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LoanMe

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226 User Reviews

6.5

Overall Score

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LAST UPDATED: September 16th, 2021

LoanMe is a lending company that offers both personal and small business loans. LoanMe offers unsecured installment loans that are typically used for one-time purchases or debt consolidation.

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Highlight: LoanMe rates and terms

  • Rates — 32–264%
  • Max loan term — 7 years
  • Loan amounts — $1,000–$30,000*

*The maximum loan amount for subprime borrowers is $20,000.

Read LoanMe reviews below to see what past borrowers have to say about this online lender.

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The Good

  • Wide Loan Fund Range
  • 7-Year Max Loan Length
  • Simple Application Process
  • No Prepayment Penalties
  • No Fund Limitations
  • Soft Credit Score Inquiry
  • LoanMe Reviews

Wide Loan Fund Range

LoanMe personal loans range from $1,000 to $30,000. However, that amount can vary depending on the borrower's credit score, state of residence, and other personal information. The annual percentage rate (APR) and repayment term for a loan will also fluctuate based on these factors.

To qualify for the lowest rates and highest loan amounts, an applicant should have a FICO score of 500 or higher. This credit score is considered good, but may not be attainable for all borrowers.

LoanMe does offer loans for subprime borrowers, ranging from $1,000 to $20,000. These loans are available in the following states:

  • Arizona
  • California
  • Delaware
  • Florida
  • Idaho
  • Indiana
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • Nebraska
  • New Mexico
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Utah
  • Virginia
  • Wisconsin

7-Year Max Loan Length

Most personal loan lenders keep their loan lengths between two and five years. LoanMe, on the other hand, offers a maximum loan length of 7 years. It's beneficial for customers to have more flexibility in their loan terms, especially if they have a unique financial situation and need quick funds but won't be able to pay them back right away. This also provides more flexibility in monthly payment options.

However, be aware that if you are a borrower with a longer loan term, you may pay smaller monthly payments, but this means you will have to pay more money in interest charges over the lifespan of the loan.

Simple Application Process

LoanMe advertises a quick, easy application process that can provide applicants with loan approval in just a few minutes. The entire application process takes only five minutes to complete.

LoanMe's personal loan application asks for basic contact and personal information (state of residence, name, phone number, address, birth date, social security number, driver's license, etc.), as well as personal proof of income information (monthly income and expenses), any business ownership, and if the applicant is or has ever been enrolled in credit counseling or a debt settlement program.

The entire process can be completed online or over the phone. Funds are wired directly to the applicant's bank account, so the borrower could potentially have the money in their hands within three to four hours if all required documents are received prior to 1 p.m. PST on a business day.

No Prepayment Penalties

LoanMe does not charge any prepayment penalty fees. This means that borrowers can make extra payments on their loans, and they will not be charged for repaying back the loan earlier than the due date. LoanMe actually encourages borrowers to do so to save money in interest fees.

No Fund Limitations

Many personal loan lenders have terms that limit what borrowers can spend their loan funds on. However, LoanMe has no fund limitations, enabling you to borrow money and spend it on whatever you'd like. Whether you are putting the funds towards medical bills, home renovations, debt consolidation, or any other major expenses, you have the freedom to control where the borrowed money goes.

Soft Credit Score Inquiry

If you pre-qualify for a LoanMe personal loan, this will not affect your credit score. LoanMe first completes a soft credit inquiry to determine your rates and fees. You will not receive a hard credit inquiry on your credit report until you accept LoanMe's offer and complete the borrowing process. This makes it simple for borrowers to compare lenders' rates and terms before making their final purchasing decision.

LoanMe Reviews

LoanMe complaints are limited, as most of its reviews are positive and highlight a satisfactory customer experience. Current LoanMe reviews note great rates even for people with poor credit scores, a fast and efficient loan process, and a professional staff with quality customer service.

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The Bad

  • Undisclosed Rates
  • Additional Fees
  • Limited Coverage Area
  • Time in Business
  • High Interest Rates

Undisclosed Rates

LoanMe does not disclose an interest rate range on its website, making it difficult for potential customers to know what their loan monthly payment might be.

