Founded in 2013 and headquartered in California, LoanMe is a lending company that offers both personal and small business loans to residents of Arizona, California, Delaware, Idaho, Kentucky, Missouri, New Mexico, South Carolina, and Utah. All of its loans are unsecured and are typically used for one-time purchases or debt consolidation.

The company advertises a quick, easy application and approval process for qualified applicants, and it's even possible to have money deposited into your checking account in as little as three to four hours. The max length for a LoanMe loan is 15 years, and loan amounts range from $2,600 to $100,000. Read LoanMe reviews below to see what past borrowers have to say about the online lender.

The Good

  • Wide Loan Fund Range
  • 15-Year Max Loan Length
  • Simple Application Process
  • Customer Service
  • No Worry Guarantee*
  • No Prepayment Penalties
  • No Fund Limitations
  • Great for Debt Consolidation
  • Soft Credit Score Inquiry
  • LoanMe Reviews

Wide Loan Fund Range

LoanMe personal loans range from $2,600 to $100,000. However, that amount can vary depending on the borrower's credit score, a state of residence, and other personal information. The annual percentage rate and repayment term will also fluctuate based on these factors. 

FICO 740 and up:

  • $7,500 to $100,000 loan amounts
  • 9.9 to 12.9 percent interest rate
  • 12 to 17 percent loan fee
  • 15-year repayment term

FICO 700 and up:

  • $7,500 to $75,000 loan amounts
  • 12.9 to 18.9 percent interest rate
  • 15 to 25 percent loan fee
  • 15-year repayment term

FICO 660 and up:

  • $7,500 to $50,000 loan amounts
  • 19.9 to 22.9 percent interest rate
  • 23 to 33 percent loan fee
  • 15-year repayment term

FICO 645 and up:

  • $7,500 to $50,000 loan amounts
  • 19.9 to 31 percent interest rate
  • 33 percent loan fee
  • 15-year repayment term

For applicants with lower credit scores than the minimum credit score of 645, LoanMe personal loans are much smaller and require high interest rates. There are flat loan fees instead of percentage-based fees, and the repayment terms are much shorter as well.

15-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 15 years, giving borrowers a long stretch of time to pay off their loans. 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 pre-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, birthdate, social security number), as well as personal 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 PM PST on a business day.

Customer Service

LoanMe provides several reliable methods for contacting its customer service department, as well as other departments such as collections service, loss mitigation, complaints, and the loan application department. The general customer service department can be reached via phone or email. This makes it simple for borrowers to get the help they need with little effort and no headache. 

No Worry Guarantee*

LoanMe offers a No Worry Guarantee for California residents.* If you change your mind within seven days of funding, you can return your loan and LoanMe will waive all interest and fees. This allows borrowers a trial period in case they decide a LoanMe personal loan is not for them. 

No Prepayment Penalties

LoanMe does not charge any prepayment fees. This means borrowers can make extra payments on their loans, and they will not be charged for repaying back the loan earlier than the due date. Having the ability to repay the loan as soon as you'd like with no penalty could save you a great deal of 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. 

Great for Debt Consolidation

LoanMe's personal loans are great for debt consolidation, as its annual percentage rate range and loan amounts are extremely flexible and are based on your individual financial situation, credit score, and credit history. LoanMe offers competitive rates and could potentially save you a lot of money in interest charges if you pay off high-interest credit card debt with your personal loan funds. LoanMe offers a manageable payback process and you can repay the loan as quickly as you want with no prepayment penalties on additional payments. 

Soft Credit Score Inquiry

When you are pre-qualified 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 officially borrow the loan funds. 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.

Get Pre-Qualified

The Bad

  • Additional Fees
  • Limited Coverage Area
  • Time

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, Idaho, Kentucky, Missouri, New Mexico, South Carolina, and Utah. 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. This may be a concern to customers interested in the company. However, although the company has less experience, LoanMe has proven itself as a trustworthy name with quality offerings and a satisfied customer base. 

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 from $7,500 to $100,000, with interest rates that range from 13.3 to 22.9 percent.

For consumers with great credit scores, LoanMe may be a good choice. However, individuals with subpar credit should make sure they are getting the best possible APR, as interest rates can rise in the case of a poor credit score and credit history. If you want to learn more about the 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. 

We'll Introduce You!

Call our recommended rep over at LoanMe below.

1-(844) 299-4668

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User Reviews

Star Rating

3.8
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223 Reviews

Review Breakdown

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Claudia
August 26th, 2019 DETAILS
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Interest rates are ridiculous if qualify with bad credit the terms are a headache but since they know you need it you have no choice but to agree to terms

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Michelle Rodas
August 26th, 2019 DETAILS
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interest rate way too high. Got a loan to pay off some bills but at the end i just got held back way more paying almost $400 a month. Wish i can get out of it!

