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Lend-Grow Personal Loan Marketplace

Get connected with a personal loan lender with options for bad credit.

Bottom line: Lend-Grow boasts a network of many personal loan lenders. But its rates start at a high 19.99%. Read the full review.

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Max. Loan Amount

19.99% to 35.99%



Minimum credit score


Min. Loan Amount$2,000
Max. Loan Amount$25,000
APR19.99% to 35.99%
Interest Rate TypeFixed
Minimum credit score540
Loan term2 to 5 years

Review by

Kellye Guinan was a financer writer for Finder, covering everything from loans from auto to personal to business finance.

Expert review

Lend-Grow is a connection service that helps you find a national or local lender. Its online form is available with both personal loan and student loan refinancing options. And you could qualify for a personal loan with a credit score as low as 540.

However, this means that you may face higher interest rates and less ideal terms on your personal loan. But if you’re in a rush to find a lender, Lend-Grow may be able to help. Compare more connection services and direct lenders to find a lender you can use.


  • Bad credit score of 540 or higher OK
  • Works with local lenders
  • Compare offers from multiple lenders


  • High interest rates starting at 19.99%
  • Limited information available online
  • Only operates in seven states

Lend-Grow rates, fees and terms

Lend-Grow is a connection service, not a direct lender. This means you won't have to pay any fees to find a lender in its network.

But once you're connected with a lender, expect to pay more. Because its network accepts borrowers with bad credit, interest rates range from a high 19.99% to 35.99%. You'll also only be able to borrow up to $25,000, but its lenders offer the normal range of loan terms from 2 to 5 years.

Read your loan contract carefully when you complete a full application. You may be responsible for other fees, including origination fees, prepayment penalities and late fees.

How Lend-Grow compares to other lenders

Compare active lenders and connection services by selecting your credit score and state.

1 – 6 of 6
Name Product Filter Values APR Minimum credit score Loan amount
Best Egg personal loans
8.99% to 35.99%
$2,000 to $50,000
A prime online lending platform with multiple repayment methods.
Upstart personal loans
6.5% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
4.98% to 35.99%
Poor to excellent credit
$1,500 to $100,000
Achieve personal loans
7.99% to 29.99%
$1,000 to $50,000
Consolidate debt and more with these low-interest loans. Cosigners welcome.
Upgrade personal loans
7.96% to 35.97%
$1,000 to $50,000
Affordable loans with two simple repayment terms and no prepayment penalties.
LightStream personal loans
5.99% to 23.99%
Good to excellent credit
$5,000 to $100,000
Borrow up to $100,000 with low rates and no fees.

Compare up to 4 providers

Lend-Grow reviews and complaints

Lend-Grow is a relatively new service, which means it doesn't have a Better Business Bureau or Trustpilot page. However, you should look at the reviews of any lender you're connected with to make sure it fits your needs.

How to qualify

Lend-Grow doesn't provide specific eligibility criteria. But most lenders have a few basic requirements, including:

  • Regular source of income
  • Open bank account
  • US citizen or permanent resident
  • At least 18 years old
  • Resident of eligible state

States where Lend-Grow operates

Lend-Grow currently serves customers in the following states:

  • Alabama
  • Georgia
  • Mississippi
  • Missouri
  • South Carolina
  • Texas
  • Virginia

How the online form works

You can prequalify by going to Lend-Grow's website and selecting Check my rate. From there, enter the type of loan you want and your:

  • Name
  • Phone number
  • Email
  • Annual income
  • Rent or mortgage payment
  • Citizenship
  • Birthdate

What sets it apart

Lend-Grow is one of the few connection services that accepts borrowers with bad credit. And while this means higher interest rates, it also means you may have access to personal loans you might not otherwise qualify for. Since it works with local and national lenders, you have the potential to find the right fit for you within a few minutes.

But beyond that, there isn't much exceptional about Lend-Grow. Its website offers only basic information — largely because its personal loan connection service is still limited.

That being said, Lend-Grow does offer a unique feature when you refinance your student loans with one of the lenders in its network. You'll receive a 0.1% reward based on your loan amount. It lasts up to three years as long as you make regular payments to your new lender.

Is Lend-Grow legit?

Yes, Lend-Grow is a legitimate connection service. Although it's relatively new, it has a clear privacy policy that states how your personal information is collected and used. Its website uses 128-bit encryption to keep your information safe when you provide it through Lend-Grow's online form.

And unlike many other connection services, it has a phone number and email you can use to get in touch with a representative if you have questions about the process.

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