However, borrowers can pre-qualify for a LoanMe loan with no impact to their credit score, allowing them to see what rates they qualify for based on their personal information and finances.

Additional Fees

LoanMe has not disclosed whether or not it charges an origination fee, check processing fees, or late fees as part of its loan terms. If you do decide to get a personal loan through the lender, be sure to read your contract carefully so that you are aware of all fees that you may be subject to. 

However, it's common with personal loan lenders to take the required upfront fees out of the loan amount before transferring the funds to your bank account, so if you do have to pay an origination fee or another loan processing fee, you don't have to pay them out of your own pocket.

Limited Coverage Area

LoanMe offers its loan services in the following states: 

  • Arizona
  • California
  • Delaware
  • Florida
  • Idaho
  • Indiana
  • Kentucky
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • New Mexico
  • Ohio
  • Oklahoma
  • South Carolina
  • Tennessee
  • Utah
  • Virginia 
  • Wisconsin

Unfortunately, if you do not currently reside in one of these states, you will be unable to use LoanMe for your lending needs.

Time in Business

Founded in 2013, LoanMe hasn't been in business as long as some of the other lenders in the personal loan industry.

However, although the company has less experience, LoanMe has proven itself as a trustworthy name with quality offerings and a satisfied customer base.

High Interest Rates

Although a specific personal loan interest rate range is not discolsed on the LoanMe website, the most common complaint from the one star LoanMe reviews is due to high interest rates, but you will have to inquire to get a quote for your potential interest rate. Thus, for those with poor credit scores looking to consolidate credit card debt, you will likely be paying an interest rate close to what your credit card is already charging you or possibly higher.

If you are trying to pay off a student loan or some other type of loan or debt with a low credit score over a longer period of time, LoanMe may result in higher interest rates compared to other lenders, resulting in more money being spent towards your personal loan repayment.

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The Bottom Line

LoanMe is a California-based lending company that provides personal, auto, and small business loans to customers in select states. Specific loan amounts, interest rates, fees, and term lengths vary depending on location. In some states, a good credit score may qualify applicants for higher loan amounts up to $30,000, with interest rates that vary.

Although LoanMe does not offer fee information upfront, it does not have a prepayment penalty fee if you would like to pay off your loan earlier than your agreed loan term. However, if you choose LoanMe as your personal loan provider, be sure to read your contract carefully to see what specific fees you may be charged — likely an origination fee, a common practice in the personal loan industry.

For consumers with great credit scores, LoanMe may be a good choice, as you can qualify for low interest rates and terms. But for those with bad credit scores, you may want to consider an alternative lender because you will likely receive a high interest rate with LoanMe.

If you want to learn more about this online lender and its customer experience, you can read LoanMe reviews below. Current reviews highlight a simple application process, competitive rates, and quality customer service.

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Star Rating

3.8

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226 Reviews

Review Breakdown

5 grade

51%

4 grade

14%

3 grade

10%

2 grade

10%

1 grade

15%

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Mattie Los Angeles, CA

I was approved for the loan. It was expedient. I got the money the next day and everything was explained to me very clearly on what my payments would be and how they would be. It was just helpful in the situation where I was. I had problems trying to submit all the requirement paperwork and they actually walked me through it step by step and explained to me how to do it in order to complete the application process. If I was ever in need again of a loan once this one is paid off, I would definitely go back to LoanMe. They gave me a higher loan than what I expected or we even requested and it was much appreciated.

2 years ago

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Reply from LoanMe

Thank you so much for your kind words, Mattie. We really appreciate you taking the time out to share your experience with us—We count ourselves lucky for customers like you.

Jun. 13th, 2019

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Thomas Simpson

Very easy to use. Extremely professional staff. Very quick with assistance, and identifying a workable solution when I ran into issues. Great at offering options all aimed at best meeting my needs, and coaching to select the option best meeting my immediate situation as well as thought to longer term/down the road potential issues or positives that may help.

