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Tanicia was very knowledgeable & friendly! She demonstrated leadership and answered all my questions and was very prompt for taking my call. Tanicia sent my emails to me to keep me updated on pay schedules & advised me to try to make as many payments to keep interest down to stay in good standing. Way to go. This showed dedication for her work & job. Thank you Get lendly reviews

Lendly Reviews

I was recently laid off and needed to realign my relationship regarding my loan. Steve was knowledgeable on the options available and worked quickly to get my issues addressed. He was very pleasant and didn't treat me like a bad person though I had a payment return on my account. I am so happy Steve was the rep that answered my call today.

Date of experience : 10 October 2022

Reply from Lendly

Thank you for sharing this with us! We believe we have the best agents in the business and we're happy to hear it shows! Welcome to Lendly!

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Steve Got Me Sorted!

Steve was really helpful in terms of getting me back on track without giving me more than I could manage.

I usually assume that these kinds of conversations will be stressful, but Steve was friendly and helped me find a way to catch up without over-extending myself.

Date of experience : 12 October 2022

High 5 to Dave Pelfrey!

Dave Pelfrey has excellent customer service. He was very helpful. When I first received my loan from Lendly I was in a very good job, and the payment for my loan was coming out of my paycheck weekly. but recently I lost my job, and had no clue how to get in touch with Lendly or figure out how to make my payments until I heard from Dave. Kudos 2 U Dave for helping me out, and being so professional at your job! Also, for your patience and your expressed concern for me having lost my job just when the payments were due.

Date of experience : 05 October 2022

Reply from Lendly

Thank you for your review! We're so happy to hear our team went above and beyond - it's what they do best! If there's anything else we can do to assist you, give us a shout. We're here to help!

Lindsey Gay was the best and very patient while I tried to get the bank change doc signed and sent back to her.

Lindsey Gay was very very helpful with helping me update my banking information. I recently lost my mother and I live in Minn she was living in Arizona, so selling her home and getting the estate settled, I forgot to update my banking info. But it is done now with Lindsey's help.

Date of experience : 07 October 2022

Reply from Lendly

Thank you for sharing this with us! We believe we have the best agents in the business and we're happy to hear it shows! Welcome to Lendly!

I called extremely stressed…

10/6/2022- I called extremely stressed and concerned that I would not be able to restructure my payments due to a company arbitration. I was transferred to Steve and he was such a great help! He was very kind and considerate. Steve walked me through everything, and changed my account to fit my new transition. I feel at ease now.

Date of experience : 06 October 2022

Reply from Lendly

Thank you for your review! We're so happy to hear our team went above and beyond - it's what they do best! If there's anything else we can do to assist you, give us a shout. We're here to help!

My 1st and Last time

The overall experience was, inconvenient, misleading, and time consuming.

I understand that you "help" ppl with bad or no credit, but you interest rates are RIDICOULOUS and unfair.

Date of experience : 03 October 2022

Reply from Lendly

"Thank you for your feedback. While we understand that our rates may be higher than some traditional lenders, we're confident that our rates are competitive among other emergency cash providers.

With Lendly, you receive clear, up-front pricing, prior to accepting your loan. Our goal is to always be transparent with our customers, so there's no surprises. If you'd like to discuss your particular loan in more detail, please don't hesitate to give us a call at 1.844.4LENDLY (1.844.453.6359)."

Lendy is great

Lendy is great . Easy to understand and use application. It also allows you to renew after a certain time. Which works out great when you're in need of more money. I have had no trouble with Lindy at all it's been easy to renew and to do things. I would recommend it to everyone.

Date of experience : 27 September 2022

Reply from Lendly

Thank you for your review! Lendly customers are the best and we're dedicated to making sure you have the best experience possible.

I was in a bind and while yes I get the…

I was in a bind and while yes I get the interest rate but again I was in a bind. Super fast and every single representative (3) I spoke to through the process was so nice and extremely helpful.

Date of experience : 04 October 2022

Reply from Lendly

Welcome to Lendly! Hearing about your experience made our day! We're are so happy we were able to help you in your time of need.

