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LendYou short-term loans review

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LendYou Short-term Loans
2.5
★★★★★
Finder score
Min. Amount
$100
Max. Amount
$5,000
Turnaround time
1 business day

Summary

Find a lender that offers cash advances between $100 and $5,000.

LendYou is a loan connection service that works with lenders that can help you secure a cash advance. If you need some extra funds to help with a car payment, large purchase or any unexpected expense, LendYou's lender network might be able to help.

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question

Details

Product details

Product Name LendYou Short-term Loans
Min. Amount $100
Max. Amount $5,000
Loan Term 30 days or less for payday loan and installments
Loan Security Unsecured
Turnaround Time 1 business day
Costs Depends on your credit score and state of residency
Requirements $1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Phone number 866-894-6506

How does LendYou work?

LendYou is a loan connection service that works with a number of independent third-party providers. Once you apply, your application is sent to LendYou’s affiliate lenders. If a lender thinks your a suitable candidate for a loan, you may receive a loan offer.
Apply for a loan up to $5,000. The amount you’re approved for depends on the lender you’re connected with, the information you provide in your application and your state.

Features available from LendYou

  • Generous loan amounts. LendYou has lenders in its network that offer loans up to $5,000.
  • Minimal restrictions. Provided you use your loan funds for a legal purpose, there are very few restrictions on how you can use your loan.
  • No collateral. Loans from LendYou’s network are unsecured so you won’t need to provide an asset when you apply.
  • Bad credit is OK. The lenders LendYou connects you with accept applicants bad credit. As long as you have the ability to repay your loan, your score won’t play a large role in your approval.

How does LendYou compare with similar providers?

Check the websites of any providers you’re interested in to confirm they operate in your state of residence.

Name Product Filter Values Loan amount Turnaround time Requirements
EarnIn
Finder Score: 4.7 / 5: ★★★★★
EarnIn
Up to $750
1 to 3 business days, instant for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
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.
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Sorbet
Not rated yet
Sorbet
Based on the amount of accrued PTO
2 to 5 days
18+ years of age, live in eligible state, have W2 job with salary of $30k+, have PTO days accrued
Tap your unused PTO for a cash advance so you can access that money early. Available in: CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
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Cleo
Finder Score: 4.1 / 5: ★★★★★
Cleo
Up to $250
3 to 4 days standard delivery, instant with delivery fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to $500
Within an hour or instant with a delivery fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
CashUSA Installment Loans
Not rated yet
CashUSA Installment Loans
$500 to $10,000
As fast as same business day
Regular source of income, Bank account, US citizen or permanent resident, Age of majority in your state
Explore its online education center to get tips on budgeting, how to prioritize your bills and more.
Go to site
CashAdvance.com Payday Loans
Not rated yet
CashAdvance.com Payday Loans
$100 to $999
Varies by lender
Employed, at least $1,000 in monthly take-home pay, valid checking account, US citizen, over 18, valid home and work phone number, valid email address, resident of eligible state.
Use its repayment calculator to see how the loan term and amount you borrow affects the overall cost.
Go to site
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Costs to consider

LendYou doesn’t charge a fee when you use its service. However, if you’re approved for a loan and choose to accept the terms, you’ll be charged interest and fees for your loan.
LendYou’s partner lenders could charge up to 1,386% APR for a short-term loan, which can often make even small loans difficult to repay. Be sure to take these costs into consideration before you agree to the loan.

How legit is Lendyou.com?

LendYou is a legit loan referral service that connects borrowers to potential lenders. While it doesn’t make any decisions regarding your loan acceptance, it still abides by the Online Lender Alliance (OLA) list of Best Practices. This keeps your needs as a borrower in mind when it comes to short-term lending practices.

How safe is LendYou to use?

LendYou is an accredited member of the Online Lenders Alliance (OLA). Members of the OLA abide by a Code of Conduct and Best Practices to help ensure customers are fully informed and treated fairly. To help secure your personal information, LendYou utilizes 128-bit Secure Socket Layer (SSL) encryption technology.
Remember that as a loan connection service, LendYou will share your personal information with providers in its network and possibly with marketing companies.

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LendYou reviews and complaints

LendYou doesn’t have a BBB or Trustpilot page. If you do choose to use its service, confirm that the lender you’re connected with is legit before you sign a loan agreement.

How do I apply for a loan?

The online application for the LendYou loan should take you a few minutes to complete.

Eligibility requirements

While each of LendYou’s providers have different requirements, these are the typical minimum eligibility criteria:

  • Earn a minimum regular income of $1,000 per month
  • Have a valid checking or savings account with direct deposit
  • Meet or exceed the minimum age requirement for your state
  • Be a US citizen or permanent resident

Steps to submit a loan application through LendYou

  1. Go to LendYou’s website.
  2. Select the type of loan you want: Cash advance loan, installment loan or personal loan.
  3. Enter the last four of your Social Security number, your email address, zip code and year of birth.
  4. Choose Terms & Conditions of Use to read the conditions and definitions you should know before signing up.
  5. Hit Get Started.
  6. Complete the full application to get a decision in minutes.

What information will I need to submit?

Have the following details handy to complete your application:

  • Personal details, including your name, date of birth, and Social Security number.
  • Your employment information.
  • Details about your financial situation, including how much your are paid and when.
  • Your personal contact information, including your residential address, phone number and email address.
  • Your bank account information.

Bottom line

LendYou gives its users a chance to fill out one application and see which loans they qualify for. This helps you make an informed decision regarding your finances, however you still need to compare your options. Short-term loans have high costs associated with them, so it’s best to look for a lender that can offer your the best rate.

Are payday loans available in my state?

Frequently asked questions

    No, LendYou is a loan connection service. When you apply your application will be presented to a panel of lenders and when you are eligible with one, they will offer you a loan that you can choose to accept.
    How long does it take to apply?
    The initial application process should only take five to 10 minutes to complete. From there, lenders that have an offer will reach out.
    What information do I need — e.g., my Social Security number — to apply with LendYou?
    The information you will need to provide depends on the lender that you proceed with. Some lenders will request your SSN to perform a credit check.
    How do I get a $200 loan with no credit check?
    You could apply for a $200 loan with LendYou. LendYou itself doesn’t run a credit check but the lender you’re paired with may check your credit history or look into other national databases when making a credit decision.

    Short-term loan ratings

    ★★★★★ — Excellent

    ★★★★★ — Good

    ★★★★★ — Average

    ★★★★★ — Subpar

    ★★★★★ — Poor

    We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you can trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.
    Read the full methodology of how we rate short-term loan providers and similar services.

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    Aliyyah Finder

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