LendSurf connection service review

Good if you want information on state regulations — but not transparent about other details.

Bottom line: LendSurf isn’t the most upfront connection service we’ve seen. Its lenders may offer loans up to $10,000, but if you want a service that helps you find the right loan and is easy to contact, it’s worth looking elsewhere.


Min. Amount


Max. Amount

As soon as one business day

Turnaround time


Product NameLendSurf connection service
Min. Amount$100
Max. Amount$10,000
Loan TermNot stated
Turnaround TimeAs soon as one business day
RequirementsNot stated

Review by

Kellye Guinan is a seasoned financial writer with over 500 articles under her belt spanning all things loans from auto to personal to business and everything in between. With four years in the field and five years of research experience, she's able to make complex personal finance decisions easier for anyone to tackle. When she's not up to her knees learning about the latest trends in lending, she spends her time improving her own financial literacy and expertise — and maintaining a Duolingo streak of over 1,300 days.

Expert review

LendSurf is a basic connection service that works with a variety of lenders to help you find a short-term loan up to $10,000. But its lack of contact information, customer reviews and business details mean you may be better off comparing other connection services and direct lenders. Especially because you may be connected to a different connection service when you fill out LendSurf’s online form.


  • Provides basic information about state laws
  • Lenders offer up to $10,000
  • LendSurf doesn't do a hard credit check


  • May be connected to another connection service
  • May be sent to a tribal lender
  • No phone number
  • No customer reviews

LendSurf rates, fees and terms

LendSurf is a connection service, so you won't need to pay anything to be connected with a lender. However, this doesn't mean you won't face any costs. The lender you're connected with will have its own interest rates, fees and loan terms included in your loan contract — so be sure to review it carefully before you sign.

What is LendSurf and is it legit?

LendSurf seems to be a legit connection service, but it isn't as up front about its contact information or lenders in its network as other connection services out there. While it does provide a basic contact email and has a secure website, there are more transparent ways to borrow a payday loan or installment loan — including borrowing directly from a lender.

LendSurf reviews and complaints

Like most connection services, there aren't many customer reviews for LendSurf. Its BBB page only contains one complaint — but it's a big red flag: The reviewer notes that there is no obvious way to contact LendSurf. We were only able to find its customer service email hidden in the privacy policy, and there is no phone number. Because of this, you may have trouble reaching out to LendSurf if there are any problems with your service.

Am I eligible?

LendSurf doesn't list any specific requirements, but you will need to be at least 18 years old and have a steady source of income to apply. In addition, you will need to have an active checking account to qualify.

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What information do I need to apply?

LendSurf requires you to submit several pieces of personal information to be connected with a lender in its network.

  • Date of birth
  • Social Security number
  • Driver's license number
  • Monthly net income
  • Bank routing number
  • Bank account number

How do I fill out the online form?

Visit LendSurf's website and click Get started. The online form is straightforward and should take less than 15 minutes to complete if you have all the information you need available.

What are my repayment options?

Your repayment options will depend on the lender you're connected with. Check its terms and reach out to customer service to learn more about how you can repay your loan. Weekly, biweekly or monthly payments may be required.

Before committing to a lender, learn more about payday loans to find the right option for your finances.

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