EXCELLENT SERVICE

Omg. Jaye was so helpful. She did step by step with me to get my loan approved. Awesome,Friendly, Courtesy and listened to me. Best ever customer service. Give her a raise. Thank you.

Date of experience : 04 October 2022

Reply from Lendly

Thank you for your review! We're so happy to hear our team went above and beyond - it's what they do best! If there's anything else we can do to assist you, give us a shout. We're here to help!

I applied for a loan and was approved quickly

I applied for a loan and was approved within the hour of my completed application. when I had issues and called they were able to help me through the process and walk me through it twice. money was deposited the next day.

Date of experience : 30 September 2022

Reply from Lendly

Thank you for leaving a review! We love hearing what you have to say and appreciate you taking the time to share.

Lendly has helped me tremendously

Lendly has helped me tremendously. I also want to that Chinah Jackson who helped make everything work out! Her customer service was 5 stars and I am glad I got to work with her.

Date of experience : 05 October 2022

Reply from Lendly

Thank you for sharing this with us! We believe we have the best agents in the business and we're happy to hear it shows! Welcome to Lendly!

I'll leave a good review if I get…

I'll leave a good review if I get approved. How to get the money is different from other loan company but will update this review if everything goes well.

Date of experience : 06 October 2022

Reply from Lendly

Thank you for leaving a review. We are unable to locate an application for you for a Lendly loan with CCBank. While there are many scams out there, Lendly loans have helped over 100,000 borrowers get the cash they need. If you have any questions regarding Lendly loans, please call 1.844.4LENDLY (1.844.453.6359).

The best customer service

It went really smooth. Explained step by step instructions, and customer service was excellent! Customer service is a 10 outta 10.

Date of experience : 02 October 2022

Reply from Lendly

Welcome to Lendly! Hearing about your experience made our day!

Fast responses, easy process, and super quick funding!

Supervisor Jordan at Lendly was super pleasant, knowledgeable, and made me feel appreciated and heard. I have been working with Lendly for about 3 yrs now and I believe this vis my 2nd refinance with them. Each experience was stress-free and easy and I couldn't be happier with them. They have come through in each of my times of need and delivered quick responses and funding. I have recommended them to multiple people at work, and every single one of them received the funding they needed with their job at Kroger being the only requirement. Thanks Lendly! Not all heros wear capes.

Date of experience : 27 September 2022

Reply from Lendly

Thank you for your review. With a Lendly loan from CCBank, you'll get more than just great rates. Our goal is to provide the best customer experience possible. We believe that everyone deserves access to high-quality loans and that includes top notch customer service.

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Lendly Review

Lendly is a personal loan lender that offers loans of up to $2,000. Unlike other lenders, Lendly looks past your credit score for the most part and looks at your employment history when deciding to approve your loan application or not.

Who is Lendly?

Lendly is a company that offers loans of up to $2,000 to its customers. Lendly is an "authorized servicer" of a bank called CCBank, which means you are essentially getting a loan from CCBank and Lendly is the middleman.

According to their website, from being in the loan space for 25 years, Lendly was able to see firsthand how so many Americans needed financial assistance but were unable to find loans that did not break the bank.

Lendly is right. Tens of millions of Americans live paycheck to paycheck where they have to constantly prove their loan worthiness especially when they do not have fantastic credit scores. As such, as an employee, they are forced to turn to loans like payday loans that are both expensive and difficult to pay back.

Lendly seeks to combat this by creating a loan that does not follow traditional underwriting methods. Instead, it allows borrowers to get loans based on their employment instead of focusing on other factors like your credit score.

Lendly’s Loans

Lendly’s loans and the process of getting these loans is something that you won’t find at most other small personal loan lenders. Overall, some features of Lendly’s loans make it a great loan product to use for those with immediate financial needs, while some negative drawbacks to the loan might make you think twice about getting the loan. Let’s dive deeper into some of the most important elements of Lendly’s loans.

How Lendly’s Loans Work

Your loan application should not take more than 10 minutes or so. Once you have seent in your application, it will take around a day before you get your decision back.

