LendingUSA exists to provide smart financing solutions at the important moments in life. The money people need, when and where they need it. LendingUSA is an award-winning point-of-need fintech company that offers merchants and borrowers a seamless financing solution with access to loan decisions in seconds, promotional financing terms, and low monthly payment options. Founded in 2015, LendingUSA has enrolled over 10,000 merchants nationwide, served over 150,000 borrowers. LendingUSA is committed to creating the best lending experience available through its proprietary and innovative point-of-need financing solution, that uses next-generation underwriting and fraud detection techniques to approve loans as quickly as a few seconds. We also work closely with our merchant partners, providing the tools and training they need to maximize customer financing and grow their business. The company boasts a consumer rating of 4.7 out of five stars. All loans are made by its lending partners.