LendGenius Review

ByBestmoney StaffNov. 15, 2020

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In a Nutshell

LendGenius is an online loans search tool that specializes in connecting users with small personal loans. While rival marketplaces focus on personal loans of all sizes, LendGenius goes where many of the others don’t and focuses on $1,000 to $35,000 loan amounts. It works with a network of partnering lenders to find users the best rates.


  • Quick, simple application
  • Next-day funding
  • Personal loans for all purposes


  • No loans exceeding $35,000
  • High APRs
  • No customer service

LendGenius at a Glance

Loan typesUnsecured personal loans
Loan amount$1,000 to $35,000
Repayment terms24 - 60 months
APR3.99% - 35.99%
Best forGetting a small personal loan of around $1,000

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Best For?

This service is useful for anyone who’s looking for a small loan amount and wishes to compare lenders before making a decision. LendGenius only shows you lenders that provide loans in the $1,000 to $35,000 range. By using its service, you save time filtering through lenders that don’t offer your desired loan amount.

Range of Loans on Offer

LendGenius offers unsecured personal loans with small loan amounts, through partnering lenders. While it only offers one type of loan, these loans can be used for a variety of purposes including:

  • Debt consolidation
  • Credit card consolidation
  • Major purchases like furniture, appliances, electronics 
  • Business loan
  • Car financing
  • Green loan
  • Vacation
  • Wedding
  • Medical expenses

The Application Process

LendGenius’ online form is a little longer than those we’ve seen at some other loans marketplaces. Nonetheless, the application is still a lot shorter than you’ll get with brick-and-mortar lenders. All up, it shouldn’t take you more than 5 minutes to complete the form, and at the end of it you’ll get to see pre-qualified rates for multiple lenders. Funding is next day.

Here’s what you’ll need to fill out:

  • Loan amount
  • Loan purpose
  • Name and contact details
  • Estimated credit score
  • Date of birth
  • Yearly pre-tax income
  • Home address
  • Details about home ownership or rental and how long you’ve lived at your current address
  • Any military service
  • Details about any ownership, plus license number
  • Employment status, time in employment, employer name and phone number
  • Details about how your employer pays you, how often, and your next pay date
  • Details of bank account where you’d like funds deposited
  • Social Security number (LendGenius promises this won’t impact your credit score)

Once you’ve filled out the form, LendGenius will show you a list of suitable lenders. Simply follow the prompts to complete a personal loan application from your preferred lender. This may require you to provide additional information. Your direct lender may run a hard credit check affecting your credit score.

How Much Can You Borrow? 

As mentioned, LendGenius only works with lenders offering small loan amounts in the range of $1,000 to $35,000.

Loan Requirements 

Requirements vary between partnering lenders, but typically include the following:

  • Must be 18 years of age
  • Must be a US citizen or resident
  • Proof of income
  • A valid US bank account
  • Must meet minimum credit requirements

Repayment Terms

LendGenius works with multiple lenders, each of which set their own interest rates and repayment terms. According to LendGenius, APRs can reach up to 36%, which is on the high side for personal loans lenders. It doesn’t say anything about the minimum APR. Given the focus here is on small, short-term loans, it’s reasonable to assume that even the lowest LendGenius rates will be higher than those offered by the larger loans marketplaces. Repayment terms range from 24-60 months, which is shorter than average for personal loans.

Privacy & Security

LendGenius is only a platform and not a direct lender. It has all the necessary security protocols in place on its website, including SSL encryption. Note that LendGenius’s service revolves around connecting users with third parties. Therefore, when you provide your details to LendGenius, it shares it with partnering lenders. Some of LendGenius’s partners straddle the line between personal loans and payday loans, so we do recommend being cautious when choosing from its list of recommended lenders. 

Help & Support

LendGenius is a purely online business and doesn’t offer any customer service beyond its website. It does have an email address, support@lendgenius.com.

How LendGenius Compares

APR3.99% - 35.99%
2.49% - 35.99%2.49% - 35.95%
Minimum credit scoreVaries680None
Loan amounts$1,000 to $35,000$1,000 to $100,000$1,000 to $50,000
Loan term24 - 60 months24 - 84 months3 - 180 months
Best forSmall personal loans for any purposePeople with strong creditComparing variety of loan options

LendGenius specializes in connecting users with lenders that offer small amounts. This sets it apart from some of the larger marketplaces, which offer a much wider range of loan amounts. LendGenius’ model has advantages and disadvantages for the user. It’s best used if you’re specifically looking for a small loan amount of close to $1,000 and don’t want to sift through dozens of lenders that can’t cater to your needs.


LendGenius is really focused on one thing: small loan amounts. If you’re looking for a small loan amount for any purpose, LendGenius can save you time and energy by helping you pre-qualify for multiple lenders with one simple online form. Applying through LendGenius takes only a few minutes, is easy to do, and won’t cost you a dime.


Who operates LendGenius?

LendGenius is owned and operated by Lend Genius, LLC, a Wyoming entity that is registered to do business in CA.

Does LendGenius underwrite loans?

No. LendGenius is purely an online platform that connects you with direct lenders.

Will this affect my credit score?

LendGenius only runs a soft credit check which won’t affect your score. Once you connect with a direct lender, that lender will likely run a hard credit check that does lower your score.

What else does LendGenius offer?

LendGenius has a partnering website offering business loans that you can connect to via its personal loans platform.

Physical Address

Leads Advertising LLC

21600 Oxnard St, Woodland Hills

CA 91367

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