If your loan is approved with Lendly, you will likely get the loan amount in your bank account the next day. Worst case scenario, the money should appear within your account three days after your loan is approved.

Once you get your loan, you begin paying it back immediately. With Lendly, the payments for the loan are automatically taken out of your paycheck through direct deposit instead of it becoming something you owe, which is how most other loans work. This may seem bad, but it really helps to prevent Lendly’s customers from failing to make a payment and from their credit score taking a hit as a result.

However, this repayment method does not comply with every state’s legislation. Depending on the state you live in, and what company you work for, you might repay your loan with an ACH direct debit.

Repayments are made bi-weekly, and their amounts vary depending on how large your loan is. As you make payments, Lendly reports to Experian, which can help t build your credit score . If you want to, you can pay your loan off early without penalty.

In need of money? Get a loan with Possible Finance today.

Loan Approval Process

Lendly’s approval process is arguably what separates them the most from other loans from competitors. The main difference between Lendly and their competitors comes in the loan underwriting process, or how Lendly decides whose loan application gets approved.

Most lending institutions mostly rely on your credit report and credit score when deciding whether to lend to you or not. Lendly, on the other hand, places much more emphasis on your current employment. Lendly values hard workers and feels that anyone who is a hard worker should have access to good loans.

To be eligible for a Lendly loan, you need to have been working at your current job for six or more months. If you try to get a loan with anything less than this, you will automatically get your application denied.

While Lendly doesn’t put a huge emphasis on your credit score, they still take a look at it. If you meet the employment criteria but you have a bad credit score, there is no guarantee you will get your loan approved.

Loan Amounts

The maximum loan amount you can get with Lendly is $2,000. However, this does not mean that if your loan is approved, you will get $2,000. If you apply for a $2,000 loan, you may only be approved for less than the desired $2,000, depending on some other factors.

Lendly’s minimum loan amount is $1,000, which is unfortunate. Even if you want to borrow less, Lendly will only let you borrow $1,000 or more. Lendly mentions that since there are no early repayment penalties, you can pay off some of your loans to lower your loan amount. However, you may still have to pay some interest.

Overall, your loan amount options are very limited with Lendly. If you want a loan for less than $1,000 or more than $2,000, you are better off looking elsewhere than with Lendly.

Loan Terms

Lendly’s loans have varying loan terms depending on how large your loan amount is and what repayment schedule you decided on. Whatever the case is, you will be making your payments bi-weekly. Since the payments are automatically deducted from your paycheck, the payments are made every two weeks on your payday.

Lendly’s loans tend to have a lower interest rate than most payday loans. However, this is not saying much. Lendly still has fairly high APRs, which tend to range from 99% to 199%.

While this high APR is in some parts related to how soon the loan is paid back, it is mostly due to how expensive the loan is. Thankfully, while the loans tend to be expensive, Lendly claims they do not charge any additional fees, which is something that most other lenders do.

While still not as expensive as many competitors, Lendly’s loans are expensive enough that it might be in your best interest as a potential borrower to shop around for loans that are not so expensive.

Is Lendly Legit?

Overall, Lendly is a legit lender that offers legitimate loans that are backed by a legitimate bank. A huge concern when getting a loan is whether your lender can be trusted and if your information is safe with your lender. Both of these are true with Lendly.

Lendly claims that your information is extremely secure and that your information will never be sold for money. They also claim they will not constantly spam you once you have given them your information. However, there is slightly more under the hood than Lendly talks about.

Lendly Shares Your Information

Lendly claims they do not sell your information. While this is good, this does not mean that they are not still sharing your information with others. Lendly collects and shares some of your personal information depending on what product you are getting with lendly.

According to Lendly, this personal information that is shared includes your Social Security number, your account balances, your payment history, your transaction or loss history, your credit history, and your history of overdrafts. This is not a great thing to hear. Further, Lendly doesn’t exactly tell you where this information is going either, which is fairly sketchy.

Lendly reports that your information is shared for "transactional purposes, marketing purposes (offering you products and services) and joint marketing with other financial institutions."