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Ronald Dixon
August 26th, 2019 DETAILS
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It was a very simple process and they are easy to work with.

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Domunique
August 26th, 2019 DETAILS
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Staff is very helpful and you stay with the same person from start to finish

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JOVITA MARTINEZ
August 26th, 2019 DETAILS
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THEY STILL MONEY FROM BAD CREDIT CUSTOMERS, THEY CHARGE DAILY THEY ARE JUST THE WORST

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Mizzmax
August 26th, 2019 DETAILS
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The repayment plan is one if the worst I've had.

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Leslie
August 26th, 2019 DETAILS
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Interest to high this will cause me to pay back 3x the amount of money I borrowed

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Lucia
August 26th, 2019 DETAILS
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Not very friendly web page it's difficult to navigate when you want updates of your statement.

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She Fancy
August 26th, 2019 DETAILS
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Interest goes up every day, you will be in-depth, for a couple of years

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Jose Duran
August 26th, 2019 DETAILS
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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 ''

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E
August 26th, 2019 DETAILS
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The loans are too expensive. Even for a small term loan is too high when you pay back you're paying double the amount

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Craig Stephens
August 26th, 2019 DETAILS
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The interest rate is terrible, basically highway robbery, I was in a dire situation and now I am desperate to pay this off at 106% interest

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Gary Baumgarten
August 26th, 2019 DETAILS
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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.

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HJ
August 1st, 2019 Upland, CA DETAILS
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My second loan with your company, Kenny B was so professional, and helpful. thank you. Great Company, excellent customer service!!

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Reply from LoanMe

Aug 02, 2019

Thanks so much for your 5-star review. We are glad to hear that Kenny was so helpful. Thanks for your business!

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Jorge Saucedo
July 16th, 2019 Oakland, CA DETAILS
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Loanme takes advantage of less than 650 credit score, in my case I paid them off due to find out that my 1700 dollars payment only 1 dollar went to principal and the rest to interest, that is a highway robbery and I do not recommend this institution at all.

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Reply from LoanMe

Jul 17, 2019

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.

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BG
April 8th, 2019 Sacramento, CA DETAILS
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Great customer service, fast process, trustworthy

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Reply from LoanMe

Jun 03, 2019

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

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Gigi
April 8th, 2019 Compton, CA DETAILS
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Very high interest rate for poor credit/ kind of taking advantage situation

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Reply from LoanMe

Jun 03, 2019

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.

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Carlos
April 8th, 2019 Oceanside, CA DETAILS
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They are quick to answer, easy process, professional, and kind.

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Reply from LoanMe

Jun 03, 2019

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

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David Cathcart
April 2nd, 2019 Auburn, CA DETAILS
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You can get money fast and with little hassle but their interest rates would make the mafia embarrassed

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Reply from LoanMe

Jun 03, 2019

Thank you for taking the time to post a review. We apologize if our service did not meet your expectations. We set a high standard for ourselves and your comments will be heard to assist us in maintaining the high standard we strive to achieve with every customer.

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Francisco
April 2nd, 2019 Wildomar, CA DETAILS
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To high in interest rate. 3thousand borrow becomes 16,000

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Reply from LoanMe

Jun 03, 2019

Thank you for taking the time to post a review. We apologize if our service did not meet your expectations. Your comments will be heard to assist us in maintaining the high standard we strive to achieve with every customer.

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Anonymous
April 2nd, 2019 Montrose, CA DETAILS
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They promise that they return the call and never do it

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Reply from LoanMe

Jun 03, 2019

Thank you for taking the time to post a review. We apologize if our service did not meet your expectations. We set a high standard for ourselves and your comments will be heard to assist us in maintaining the high standard we strive to achieve with every customer.

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Ralph Salazar
April 2nd, 2019 Long Beach, CA DETAILS
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They have Great customer service i will refer them to my friends

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Reply from LoanMe

Jun 03, 2019

Ralph, wow! Thank you so much for this great 5-star review. We really appreciate you being a loyal customer and helping to share the word about us.

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Laurie
April 2nd, 2019 Antelope, CA DETAILS
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They had great customer- friendly service

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Reply from LoanMe

Jun 03, 2019

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

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Kelley Edwards
April 2nd, 2019 Hesperia, CA DETAILS
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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

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Reply from LoanMe

Jun 03, 2019

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.

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Gricelda
April 2nd, 2019 Indio, CA DETAILS
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There very helpful and answer all your questions

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Reply from LoanMe

Jun 03, 2019

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

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Adam
April 2nd, 2019 Lincoln, CA DETAILS
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The process was easy and the rep was very friendly and easy to work with!

