Help & FAQ

Checking your rate with LendWise uses a soft credit inquiry, which does not affect your credit score. Only you can see it on your credit report. A hard inquiry occurs only if you decide to proceed with a full application.

Our APRs range from 5.99% to 35.99%, depending on your credit profile, income, loan amount, and other factors. Our model evaluates your full financial picture, not just your credit score.

Loan amounts range from $1,000 to $50,000, depending on your financial profile and the loan product you choose.

After submitting your application, our system typically provides a decision within minutes. If approved, funds can be deposited into your account as soon as the next business day.

Our personal loans can be used for almost any purpose — debt consolidation, home improvement, medical expenses, major purchases, or unexpected expenses.

LendWise is currently available in 48 states. We are working on expanding to all 50 states.

LendWise does not charge origination fees, application fees, or prepayment penalties. You only pay the interest on your loan. Late payment fees may apply if you miss a payment.

If you miss a payment, a late fee may apply. We recommend contacting our support team as soon as possible if you anticipate difficulty making a payment.

Yes! There are absolutely no prepayment penalties. You can pay off your loan early at any time and save on interest.

You will need to provide basic personal information (name, address, date of birth, last 4 digits of SSN), employment and income details, and the purpose of your loan.