2 years ago

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Michael Stockton, CA

When I called to make a personal payment and explained that my intention was a thousand this weekend and a thousand the following week and the break the last thousand up into a few payments, the guy basically snicked and me and said "well good luck with that". That's been my only negative response or experience with the whole process. They don't believe the that customer is actually going to pay back the money in a short time. Other than that experience, the customer service is great. They're very helpful and seem to expedite the process. The process was as easy as making the phone call, going through a couple different verification of employment and income and it was relatively easy beyond that. The money was in my account rather fast within I think fourty eight hours. If you take the loan to the full extent of the term of the amount of interest you incur is outrageous.

2 years ago

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Reply from LoanMe

Thank you for taking the time to post your review, and are glad to hear the process went smoothly. We always encourage our customers to pay off their loans as quickly as possible to pay the least amount of interest.

Jun. 13th, 2019

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James San Pedro, CA

It was a very quick and easy process with them. They let you know what's going on with everything right away so there's no question and if you're going to be approved or not approved. The customer service answers any question that you do have when you call them. They don't direct you to other people. The person you're speaking with can give you the answers you need.

2 years ago

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Reply from LoanMe

We are glad to hear that you have had such a pleasant lending experience working with LoanMe. Thanks for your business!

Jun. 13th, 2019

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Robert Orange, CA

The people I spoke with and dealt with were very helpful. They let me know every step of the way what was happening so no surprises. They were very informative of the process. The process was easy and convenient. I went online and completed the application and got everything by email. I think I only had to speak to someone once on the phone and the rest was done electronically. The interest rate was really high and the origination fee was high but I needed quick cash so I did what I had to do.

2 years ago

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Reply from LoanMe

Thank you for taking the time to post a review. Consumers are comfortable with varying interest rates depending on their personal situation and interest rates are determined by multiple factors.

Jun. 13th, 2019

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Michael Hayward, CA

So I was looking for a loan, and LoanMe looked like the best one for me and for my needs. It was a great situation all around - it was easy to set up and the whole process was good. I put in for it and waiting a couple days for it to be approved and everything was good. The fact it they take care of their customers. They show that they are interested, and handle it in a professional manner.

2 years ago

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Israel Long Beach, CA

LoanMe was very professional and they were very courteous and above everything, they were very prompt and expedited my application. They were willing to listen to me as I explained the loan. I went through the online service and entered all the information I was required and they were quick to call me back and they were quick to process everything. I've never had a loan expedited as fast as I have with this loan.

2 years ago

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Reply from LoanMe

Thank you for your review and insight. It is wonderful to hear that we were able to provide you with the excellent experience we strive to provide all our customers. Thank you for being a LoanMe customer!

Jun. 13th, 2019

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Michele Huntington Beach, CA

They were easy to work with. They explained everything very easily and it was just a super easy process. It was all done via phone and submitting my approvals for everything and through email. The guy that I worked with was really super nice and he explained everything to me and he had everything complete with the money in the bank in about an hour.

2 years ago

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Reply from LoanMe

Thanks for the awesome review, Michele! We work hard to meet expectations like yours, and we’re happy to hear we hit the mark for you. Cheers!

Aug. 2nd, 2019

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Max Diaz

Fast, professional, easy. I was a little strapped for money and I was looking for a small loan to help with bills and debt consolidation. LoanMe made it very clear and simple, and I had the money I needed within about 30mins.

2 years ago

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Richard Sotello

During my time talking with a loan agent, he explained all the details very professionally and was also kind in explaining the details. All questions that I asked about, he explained very well. The agent didn't mind going over figures when I asked about them

2 years ago

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R Fairfield, CA

There were a couple of hiccups in terms of how to find a document or something. The guy who was helping me out with the challenges was very patient with me and courteous. The loan officer who approved my loan and who I worked with was extremely courteous and efficient with his service. He was very polite and just very patient with me.

2 years ago

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Reply from LoanMe

Thank you for taking the time to write about your experience. It is wonderful to hear that the representative was able to provide the excellent experience we strive to provide to all of our customers.

