Flexible Loans for Life’s Biggest Plans.

Smart lending. Simple Borrowing

From home upgrades to debt consolidation, our secured and unsecured loan options are designed to give you flexibility and peace of mind.

Home Improvement Loans

Quick approvals in 24–48 hours – Transform your home with fast, reliable funding.

Debt Consolidation Loans

Fixed rates starting from 5.99% – Save up to 15% on interest and simplify your monthly payments.

Personal Loan Options

Up to $250,000 available – Flexible financing for your personal goals and unexpected expenses.

Find Out if Debt Consolidation
Can Save You Money

Enter your current debts, interest rates, and monthly payments
into the Debt Consolidation Calculator to see your potential savings.

Debt Consolidation calculator

Consolidation Rate (%)

Term (months)

Compare what you’re paying now to a single consolidated loan to see your potential monthly savings instantly.

Take the First Step Toward Financial Freedom

It only takes a few minutes to check your rate — with no impact to your credit score.

Check My Rate

📞 1-888-746-1860

Which Option is Best For You?

Secured Loans

Lower rates. Higher borrowing power.

Unsecured Loans

Fast, flexible, no collateral needed.

Why Choose Lend & Loan

Why Choose Lend & Loan?

Because borrowing should be simple, transparent, and built around your goals.

Flexible Loan Options

Secured and unsecured loans tailored to fit your unique needs — from small expenses to big projects.

fast & Simple Process

Quick applications and approvals, so you get funding when you need it.

Transparent Terms

No hidden fees, no surprises. Just clear, straightforward loan agreements you can trust.

FAQ - Lend & Loan Financial

Frequently Asked Questions

What types of loans does Lend & Loan Financial offer? ⌄

We provide personal loans, debt consolidation loans, and home improvement loans. Loan amounts range from $1,000 to $250,000, with flexible terms and no prepayment penalties.

How long does the approval process take? ⌄

Loan decisions are usually made within 1 business day. Once approved, funds typically arrive within 3–5 business days.

What credit score do I need to qualify? ⌄

We work with a wide range of credit scores, from 500–850. Applicants also need a debt-to-income ratio under 45%, verifiable income, and an active U.S. bank account.

Is Lend & Loan Financial accredited by the BBB? ⌄

We are not currently accredited by the Better Business Bureau (BBB). Our focus is on transparent terms, fair lending practices, and personalized customer support. While accreditation is not held, we are licensed, regulated, and have helped over 100,000 clients with financial recovery.

Will checking my loan rate affect my credit score? ⌄

No. Checking your rate is considered a soft inquiry and will not impact your credit score. A full credit check is only performed later in the process if you proceed with a loan application.

Testimonials

What People Say

I cannot say enough about how marvelous Nicole Aylward, Sr. Loan Specialist, helped me today. She was patient with me, listened to my whole hardship story that has evolved over the last 18 months. When financial alternatives that they offered would not work, she continued searching for alternatives that would and I hope will work for my situation (I truly believe these will). If there is alight at the end of this tunnel, I think it's name is Nicole.

Leslie Ottaviano

I was referred to this company by a friend and I’m so glad he did. The gentleman who helped me out was quick to provide a solution. What stood out was he listened to my concerns and was professional throughout the process. I was able to get a loan and now feel relieved I’m in a better financial position to make ends meet. Highly recommended!

Allen I

Great phone call. My representative was super nice. Got approved for $20000. Very happy with the service.

Eric