LendYou Review

LendYou Review

This loan broker has been around since 2005 and helps people find personal, installment, and payday loans. They specialize in matching people with all types of credit find a loan.

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What is LendYou?

Unlike many companies, LendYou has no minimum credit score requirement to use their platform. Instead, the company acts like a loan broker that connects borrowers to their network of secure loan providers, and they’ll match you based on your requirements.

  • Quick approval
  • Considers all credit types
  • Doesn’t require collateral
  • Range of loan types
  • Not a direct loan lender
  • Interest rates can be very high
  • May not receive a loan offer
  • Potential for costly late payment penalties
Table of Contents

    How Does LendYou Work?

    LendYou isn’t a direct lender, instead, it matches you with lenders. When you go to the website, you’ll fill out an application with the type of loan you need, including income and credit score estimates and how much you’d like to borrow. 

    LendYou will then take your information and match you to partner lenders. The goal is to match every applicant with specific lenders that work with borrowers with close financial profiles. This gives you the best odds for a loan approval. Pick the financial solution that matches your needs and complete the application process with that lender. If you don’t like any of the offers, you can back out without a penalty.

    LendYou Features

    LendYou works with lenders that offers payday loans, personal loans, and installment loans. Here’s a breakdown of the features of those loans:

    Installment Loans

    • Loan Amount – $1,000 to $5,000
    • APR – Varies

    Payday Loans: 

    • Loan Amount – $100 to $1,000
    • APR – Varies

    Personal Loans:

    • Loan Amount – $5,000 to $35,000
    • APR – Varies

    LendYou Requirementirements

    You have to meet a few loan requirements to match to a lender using LendYou as a broker. They don’t require a minimum credit score but the lenders will run a credit check as part of the application process. The requirements are:

    • Age – Be a minimum of 18 years old
    • Bank Account – Have a valid checking account for direct deposit
    • Income – Have and prove a minimum monthly income of $1,000
    • Residency – Permanent resident or US citizen
    • Military Association – Not be a reserve, regular member, or dependent of a member of the Air Force, Army, Coast Guard, Marine Corps, or Navy – depending on the loan type you want to take out.

    You should also note that small-dollar or short-term loans may not be available in all states, including Vermont, New York, Arkansas, or West Virginia. 

    Is LendYou Legit?

    Yes, LendYou is a legitimate loan connecting service with a network of qualified lenders. It matches potential borrowers with lenders based on what you put into the application to increase your odds of obtaining a loan.

    LendYou Reviews

    Several reputable websites have favorable reviews of LendYou, and you can do a quick Google search to find them. We found a few for you, including:

    • TrustPilot Ratings3.5 out of 5 stars but no reviews as of the time of writing this article.
    • BBB Rating – Not listed – but this is common as it works as a loan connecting service and not a lender.
    • Reddit ReviewsFavorable comments and customer feedback that highlights the fact that there are no hidden fees, a quick application process, and you don’t overpay. 

    What Makes LendYou Stand Out

    LendYou stands out because the lenders they work with accept people with bad credit as long as they can prove you can repay the loan. Also, they don’t require collateral as they are unsecured loans. There are minimal restrictions to abide by as long as you use the funds for legal purposes, and LendYou’s network offers generous loan amounts to qualified applicants.

    Why you’ll want to look elsewhere

    • APR – Some of the lenders LendYou works with charge up to 1,386% on a short-term loan.
    • State of Residence – Some states don’t allow payday loans, so you may want to try another company, like Opploans, if you live in one.

    Sites Like LendYou

    Several online lending companies work like LendYou and connect potential borrowers to lenders that fit their financial profile, and a few alternative loan brokers include: 

    • MoneyMutual – Founded in 2010, MoneyMutual offers a quick application process and works with lenders to provide $2,500 and lower loans.  
    •  BadCreditLoans.com – Since 1998, BadCreditLoans.com has worked to connect people to lenders to get loans ranging from $500 to $10,000. 
    • 5kfunds – Borrowers get flexible repayment options on loans ranging from $500 to $35,000, and the APRs start at 5.99% and go up. Read our 5kfunds review for more details.

    How to apply for a loan online with LendYou

    Applying for a loan using this broker is simple and fast, and it’ll only take a few minutes to fill out the applications for LendYou to connect you with several lenders. To apply, you’ll do the following: 

    • Go the LendYou and pick the type of loan you want
    • Input the last four digits of your social security number, birthday, email, and zip code before reading and accepting the terms and conditions. 
    • Click “Get Started” to finish the application and fill in
      • Name
      • Birthday
      • Social security number
      • Driver’s license number
      • Employment 
      • Monthly income and paydays
      • Contact information 
      • Bank account information 
    • Click “Submit” and wait for an offer. The lenders may require a credit check; you can get funds in as little as one business day. 

    Wrapping up

    If you need a secure online broker to connect you to secure lenders to get fast cash for an emergency or expenses, LendYou is a solid choice. They’re well-known and accept all credit types while working with reputable lenders offering flexible repayment plans.


    Loans: $100-$2,500

    APR: Varies

    Credit score: No minimum credit score

    Application simplicity
    User experience
    Customer Service
    3.5 Overall Rating

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    LendYou Review