Desk-researched overview · Loan matching
LendYou review: payday, installment or personal loan?
LendYou is a loan-connecting service for three kinds of loan from independent lenders: cash advance (payday) loans of $100–$1,000, installment loans up to $5,000 and personal loans up to $35,000. Typical minimums are age 18+, an account with direct deposit and income of at least $1,000 a month. It excludes active-duty service members and their dependents, and it warns that multiple credit inquiries can lower your score.
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Loan matching · Product-specific; can be very high
Homepage mentions up to $2,500. Detailed disclosures describe up to $5,000 installment and $35,000 personal loans. They disclose cash advance APRs of 200%–1386%, installment 6.63%–485% and personal 4.99%–450%, potentially higher in some cases. Confirm the actual product.
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Visit LendYou (partner website, opens in a new tab)Read the full overview firstThree products behind one form
| Loan type (LendYou’s descriptions) | Typical size | How it is repaid |
|---|---|---|
| Payday / cash advance | Usually under $1,000 ($100–$1,000 per its disclosure) | Backed by your next paycheck; term usually 30 days or less |
| Installment loan | $100–$5,000 | A set number of scheduled payments |
| Personal loan | $500–$35,000; fair credit needed | Longer term; can be used to consolidate debt |
Sources: LendYou FAQ (loan types, multiple inquiries) ↗, LendYou: how it works (requirements, material disclosure) ↗. A payday loan due in one payment costs far more per dollar than a longer installment loan — see installment vs payday loans. Ask which product an offer is before you sign.
Why active-duty borrowers are excluded
LendYou lists a requirement that you are not a regular or reserve member of the armed forces on active duty (or a dependent) under orders of more than 30 days (LendYou: how it works (requirements, material disclosure) ↗). That reflects the Military Lending Act, which caps the cost of most consumer credit to covered service members at a 36% military APR. Service members should start with the options in military and veteran loans.
Its own warning about multiple inquiries
LendYou’s FAQ notes that multiple inquiries to Experian, Equifax and TransUnion may lower your credit score and suggests registering for one loan at a time (LendYou FAQ (loan types, multiple inquiries) ↗). That is good advice for any matching site: sending the same request through several of them can multiply hard inquiries.
What lenders will verify
- Name, address, phone and employer or income source.
- Driver’s license and Social Security numbers.
- Bank account information.
- Lenders may check credit with the major bureaus or alternative providers and compare your details with national databases (LendYou FAQ (loan types, multiple inquiries) ↗).
Who LendYou may suit
Civilian borrowers with at least $1,000 a month in regular income who need a small amount quickly and will read whether the offer is a single-payment payday loan or an installment loan. The homepage figure of up to $2,500 and the disclosure’s $35,000 refer to different products; the lender sets your limit (LendYou homepage ↗).
LendYou: questions
Can military members use LendYou?
Not if they, or the person they depend on, are on active duty under orders longer than 30 days, according to its requirements.
What is the minimum income for LendYou?
$1,000 a month in regular income.
Who sets the APR?
The lender. LendYou says the lender’s offer will include the amount, fees, APR and repayment terms (LendYou: rates and fees ↗).
New to matching services? Read how loan matching services work first.
Sources and review date
| Source | Review |
|---|---|
| LendYou: how it works (requirements, material disclosure) ↗ | Checked November 12, 2026 |
| LendYou FAQ (loan types, multiple inquiries) ↗ | Checked November 12, 2026 |
| LendYou: rates and fees ↗ | Checked November 12, 2026 |
| LendYou homepage ↗ | Checked November 12, 2026 |
We have not verified approval rates, personal offers, state licensing or funding speed.