Jun. 13th, 2019

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Anonymous Colton, CA

They really helped out as fast as they could. The customer service was very good. When I called someone about balances, she was very friendly about it, but when I called back again, I spoke to somebody else who was awesome and he gave me all the information I needed.

2 years ago

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Reply from LoanMe

Thanks so much for taking the time to review us! I am glad to hear that we could provide you with the necessary information to make an informed decision.

Jun. 13th, 2019

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Alan Modesto, CA

They were real helpful with there. Everything was set and they helped me understand what I needed to give back. Any situation I had, they would get it done and help me out. Everything went real smoothly all the way through and everything turned out real well.

2 years ago

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Reply from LoanMe

Thank you for taking the time to write about your experience. It is wonderful to hear that we were able to provide you with the excellent experience we strive to provide all our customers.

Aug. 2nd, 2019

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Aimee Rialto, CA

It was fast and easy. The customer service was good. I easily got the money within a couple of hours so it was a really good customer service phone call. They answered all my questions accurately and with details. It was very good customer service.

2 years ago

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Reply from LoanMe

Thanks so much for taking the time to review us! We are glad to hear that you are very satisfied with your lending experience!

Aug. 2nd, 2019

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Ronnie Victorville, CA

The customer support was excellent and great communication. They got me the loan I needed. It's just a great company and great people. The process was simple and easy and if you don't understand it, they will help you understand.

2 years ago

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Tony V

I'm a truck driver. Pulling my rig into a bank half way across the country just wasn't an option. They got me the money I needed within hours and really helped me out of a tight spot. I paid back the loan in full within two months, and am extremely grateful for the help they gave me.

2 years ago

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Reply from LoanMe

Thank you so much for your kind words, Tony. We really appreciate you taking the time out to share your experience with us. We count ourselves lucky for customers like you.

Aug. 2nd, 2019

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Gail Verker

Because of the staff. Roger was so helpful and so nice. He took his time with me and explained the loan and answered all my questions without making me feel like I was a pain or a bother.

2 years ago

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Anonymous North Hills, CA

It seemed like it would be easy to obtain the loan and it was. The loan was very expensive but it was easy to get and it was really great and the customer service was pretty good as well. They did a good job and answered questions and made sure everything was understood before carrying on.

2 years ago

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Reply from LoanMe

We are glad to hear that you have had such a pleasant lending experience working with LoanMe. Thanks for your business!

Jun. 13th, 2019

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Esenz Los Angeles, CA

Easy, convenient, and fast. The lady who reached out to me from customer service worked with me through the entire process from start to finish. She was able to wire the money to me that same day.

2 years ago

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Reply from LoanMe

Thanks so much for taking the time to review us! We are glad to hear that you are very satisfied with your lending experience!

Jun. 13th, 2019

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Patrick Pomona, CA

It's a good company and they help out people that don't have perfect credit. The people that I talked to were very nice and the money came right away. Overall it was good customer service.

2 years ago

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Reply from LoanMe

Thanks for the awesome review, Patrick! We work hard to meet expectations like yours, and we’re happy to hear we hit the mark for you. Cheers!

Jul. 26th, 2019

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Lionel Chula Vista, CA

Customer service is very helpful and very friendly. The customer service representatives are very professional and patient. The loans are very easy to apply and very hassle free.

2 years ago

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Reply from LoanMe

Thanks so much for taking the time to review us! We are glad to hear that you are very satisfied with your lending experience!

Jul. 26th, 2019

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Rick Bountiful, UT

I never had any problems. I applied and got it just like that. I just went online and filed it and they got back with me and called me on the phone and I received everything. Everything went smooth.

2 years ago

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Reply from LoanMe

Thank you so much for your kind words, Rick. We really appreciate you taking the time out to share your experience with us. We count ourselves lucky for customers like you.

Aug. 2nd, 2019

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Robert Hesperia, CA

They were the first company that answered fast with an answer that actually made sense. It was really easy. They were very very quick and painless. It was seamless and everything went through smoothly.

2 years ago

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Reply from LoanMe

Thank you for taking the time to write about your experience. It is wonderful to hear that you were satisfied with your lending experience.