Unfortunately, you cannot limit this information. Agreeing to get a loan with Lendly means agreeing to let Lendly share this information. Even worse, Lendly reports that even when you are not their customer anymore, they will still continue to share this information, which you cannot limit.

While Lendly is a legitimate loan product that can be trusted, your information may be used by Lendly in ways that you are not comfortable with. If you want a Lendly loan, you cannot do anything about it, unfortunately.

Pros and Cons of Lendly Loans

Unsure if you should get a Lendly loan still? Let’s look at the pros and cons of Lendly’s loans to make this a little more clear.

Don't only consider credit scores: Most lenders look at your credit score and credit history to decide if your application should be approved. Lendly goes against the grain and instead values your employment history more. If you have been working at your job for more than six months, there is a strong chance you can get a loan with Lendly. Lendly values hard work and has created a loan product to help hard workers in need of money.

Money comes quickly: Loans from lenders like banks and credit unions can take a long time between applying for your loan and getting your loan amount deposited into your bank account. With Lendly, this entire process can take as little as two days. If you are in need of money quickly, Lendly can be a good place to look.

No repayment penalties: Many lenders, payday loan lenders, in particular, charge their borrowers ridiculously high fees if they pay their loan back earlier than it was originally due. Lendly sees the problem with this and does not charge their customers anything for repaying their loan faster than required.

No additional fees: Many lenders charge a ridiculous fee in addition to their interest that makes their loans extremely expensive. Since these fees are rarely calculated in the APR for the loan, they can blindside you and make your loan much more expensive than you initially imagined. Thankfully, Lendly does not charge any such fees.

Can build credit: Paying back your Lendly loan builds up your payment history. As your payment history gets better, your credit score can increase as a result. Successfully paying off a Lendly loan is a great step if you are trying to rebuild your credit score.

Must borrow between $1,000 and $2,000: Lendly has a minimum and maximum loan amounts that frankly do not make much sense. If you need any more than $2,000 (which you may not even necessarily be approved for), Lendly cannot help. If you only need a few hundred dollars, you again are out of luck with Lendly. Other lenders offer a much greater variety in loan amounts than Lendly.

Only available in certain states: Most likely due to state regulations, Lendly is only available in 23 states. These states are Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, New Mexico, North Dakota, Ohio, Oklahoma, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming. If you do not live in one of these states, you cannot get a loan with Lendly.

No repayment extensions: Lenders like Possible Finance allow you to easily extend your payment date up to 29 days without any fees. This is not the case with Lendly. If you are struggling to make a payment and need a little more time, Lendly will not give it to you. As a result, you may fail to make the payment which can cause your credit score to take a big hit.

Only reports to Experian: While Lendly does report your payments to credit bureaus, they only report to Experian. This means that paying back a loan with Lendly will only impact your credit score with Experian and will not have any effect on your credit score from Equifax and TransUnion. If you are trying to build your credit, this is an unfortunate thing.

Your information is shared: Lendly does not sell your information. However, they share it with other institutions, and they are not specific to who these institutions are. Even worse, you cannot choose whether your information is shared or not. Additionally, even after you are no longer a customer with Lendly, your information is still shared. If you are concerned about the security of your sensitive information, you may be slightly worried about getting a loan with Lendly.

Lendly Alternative: Possible Finance

Here at Possible Finance, we feel that we offer a superior product to Lendly that can help you if you need cash. We offer loans that are $500 and smaller, and we do not check your credit when you apply for a loan. Your loan can be approved in minutes, and you can get your money deposited into your bank account within the hour!

If you are struggling to make a payment, you can extend your payment up to 29 days right within our app. As you make payments, we report your payments to Experian and TransUnion, which helps build your credit score, which is why we call our loans credit builder loans.

Interested in getting a loan with Possible? Download our app today and get started!

Michael Collins

Michael has a passion for writing and brought that passion to Possible. He enjoys reading everything there is to know about film, sports, and finance. His studies in college have allowed him to be on the forefront of business knowledge so he can better inform his readers.

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