LendGenius allows borrowers to find a cash advance offer through its user-friendly online form.
LendGenius provides a single form that connects with you with a potential lender.
It’s smart. It’s easy. And you can use it anytime!
Our online process is quick and easy to complete.
It usually takes just a few minutes to fill out.
Once submitted, you’ll receive a fast response.
There’s no risk. There’s no hassle.
If you aren’t satisfied, simply decline.
You must reside in the state where you choose to submit your request for the loan.
You must be 18 years old or older.
You must not currently be in the process of filing bankruptcy or must not have intentions to file bankruptcy upon submission of the loan form.
You cannot be an independent of a member of the Armed Forces who is on active duty, or you cannot be a regular or reserve member of the military or serving on active duty if it is for a period of 30 days or longer.
The military includes: Army, Navy, Marine Corps, Air Force, or Coast Guard.
You will need the following:
Yes, you can still qualify, but you must have proof of a steady income.
For example, alimony payments.
You can also be self-employed, retired or on disability, but the same remains true: you must have a source of income, which will be used to prove you can repay the loan.
Yes, you can still be approved even with bad credit.
In fact, some can even help rebuild your credit history.
To note, a credit check will be taken and it may have an impact on the terms of the contract.
A bad credit could limit the amount of the loan, too.
Yes, there are lenders that offer unsecured loans that do not require collateral.
You will be informed by the method you provide: email or phone.
When you fill out the form, you will provide bank account information.
The money will be deposited directly to the bank account.
Payment is due on the approved payday, which is specific to the state in which you live.
Upon approval of your loan, you will be advised of the due date.
You will be able to set up auto-payments.
You can also pay by mail or phone.
Terms vary, but there are usually no penalties for paying the loan back early.
Yes, there are late fees that will be applied to your account.
Yes, you will be charged APR and interest.
APR and interest fees will depend on which lender approves you, which lender you choose, and according to the laws of the state you live in.
We want to make life a little bit simpler for you, especially if you are in need of money and have bad credit. We offer an easy process that can connect you with a lender. Each lender will have their specific requirements and benefits.
You can choose us because unlike others, we offer simplicity and convenience.
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. Lendgenius.com is not a lender or lending partner and does not make loan or credit decisions. Lendgenius.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. Lendgenius.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Lendgenius.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Lendgenius.com’s service is always free to you.
This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Lendgenius.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
By submitting your information via this website, you are authorizing Lendgenius.com and/or lenders and lending partners in its network or other intermediaries to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and Trans Union, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Lendgenius.com to share your information and credit history with its network of approved lenders and lending partners.
Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.
Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78
Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.
In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Lender’s or Lending Partner’s Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. Lendgenius.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.