Desk-researched overview · Loan matching
LendYou: what to know before you continue
LendYou is a referral service with different amount figures on its homepage and detailed disclosures. We therefore treat its maximum as unresolved, not as a confirmed $2,500 or $35,000 offer. Its rates page also describes very high APRs for some loan types; the final lender contract is the document to compare.
Advertising disclosure. We may earn a commission when you use a partner link. We list selected partners, not every option. Default order is alphabetical, not a recommendation. How this works ↗
What the published figures tell you
A referral service with conflicting published amount limits and high-cost product disclosures. The lender decides the final offer.
Source: Provider homepage ↗. Provider statements describe what is advertised; they are not an independently verified borrower outcome.
The main limitation to resolve
Homepage mentions up to $2,500. Detailed disclosures describe up to $5,000 installment and $35,000 personal loans. They disclose cash advance APRs of 200%–1386%, installment 6.63%–485% and personal 4.99%–450%, potentially higher in some cases. Confirm the actual product.
Which decision this page can help with
This page serves readers checking a short-term referral service and its limitations. It does not imply that the larger amount in a disclosure is available to every visitor or that the homepage’s smaller amount is the only product.
Advantages and trade-offs
Useful published features
- The rates page distinguishes the referral service from the lender.
- It separately discloses rate ranges, automatic repayment and state restrictions.
Limitations
- Homepage and detailed amount disclosures differ.
- Some disclosed product APRs are very high.
- Restrictions and consent requirements can make the route unsuitable for a particular visitor.
State availability
The provider lists service exclusions for AR, NY, NH, VT, WV. Confirm the current list and product eligibility before applying.
Alternatives worth investigating
Other directory entries are research alternatives, not evidence of a cheaper offer or a separate lender network.
- The Lending Station: compare its separate published facts and limitations.
- BadCreditLoans: compare its separate published facts and limitations.
Also ask whether a direct bank or credit union offer, a bill-payment arrangement or postponing a nonessential expense could meet the need without this referral route.
A practical next step
Resolve the exact product and state availability before submitting. Then inspect the total owed and automatic-debit dates. A larger stated maximum does not offset a repayment obligation that would leave you short again at the next deposit.
CFPB: questions before an online loan ↗. This general consumer resource does not endorse this provider.
Questions about LendYou
Why is the maximum marked unknown?
The homepage and rates page describe different amounts and product scopes. We retain the conflict rather than choose the most appealing number.
Is there a free loan because registration is free?
No. Registration cost and lender borrowing cost are different. The lender agreement establishes the charges.
Sources and what remains unknown
| Primary source | What we checked |
|---|---|
| Provider homepage ↗ | Smaller advertised amount and stated basic restrictions |
| Rates and fees / material disclosure ↗ | Different product amounts, APRs, exclusions and automatic-debit description |
Source review: October 22, 2026. We have not verified typical approval rates, a personalized offer, lender licensing in your state, or actual funding performance. No financial-professional review is claimed.