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Reply from LoanMe

Jun 03, 2019

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

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Rafael
April 2nd, 2019 DETAILS
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The good the service when you need somebody to help you what is the place can you can count

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Reply from LoanMe

Jun 03, 2019

Thank you for your review and insight and thank you for being a LoanMe customer!

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Daryl Rosenberg
April 2nd, 2019 Atascadero, CA DETAILS
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Needed money, got it fast, customer service top notch!

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Reply from LoanMe

Jun 03, 2019

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

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Crystal Hicklen
April 2nd, 2019 Hawthorne, CA DETAILS
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LoanMe gave me the loan when no other company would.

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Reply from LoanMe

Jun 03, 2019

Thank you for your review and insight and thank you for being a LoanMe customer!

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Soujanya
April 2nd, 2019 San Diego, CA DETAILS
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It was easy for me to get a loan with LoanMe. Thank you LoanMe.

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Reply from LoanMe

Jun 03, 2019

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

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M. Silver
April 2nd, 2019 Los Angeles, CA DETAILS
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Interest rate higher than expected and number of payments are too many for the amount borrowed.

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Reply from LoanMe

Jun 03, 2019

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.

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Anna
April 2nd, 2019 San Jose, CA DETAILS
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Great super informative and helpful with loan that I had received from them

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Reply from LoanMe

Jun 03, 2019

o We couldn’t be happier that we have provided you with a great experience. Thank you for your comments.

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Nicolas
April 2nd, 2019 Hacienda Heights, CA DETAILS
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great service, so fast and always available

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Reply from LoanMe

Jun 03, 2019

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

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Michelle L
April 2nd, 2019 San Jose, CA DETAILS
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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.

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Reply from LoanMe

Jun 03, 2019

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.

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David
April 2nd, 2019 Marina, CA DETAILS
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Even though it is easy enough to get a loan, you could end up paying $47,000.00 for a $7500.00 loan.

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Reply from LoanMe

Jun 03, 2019

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.

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Stephanie
April 2nd, 2019 Rancho Santa Margarita, CA DETAILS
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Excellent customer service, brings up your credit score with in months!

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Reply from LoanMe

Jun 03, 2019

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

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Redwan
March 25th, 2019 Sacramento, CA DETAILS
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Charge way too much interest. I borrowed a thousand dollars and was expected to pay back $3000

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Reply from LoanMe

Jun 03, 2019

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.

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Roberto Vasquez
March 25th, 2019 Oakland, CA DETAILS
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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.

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Reply from LoanMe

Jun 03, 2019

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.

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Helen Holmes
March 25th, 2019 Santa Fe, NM DETAILS
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Customer Service, Professional, Courteous

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Reply from LoanMe

Jun 03, 2019

Thank you so much for your kind words, Helen. We really appreciate you taking the time out to share your experience with us.

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Paula
March 25th, 2019 Lomita, CA DETAILS
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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.

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Reply from LoanMe

Jun 03, 2019

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.

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Marcy Willard
March 25th, 2019 Lodi, CA DETAILS
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easy to work with and very easy to understand

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Reply from LoanMe

Jun 03, 2019

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

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Rob
March 25th, 2019 Stockton, CA DETAILS
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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.

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Reply from LoanMe

Jun 03, 2019

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.

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Linda Clark
March 25th, 2019 Sacramento, CA DETAILS
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Customer service easy access thorough staff

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Reply from LoanMe

Jun 03, 2019

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

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Kathleen Banks
March 25th, 2019 Los Angeles, CA DETAILS
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The company is very willing to work with you.

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Reply from LoanMe

Jun 03, 2019

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.

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Jon Waldrep
March 25th, 2019 Los Angeles, CA DETAILS
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The people are nice but the loans are really a last resort. Don't take one out unless you can pay it back in a month or two.

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Reply from LoanMe

Jun 03, 2019

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.

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HH
March 25th, 2019 Carpinteria, CA DETAILS
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It's a predatory loan with obscene interest rates.

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Reply from LoanMe

Jun 13, 2019

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

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eugene hill
March 25th, 2019 Seaside, CA DETAILS
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they dont appreciate good customers ,they charge outrageous interest even when your credit keeps improving

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Reply from LoanMe

Jun 13, 2019

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.

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Andrea Brooks
March 25th, 2019 Lancaster, CA DETAILS
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easy and quick , the representative was very nice and patient with my questions

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Reply from LoanMe

Jun 13, 2019

We couldn’t be happier that your representative provided you with a great experience. Thanks for being a LoanMe customer.

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Davina Hyatt
March 25th, 2019 Antelope, CA DETAILS
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Everyone is always helpful, professional, and through.

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Reply from LoanMe

Jun 13, 2019

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

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Cunnetta
March 25th, 2019 Santa Ana, CA DETAILS
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Because they was great and was on time when I needed them the most

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Reply from LoanMe

Jun 13, 2019

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