Name: LendNation
Rating: 3.8

LAST UPDATED: July 30th, 2024

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.

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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.

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The Bad

Availability
Expensive Credit
Fees
Need More Information

Availability

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.

Fees

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.

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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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User Reviews

Star Rating

3.8

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61 Reviews

Review Breakdown

5 grade

74%

4 grade

3 grade

2 grade

1 grade

23%

Sentiment Criteria

Value

Quality

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Donna Myers Manhattan, KS

This is the best company I have ever encountered. The people here in Manhattan as well as the people who call when you default a loan. I have been working on fixing my defaulted loan. Three weeks after my default. My 25 year old daughter was hospitalized for a liver condition. I had promised some kind of payment and couldn't make it due to her be hospitalized. They call 2 week later just to check on how we were. Never hounded me about my payment. Then promised again and in Dec I had a 7 bypass heart surgery. I get a call yet again in Jan after explaining my situation! She never asked me for my payment even though I was much better. I get a third call on 3/8/24. Was asked how I was. I said I know I missed my payment. The girl on the phone said, oh honey wasn't calling to ask about the missed payment I was seeing how you and your daughter are doing. Then I began to cry. This company to me is 100,% very customer oriented. I will always recommend anyone needing a loan. Best company ever. Go Lend nation.

8 months ago

Evad Eveer

Absolutely wonderful staff very well trained to handle all my money loan needs in and out in less than 10 minutes extra big parking lot for my RV to get in and out without any worries

5 months ago

Joshua

Kim at lendnation on glenstone in Springfield was Awesome I live out of town by an hr or more she walked me through the steps 🚶‍♂️ I've used lend nation in the past when in a pinch just paid my last loan off early saving me hundreds on interest she got me approved for more than what I needed even set up auto bill pay told me how I can save money in interest in this new loan she was awesome wish more stores and more people could be like Kim's ty Kim and ty lend nation being a disabled veteran I have to be careful of scams she kept me feeling safe and a great feeling to have a cornerstone like that

1 year ago

janet snellgrove

Excellent co. and workers from beginning a process to the end. The 2 workers there were very kind patient and helpful. Very knowledgeable of product and willing to go the extra mile to find you help.

6 months ago Edited May 22, 2024

Shonda Moore

Belinda From the Anniston Alabama office is one of your best workers. The building is clean they great you soon as you walk through the door with good mornings. Always smiling and gets me in and out.

Christian Feinberg Indianapolis, IN

Lending nation is a great place to get a loan from. If you have a job and a bank account you can apply for a loan. The customer service is great and I would not go to any other location for a loan. Loretta is it great employee that works at the Gravois and Jefferson location. She always gives customers outstanding service and I would recommend asking for her if you would like to apply for a cash or title loan. She is a great asset for Lending Nation.

Mary Aubuchon Kansas City, KS

I have always had a wonderful experience working with Angie & all of the other employees at Lend Nation in OFallon Mo. Very helpful at all times. If you ever have done loans before it is very nerve wrecking. However at Lend Nation you don't feel that way. You will always have the personal help & attention that comes with the process of receiving your loan. Angie & everyone else are always so kind & helpful. I wouldn't go anywhere else. So the next time your needing a loan please go to Lend Nation. No hassles just a great place with fantastic employee's who are always happy to help.

2 years ago

Tiffany Snow Dallas, TX

The ladies at this store was awesome . The level of expertise was emasculate customers over the roof made me feel as though I was borrowing from my family thank you so much Ms.Miranda and M.Tracy at Shreveport, LA it’s really hard to find the service I received today these days and I greatly appreciated it keep up the awesome work ladies Tiffany Snow

Donna Hayden Gower, MO

Mr. Cameron made it very easy and comfortable to acquire a loan with lend nation ! Customer service was outstanding and the loan went through within a matter of minutes I am very pleased with this company and thier employee, Cameron, Who made getting a loan with not a lot of signatures, paperwork, and just the regular hassle of getting a loan it was fast friendly and convenient and I couldn’t have done it without their employee, Cameron.! Thank you Cameron I will be coming back !

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Stacey Boutwell

Lendnation in troy alabama the lady named Jackie asked me on July 19 2924 at 6:27 to help her locate a 2014 Honda accord and I found the car for her and she said she would get in touch with the manager about a finders fee and I feel like I'm getting the go around about this and I need someone to contact me asap about this issue

3 months ago

Janice Romans

When you are low on cash just run over to Lend Nation and Bethany will take care of your needs... Bethany was so good to us and she made the process so easy for us! Thank you so much Bethany!

9 months ago Edited April 22, 2024

Christina Minneapolis, MN

I had the best experience Tina was not feeling well and the electric went out and she still handled my title loan with a smile. She was considerate and explained how she knew how it was to be on a budget that she was just like everyone else and it showed in her professionalism.

Maria Adams Tulsa, OK

I EXPERIENCED A ROUGH PATCH AND WITH AN AMAZING ANGEL AT STORE 1204 CHESTNUT HEARD THRU MY VOICE MY STRESS LEVEL AND CAME TO MY RESCUE HE FOUND A WAY TO GET ME BACK ON MY RIGHT PATH AND I AM FOREVER GRATEFUL. IF I COULD GIVE MORE THAN 5 STARS I WOULD. THANK YOU AGAIN TO KELIS AND STORE 1204.

Gary D Thompson Kansas City, KS

The staff at Lend Nation Carthage. Mo. are some of the best people we've ever worked with highly professional and friendly, if it were not for managers Shelly and Amanda we would have not been able to take care of some critical medical needs!! Thanks so much for being there!! A proud customer.

