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LAST UPDATED: February 17th, 2023

LendNation is a small-dollar, short-term lender founded in 1984 and based in Lenexa, Kansas. It is owned by QC Holdings, Inc. QCHI's many retail store locations have been known under many different names including Check$mart, Quick Cash, and Q C Finance. In recent years, the company has transitioned the branding of its operations in most states to LendNation, but some still retain their original names and simply work as a part of the LendNation network. It offers both online and in-store products and services.

As with all payday lenders, or short-term lenders focusing on consumers with poor credit, loan types, loan terms, maximum amounts, and the available annual percentage rate (APR) is dependent upon local and state deferred deposit loan or short-term cash loan statutes. Some states only allow installment-based loans, while others allow typical payday or cash advance loans that have to be paid back within two to four weeks.

LendNation's main lending products are determined by local governments and interest rate laws for each state. Depending on your state, you could be able to get a traditional payday loan, also known as a cash advance, a personal installment loan, or an auto title loan.

The average APR for a 14-day payday loan from this company is 533 percent, but payday loan APRs range from 300 percent to 800 percent. Loan origination fees (for installment loans) are included in total APRs. LendNation offers loans in the following states:

  • Idaho
  • Illinois
  • Kansas
  • Kentucky
  • Louisiana
  • Missouri
  • Nebraska
  • Nevada
  • Oklahoma — no online loans
  • Texas
  • Utah
  • Wisconsin

It is a member of the Comunity Financial Services Association of America.

Top Ranked Companies


The Good

  • Quick Application
  • No Prepayment Penalty

Quick Application

In most of LendNation's states, consumers can apply online or in a local store. The loan application process doesn't rely on your credit score, as this lender doesn't do a traditional credit check. There is no hard pull to show up on your credit report. Loan decisions are based on the personal information you provide about your income and employment.

LendNation has several basic application requirements for people that want to borrow money:

  • An active checking account
  • Valid telephone number
  • Valid email address
  • Verifiable source of income

Once you fill an online application with this lending company, your pre-approval offer is immediately accepted or declined. You don't have to wait to receive any word. From there, you will have to talk to someone from LendNation's customer service department for actual loan approval. You will be contacted by phone from one of LendNation's employees to talk about loan options if you are pre-approved.

If you apply for your loan online, funds typically can be received via direct deposit within one business day or you can pick up cash at a local location, if available.
In-store applicants may need to provide photo ID, like a driver's license, and references are needed in some states.

No Prepayment Penalty

Consumers can pay off their short-term loans with LendNation early. There is no early repayment fee in this company's loan agreement.


The Bad

  • Availability
  • Expensive Credit
  • Fees
  • Need More Information


This lender only offers its services in 13 states. If you live outside of its coverage area, you will have to look to additional lenders in your state to handle your unexpected expenses.

Expensive Credit

As with all payday loans and personal installment loans catered to people with little, no, or bad credit history, LendNationals products and services are an expensive form of credit. If you have access to a Payday Alternative Loan from your local credit union, or you are able to get a less expensive loan, that is always recommended.


Even if you took out a small loan with this type of lender, you need to be aware that there are likely going to be late payment fees and NSF insufficient funds fees if they try to debit money from your checking account, but the request is returned due to insufficient funds. These vary from state to state, but for example, the NSF fee is $30 and if your payment is ten or more days late, the fee is 5 percemt of the payment due, up to $7.50.

In some states, LendNation offers a pay-in-full option, or a 5 percent principal paydown plus interest to spread it into three payments.

Need More Information

At this time, we need a little more information about LendNation's critical policies and fees that are charged to customers. It is pretty hard to track down a maximum APR range, because some of the company's state-specific pages are lacking rate information.


The Bottom Line

If you have unexpected expenses and you are unable to get access to mainstream credit, LendNation is a run-of-the-mill provider of short-term loans with regular payday loan interest rates with an annual percentage from 300 to 782.

On the bright side, you can easily fill out an online application for most of the company's loan products if you live in its 13-state coverage area.

Have you borrowed or applied for a payday loan with LendNation? Let us know about your experience with a quick review below.

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34 Reviews

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Ettl Lewiston, ID

This company is a joke! Moscow idaho pulls money out whenever they feel like it. Even when you tell them when you get paid. I have asked them numerous times what does it say on my paperwork when I get paid. They tell me yes we know it's only once a month and when I get paid. So what part of that do they not understand! They will call abd tell me a have a promise to pay on such and such day. Once again I have to ask them and tell them when I get paid. If I could, I would give it no stars!

4 months ago


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Nicole IA

So frustrating. The worst customer service I've ever experienced and I'm not typically someone to critique. I couldn't tell u her name if I wanted, she refused to say. Also refused information for a manger.. I have pay stubs bank statement w-2s DL's a letter from this company with an invitation... I've been out of work due to back injury, hence the reason I was considering doing business here and she asked for proof.🤔 which isn't entirely absurd but in a emergency and meeting all requirements stated to follow on line THIS IS NOT THE COMPANY TO DEPEND ON. She was more worried about arguing her point but the most frustrating thing is I heard her lying about me on the phone and then refused me the ability to defend myself. Wish more people cared about lifting each up and helping during these hard times.

9 months ago

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DKT Las Vegas, NV

Do not use this company. I took out a payday loan paid it off a couple of times and then the lady at the office talked me into taking out a different type of loan said it is better for me. Well the loan goes for almost 2 years I paid 175 every 2 weeks for the first year and every payment went to interest no principal. I have paid for one year so far never missed or late on payment and I looked at my balance. I borrowed 2000 paid 24 payments of 175 and as of now my balance is still 2000. I complied at the store and the lady said the loan for the 1st year is all interest and the next year is mostly principal which means the 2000 dollars will cost me 6400. I can’t believe they would take advantage of their customers especially senior citizens like I am. I ask for leadership to call me or maybe the owner but of course no one there has. The local lady at the store is great. If you need a loan use cash 1, dollar loan center just don’t use this piece of crap store or you will be SORRY YOU DID BECAUSE IT WILL TAKE TOU 2 years to pay it off. These people are nothing but loan sharks and need to be shut down. I can’t believe the owners are able to sleep at night.

1 year ago Edited March 21, 2022

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Katswai Houston, TX

My experience with the nation has been rude employees who treat you like second rate citizens who don't deserve the respect that everybody else in the world deserves. The employees both on the phone and in person at the local store in Texas we're extremely rude to me often repeating themselves over and over again as if I have a hearing problem or if I have a learning problem and don't understand what they're saying. Their policies contradict each other between their store and on the phone, and ultimately I have decided not to get a loan through them. I get it that there are a lot of people in this world that try to scam people or companies or just outright don't have the ability to repay a loan, but that does not give these people the right to treat everyone they talk to as though they were not going to repay their loan or as though like I said before they're they are second rates citizens that don't deserve the very best and customer service treatment. I will be taking my business elsewhere,and I would suggest to anyone out there looking for a loan that there are other companies who will treat you better and with more respect, even if you have a low credit score then this company.

2 years ago

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AHall Kansas City, MO

LendNation is actually a rip off. I took out a loan for $1500 and called to pay it off within 5 days. I was charged $13 plus each day with interest charges. I don’t know anyone who charges that much for freaking interest. A total rip off!!

11 months ago

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Demeith M Henley Chicago, IL

I took a Loan out with them and thier Interest in Unbelievable Such A RIP Off Company!!! Never again....LendNation on 12601 S western ave

3 years ago