Aug. 2nd, 2019

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Saul

Interest way to high, I cannot get a clear answer, and what original loan me agent told me was not true. I was told I can pay more to pay the pan quicker, one agent said in have to pay in the first of the month or it will just be going to interest, another loan agent didn't seem to knowledgeable and asked her manager who said I can pay within the 1st 2 weeks but she won't give me a clear cut answer. You speak in jargon knowing your customers have no idea what you're talking about in an attempt to screw them. So I haven't paid more then my minium balance cause I don't trust you're company. I will tell everyone I know as o have already and once paid off will have learned a valuable lesson.

2 years ago

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jesse silvers sr

they are top notch, but i would like various ways to pay my bill.using my crdit card is a pain and i cant get to moeygram or western union until im on my day off.

2 years ago

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Rosa Maldonado

I had a situation where I could not make payment and needed extension and they help me around it they made it for me stress free. Thank you for your service.

2 years ago

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Jose Duran

I give loan me 4 stars. They put the money in my account the next day... BEWARE IF YOU CANT PAY IT BACK WITHIN TWO MONTHS DONT GET OT CRAZY HIGH INTEREST RATES I WOULD NOT DO IT AGAIN BE CAREFUL ''

2 years ago

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Rick Thomas Carmichael, CA

I really appreciate LoanMe coming through for me financially, but the high cost of the money (high interest rate) they lend causes my feelings to be mixed. But they know they've got you over a barrel, so they know they can.

2 years ago

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Reply from LoanMe

Thank you so much for taking the time to post a review. Consumers are comfortable with varying interest rates depending on their personal situation and interest rates are determined by multiple factors.

Jun. 13th, 2019

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Yelena North Hills, CA

LoanMe is a great place for short term loans, customer service is great and they are very supporting and always availble to answer any of your questions

2 years ago

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Reply from LoanMe

We are glad to hear that you have had such a pleasant lending experience working with LoanMe. Thanks for your business!

Jun. 13th, 2019

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Rony Bell, CA

One of the reps wasn't that helpful but my second rep was really helpful. The first didn't give me more info on the load while the second sales rep helped me.

2 years ago

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Elizabeth Thomas

They are great with the way they help you get through the loan process and get you approved but the way the interest is calculated is poor. A person should be able to pay their loan back in bigger portions without penalties. When I'm fact they are not.

2 years ago

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Reply from LoanMe

Thank you so much for taking the time to post a review. Interest rates are determined by many factors, of which consumers are comfortable with varying interest rates depending on their personal situation.

Aug. 2nd, 2019

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Paul Sauer Salt Lake City, UT

I can't say enough good things about loanme. I have had poor credit and rude service is the norm. Not at loan me. Wonderful service. A pleasure to deal with. I am just surprised that they are understanding and helpful. The whole process of applying for the loan, receiving the funds and the service after is outstanding. I highly recommend this company.

5 years ago

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Jose

They help you to understand every step of the process. Couldn''t do it on my own and they take their time to help every step.

2 years ago

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J

Their customer service is very good and friendly. I only rated them a 3 star because their loans are very expensive. If you really needed the money for a short term, and can pay it back fast, then it's ok.

2 years ago

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Susan Patterson

They provided excellent customer service from start to finish. They were there when I needed them the most when nobody else could help me.

2 years ago

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Gary Baumgarten

Their APR of 135% is outrageous. The money you end up paying back is almost six times what you borrowed unless you pay it right back. Who can do that? You are borrowing money from them because the money you have for what you are buying is inadequate that is why you are borrowing money.

2 years ago

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Rob Stockton, CA

The interest rate is too high, if they charged less, but had a longer period of time they would still make the funds but with the interest so high, it's tougher yet to get ahead.

2 years ago

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Reply from LoanMe

Thank you for taking the time to post your review as well as your comments regarding the terms of your loan. We always encourage our customers to pay off their loans as quickly as possible to pay the least amount of interest.

Jun. 3rd, 2019

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Steven Vista, CA

The process was simple and easy via the computer and by talking to the representative. They were knowledgable, professional, patient, and helpful.

