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LendSurf connection service review

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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

Expert review

Kellye Guinan

Review by

Kellye Guinan is a writer and editor with Finder and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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.

Compare more short-term loan providers

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Find A Loan
Not stated
At least 18 years old, $800+ month income, employed, checking account, US citizen
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Check Into Cash Payday Loan
$50 to $1,000
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.

Compare up to 4 providers

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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