what it does
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Doesn’t disclose fees
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Customers complain of deceptive marketing
Is Symple Lending legit?
Based on its reviews and Better Business Bureau (BBB) accreditation, Symple Lending is a “real” fintech company. However, it also appears to use some less-than-above-board tactics to get customers to join a debt relief program. It’s also unclear when explaining the difference between debt settlement and a debt consolidation loan, based on the confusion expressed by some reviewers.
It should also be noted that Symple Lending and its CEO are named in multiple lawsuits. Allegations include illegal telemarketing, misleading advertising and deceptive practices. The lawsuits suggest Symple may be violating consumer protection laws, including the Truth in Lending Act (TILA) and the Fair Debt Collection Practices Act (FDCPA).
If you’re looking for a personal loan, compare better options than Symple Lending.
Where Symple lending falls short
- Lack of transparency. It’s hard to trust a company that doesn’t clearly explain its products, services or fees up front.
- Unclear business model. The company doesn’t openly state whether it works with debt settlement partners in addition to lenders.
- Bait-and-switch concerns. Some customers report being offered debt settlement after expecting a loan.
- Shady reputation. While it may not be an outright scam, some practices feel questionable and potentially predatory.
What makes Symple Lending shine?
- Competitive starting rate. Advertised rates starting at 6.99% are lower than those of many competitors.
- Large loan amounts. Offers loans up to $100,000, which is higher than many similar services.
- Big-name lender comparisons. Claimed terms are similar to those of direct lenders like LightStream or SoFi. However, these lenders — and other legit providers — are upfront about what they offer.
- Potential access to options. Could help borrowers explore personal loan options in one place if the claims are accurate.
Symple Lending loan details
| Minimum credit score/credit range | No minimum stated |
| APR | 6.99% to 35.99% |
| Loan amounts | $5,000 to $100,000 |
| Terms | 61 days to 180 months |
| Approval turnaround | 1 to 2 business days |
| Availability | Available in all states |
| Fees | Undisclosed |
Symple Lending contact info
| Phone number | 949-522-7829 |
| Customer service hours | Not listed |
| cs@symplelending.com | |
| X, formerly Twitter | @symplelend |
| Symple Lending |
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How to qualify for Symple Lending
Symple lists only the most basic requirements to qualify for a loan, and the exact criteria will vary by lender.
- Be at least 18 years old
- Have a valid government-issued ID
- Meet minimum credit score requirements (depends on the lender)
- Have a regular source of income
How to apply
This is how Symple Lending describes its loan process:
- Apply in two minutes.
- Choose your offer.
- Sign your loan agreement.
- Receive funds as soon as the next day.
How Symple Lending compares to other lenders
Narrow down Symple Lending’s rates, terms and features compared to other popular personal loan providers.
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How we picked theseWhat 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.
Symple Lending reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 3.96 out of 5 stars, based on 279 customer reviews |
| Trustpilot Score | 4.9 out of 5 stars, based on 5,377 customer reviews. |
| Customer reviews verified as of | 08 December 2025 |
It’s surprising that this lender has such high ratings on the BBB and Trustpilot, when you consider the number of very detailed negative reviews. While there are some criticisms about poor customer service, rude employees and general issues, the majority of complaints state that this company employs a bait-and-switch tactic to get you into a debt management program.
Specifically, many reviewers claimed they received a mailing from Symple Lending that said they were preapproved for a loan at a very low APR. But when people went to apply for the loan — and gave out their personal information, including their Social Security number — they were almost invariably, and fairly aggressively, steered toward a debt settlement program instead.
Most of the positive reviews sounded like they were from consumers who had only recently signed up with the program. People tended to praise how things were clearly explained and said the reps were compassionate and kind. But we couldn’t find any reviews on the BBB or Trustpilot that mentioned getting a loan.
What do people on Reddit say?
However, a couple of Redditors say they have gotten a loan through Symple. One person said the loan was funded quickly and they were able to use it to pay off their credit card debts, but also warned they were charged an origination fee. Another said they took the loan from Symple Lending because the rate was lower than their credit cards.
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