2 years ago

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Reply from LoanMe

Thank you for taking the time to write about your experience. It is wonderful to hear that we were able to provide you with the excellent experience we strive to provide to all of our customers.

Jun. 13th, 2019

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Gary Murrieta, CA

Straight forward and easy process with LoanMe. They were pretty quick. You get a response back fairly quickly with the online process.

2 years ago

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Reply from LoanMe

Thank you for your review and insight. We are glad to hear that you have had such an easy lending experience with LoanMe. Thanks for your business!

Jun. 13th, 2019

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Glen Cypress, CA

The loan process was easy and convenient, but it was ridiculously expensive. The people that I spoke to were very helpful and answered all of my questions. I was approved within 24 hours.

2 years ago

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Reply from LoanMe

Thank you for your review, and thank you for your business.

Jul. 26th, 2019

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Jeramey Riverside, CA

The service is very quick, and I was able to pay off the loan on my own timeline. Everyone was really friendly and answered all of my questions.

2 years ago

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Reply from LoanMe

Thank you so much for this great 5-star review. We really appreciate you being a loyal customer.

Jul. 26th, 2019

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Jesus Helendale, CA

They provided everything that I needed, and did an excellent job at helping me. The day after I signed, the check was in my bank.

2 years ago

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Reply from LoanMe

We are glad to hear that you have had such a pleasant lending experience working with LoanMe. Thanks for your business!

Jul. 26th, 2019

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Miguel San Jacinto, CA

The service was easy and I got my money right away. They were very informative and actually helped with the problem and the whole process.

2 years ago

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Reply from LoanMe

We are glad to hear that we were able to help you in your lending experience. Thanks for your 5-star review.

Jul. 26th, 2019

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Adriana

Application was easy, the process after the application was fast, customer service representative was friendly and knowledgeable.

2 years ago

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Reply from LoanMe

Thank you so much for sharing your experience with us. Our goal is 100% customer satisfaction. We want every experience to be “five stars”!

Aug. 2nd, 2019

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Danielle LaBostrie

The way payments are applied that are made before the due date are not considered an early payment to avoid paying more on interest instead it''s considered an extra payment towards interest only.

2 years ago

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Marsha Mathews

They were very thorough and followed through on each step to process my loan. They even checked to be sure the transfer was completed.

2 years ago

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Kelley Edwards Hesperia, CA

They do not adjust payment when you pay down the principal. I paid almost $3000 on a $3100 loan and my remaining payment to pay off in full will still be $427...However their associates have all been very professional

2 years ago

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Reply from LoanMe

Thank you for taking the time to post your review as well as your comments regarding the terms of your loan. We always encourage our customers to pay off their loans as quickly as possible to pay the least amount of interest.

Jun. 3rd, 2019

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Michelle L San Jose, CA

Great opportunity high interest rate. I got this loan for a friend in need. Process was lengthy and not everything could be done on line.

2 years ago

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Reply from LoanMe

Thank you for taking the time to provide us with your review. I would like to extend a personal thank you for sharing your experience in working with our company. We strive to provide each client with an excellent lending experience, and we are actively working to improve service levels to better meet our customer’s needs.

Jun. 3rd, 2019

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Roberto Oakland, CA

The interest rates are extremely high,and when you get loan they charge you at front 10 % of the amount that you are lending, and they include that amount in the loan amount.

2 years ago

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Reply from LoanMe

Thank you so much for taking the time to post a review. You are correct that there is an origination fee associated with our loans. Consumers are comfortable with varying interest rates depending on their personal situation and interest rates are determined by multiple factors.

Jun. 3rd, 2019

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Paula Lomita, CA

Interest rate is out of this world high. The monthly payment is crippling, I was so desperate for help that i probably will be homeless by June. I made a horrible mistake, not sure how I will ever forgive myself.

2 years ago

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Reply from LoanMe

Thank you so much for taking the time to post a review. Consumers are comfortable with varying interest rates depending on their personal situation and interest rates are determined by multiple factors. We always encourage our customers to pay off their loans as quickly as possible to pay the least amount of interest.

Jun. 3rd, 2019