4 years ago

Misty Perry

Lendnation is great . Terry and Shelby are to great ppl. They helped me when I needed help . They go above and beyond to help everyone

joe watt Tulsa, OK

my mom Joanne and i Joseph watt went into lend nation showed them are paper work it was very easy to get a loan awesome company thank you to Krystal P in Tulsa for helping us out

Barbara Reagan Price, UT

I know the manager of the at 5400 south 3815 west, Taylorsville, utah. She is incredibly honest, ethical, and hard-working. I have nothing but great things to say about Andrea and Alexia.

3 years ago

Annette Freiburger

The ladies at the Kirksville location are awesome. They are easy to talk to, very helpful and very understanding.

Priscilla Gonzalez Houston, TX

I wouldn’t even put a star I feel like people that don’t know what their doing should not be working there especially 1st if they don’t know how to explain things 2nd no communication on the steps and 3rd money gets withdrawn from your account and whether on accident or supposedly cash was paid, they don’t know how it was withdrawn from your debit card this is crap. This is the third bad experience for a simple payday change. I hope others have a better experience for anyone else that chooses this company.

9 months ago Edited February 5, 2024

Camille Bailey Star, ID

Traci in Emmett was so awesome talking me through everything I needed to know instead of just trying to make money like so many places do amazing survive thank you!

Althea Gray

Went to warrensburge to pay on my title loan the lady working was very respectful and she even took time to wait for me to get there I really appreciate it.

Marcus Johnson

Candy and Jonna are the best in Kansas city independence area no one tops there service or how good they treat you. They prove that there are still good people.

Cassie Church MO

I like the cleanliness as I entered the building. Tammy was very friendly and polite. She didn't make me wait and didn't hesitate to help me with any questions I had.

Linda pick Seattle, WA

I have the best agents there are. Very friendly, and awesomely helpful they are my friends💓 the rates are reasonable, and I never have a problem with service.

Chikira Broadway Dallas, TX

LaKerra T very helpful with providing me with accurate information about services I inquired about. She was so sweet and understanding. Thankyou Again LaKerra

Sandra Taylor Middleton, WI

The Lend Nation Managers were very informative, Courteous, Patient and Kind. Very Helpful and Pleasant. I would highly recommend Lend Nation to anyone in need.

Veronica Martin Sacramento, CA

Krystal and Trisha at Blue springs 7 hwy store are completely amazing I love working with them it's hard to find good help keep them they need a raise

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.

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.

2 years ago Edited March 21, 2022

vaughn Louisville, KY

Always make me feel welcome. Very courteous people there, I enjoy coming in the Lend nation at 2101 Hikes lane Louisville, KY These are my people.

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.

David Horne

Lend Nation is always friendly to me and they help me understand things when I don’t know, Andrea & Sherie are wonderful

9 months ago

Annette Branson, MO

When we were having problem with repaying they talked us into refinancing the fees and interest making an even larger payment. The call not only use numerous times a day, but the references we listed. This was a six month loan turned into a 2 year loam at 250 every two weeks

Monica Shareece TN

I'm not sure what's the lady name in the Batesville office she's a very rude lady and she's NOT friendly at all this is the second time I've came looking for help and she have turned me around with little to no remorse at all and I'll NEVER come back as long as she's working here

11 months ago

Ben Angus Eagle Mountain, UT

What a joke the online application process has been. I have called them 4 times today with a total of 1.5 hrs on hold. Each time they were not clear on the documents, they said that they would call me back after reviewing my information and they never did. I had to call them back and be on hold again for another 30 minutes or so each time. I have used them a handful of times and I liked the experience except this one. Have not decided if I am going to finish my transaction with them yet or go to someone else due to this experience.

Zachary Anderson Indianapolis, IN

Pam was so Amazing. She helped me so fast and was squared away. Out within minutes and she was very helpful and knowledgable.

Kelli Farley

I am thankful for the lend in the Moscow Idaho store the two ladies in there were so sweet and settled me up quick and efficiently!

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!

Jada’s Tv Milwaukee, WI

I had the greatest customer service from this young lady ms.Jocelyn she was awesome , very nice and patient very hardworking keep up the work!!

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Tracy Waterman Marshall, MO

Don't do it! They claim there is no payoff penalty? What they fail to tell you is if you pay extra towards your loan payment, they keep it, they put the extra towards the interest and not the principal.

Scherry Pruitt Saint Ann, MO

THIS LENDER IS PREDATORY AND THE APPLICATION PROCESS IS A TOTAL WASTE OF ENERGY! IM GLAD I DID NOT GET A LOAN WITH THEM WITH A 300% INTEREST RATE. THE CUSTOMER SERVICE REPS CONTRADICT EACH OTHER. I AM CONTACTING THE CONSUMER FINANCIAL PROTECTIONS BUREAU ASAP!!

Cody Jackson Holly Springs, MS

They won't pay me pay owed to me. Over 200 dollars from April and the district manager text me saying she wasn't gonna pay me till I made my ex husband bring her his truck title. Like that has nothing to do with me. So I called the department of labor on yall.

Misty Martel Blue Springs, MO

Would not recommend this company ever. They made everything seem so very simple at the start and 3 hours later what a joke I already verified and re verified my information now they want some more verification. Not simple easy online process for a 300.00 loan

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!!

J Clark Fort Worth, TX

Lendnation on Shreveport Barksdale have an Amazing Staff and are very reliant. I will refer a friend!

Rome Manning Cedar Rapids, IA

The staff is very pleasant to me and always has a kind word every time I walk into the store. Great job!

Gregory T Watts Milwaukee, WI

application was fast and easy , they took care of me quickly so far as the rates are concerned,......that's life.

corrine castillo

Very understanding when I can't make payment

Tom Berry Carrollton, GA

Very nice and great service from the young lady.

BIG Daddy Denver, CO

Friendly fast service no waiting time. No hassle and left with my money good to go