Lending Tower

Lending Tower Reviews

Lending Tower Reviews
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Overall Rating4.7 out of 5
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About Lending Tower Reviews

Lending Tower helps connect people to debt consolidation loans from a variety of lenders. The company streamlines the loan application process, reducing paperwork for its clients and helping them receive multiple plans at once. A trained consultant is available 24/7 to review each option's terms with applicants. Lending Tower helps connect people to lenders, regardless of their financial history.

Pros & Cons


  • Partners with reliable debt relief companies
  • Has a clear lending policy
  • A trained consultant explains the terms


  • Website has limited information
  • Terms and requirements vary based on the lender

Bottom Line

Lending Tower is a broker that helps connect people to debt consolidation loans from its trusted lenders. The company’s online presence is limited, so you’ll need to call to complete an application. The terms and requirements vary between lenders and are based on your creditworthiness.

Featured Reviews

Milford, CT

I made a phone call about a loan, the process was simple and easy. Great company to deal with. Highly recommended! The deposit was very fast. I also received follow up phone call ...

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Blanchardville, WI

I just wanted to take a moment to say how easy and wonderful my experience was. It was fast and easy. It was all done over my computer and I got great results within just two week...

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What is Lending Tower?

Lending Tower works with lenders nationwide to offer multiple debt consolidation loan options. It employs consultants to guide you through the process, going over each offer with you to help you choose the best one for your needs. The company has 24/7 customer service, so you can call any time to apply or ask questions.

With a clear lending policy in place, Lending Tower ensures each of its employees is non-discriminatory. The Quality Control Manager regularly reviews the company’s lending practices to ensure it offers equal lending opportunities.

How does Lending Tower work?

The first step in getting a debt consolidation loan through Lending Tower is to complete an online application using an access code. If you don’t have a code, you must call the company to begin your application process. You can also use this access code to check the rates you qualify for with no impact to your credit score.

Once you answer some basic financial questions, the company uses those details to connect you to lenders who can offer you debt consolidation loans. Since the loans are issued through other financial institutions, loan terms and conditions may vary; make sure to carefully review those from each individual lender.

After you've reviewed the terms and conditions and selected a lender, you'll sign the loan agreement. Funds are usually deposited into your account within 24 hours after approval.

Lending Tower rates

Since Lending Tower is not a direct lender, the terms and rates of your loan depend on which company you accept an offer with. It also depends on other factors, such as your:

  • Credit score
  • Length of loan
  • Amount of loan
  • Company-specific underwriting criteria

As of this writing, the rates on loans from Lending Tower partners range from 7.99%-29.99%. The higher your credit score, the better rates you can typically receive.

Lending Tower FAQ

How soon can I receive funds from Lending Tower?

Once your loan is approved, you’ll typically receive funds within 24 hours.

What are Lending Tower loan terms?

Since Lending Tower does not issue loans, the rates and terms you'll receive depend on the company you use for your debt consolidation loan. However, the company indicates that it can help you get a 24-, 26-, 48- or 60-month loan. The 24-month features the lowest overall cost, while the 60-month option has the lowest monthly payments.

Where is Lending Tower available?

While Lending Tower is licensed as a finance broker in California, it partners with lenders in all 50 states.

What loan products does Lending Tower offer?

Lending Tower doesn't offer any loan products. Instead, you'll answer a few questions and the company will use that information to connect you to a direct lender for your debt consolidation loan. 

Is Lending Tower legit?

Lending Tower became a licensed financial broker in 2022 and has no complaints registered with the Consumer Finance Protection Bureau or any pending legal actions. It currently acts as a broker for unsecured personal loans and debt consolidation loans, and if you're looking for a way to compare different loan options, Lending Tower might be a good option.

Although you can check your rates for free, you'll need to call the company to get started if you don't have an access code for the online application. Additionally, since there isn’t much information about loan terms and conditions online, you’ll want to read the paperwork for each loan carefully before you sign.

Lending Tower Reviews

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Customer ServicePunctuality & SpeedOnline & AppStaff

Reviewed Sept. 16, 2023

I went to other lenders and they said because of the negative marks on my credit record that they would not loan me the money I needed. I looked online and got an email from Lending Tower. I went through the process and they gave me a loan. They were the first ones to come up after a few days so I went with them. The application process was super easy and simple, online. I got an answer within a day. It was really a relief because that enabled me to hire the movers and get a new lease and pay all the security deposits.

They were the easiest to work with. They didn't require a lot of paperwork. Based on my credit record, they would loan me this amount. I was more than happy to work with them. Customer service kept me informed after I did the application. They kept me informed where they were at. They sent me emails saying, "Okay. We're at this stage. And you should have a decision by tomorrow." It was really awesome. I didn't have to get anxious about, "Oh, okay. I filled out this application, and now nobody's gonna get back in touch with me."

Lending Tower saved my life. I live in Arizona and it was about 118. The AC was not working in that house. I'm disabled. I was going through anxiety. I have a little dog and she wasn't taking the heat very well either. We had to move very quickly. Lending Tower took care of me the whole way. They put the money in my bank account and I was able to use it right away. I was just so happy and relieved. I found a beautiful house just two miles away. They work with me really well too. Everything just kind of fell into place for me.

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    Verified purchase
    PriceOnline & AppProcess

    Reviewed Aug. 20, 2023

    The application at Lending Tower seemed straightforward. I filled out the brief summary of personal info and submitted it. There were no glaring issues that I would improve in the process. It was also quick to see the matches. It came up in a matrix that listed a variety of variables from borrowed amount, payment return date, and associated interest rate. And I just selected what I needed.

    I liked that they gave me a variety of different lending amounts. I had a value in mind I was looking for, but they gave me some smaller amounts with different interest rates and higher amounts with different interest rates. So, I could make a personal decision whether I only needed a little bit or I could gauge what my lending amount was and what associated rate I wanted with it. I really liked the matrix they gave me. The entire process, as far as what I needed to be involved with, took half an hour. I liked how fluid the process was, enough that I may pursue it more in the future with other projects, just as far as the simplicity of it. Definitely, I'm satisfied.

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    Verified purchase

    Reviewed July 29, 2023

    It was a very easy loan process. Lending Tower's reps were nice to me. And that's important to me because people can be mean even though they're lending money. I was very happy with that process. I liked how fast I got the money and how easy it was to sign up and get the auto-pay. And even though I'm on auto pay with the minimum amount, I still feel good about that because there's an end date to my loan, and if I paid that amount on my credit cards, there would never be an end date. So, this is awesome. It took much stressors away. I was able to just throw the money on my credit cards and get them all consolidated into this loan package. Lending Tower saved me thousands of dollars.

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    Customer ServiceContract & TermsStaffReliability

    Reviewed June 8, 2023

    I was running into some financial hardship. My wife is in recovery from Stage IV ovarian cancer and wasn't able to work, so we're getting a little behind on things. I was trying to consolidate debts. I decided to apply for a loan through Lending Tower. There was a link to fill out the forms. I put the request in the evening, and by noon the next day, I got matches. I had five options. Three of them were with Upgrade and there were different lengths of terms but I didn't feel like I was restricted to one option. Lending Tower is very reliable. They provided the information and were willing to take the time to explain everything, and explained the different options and how that would affect me.

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    Verified purchase
    Customer ServiceContract & TermsPunctuality & SpeedStaffProcess

    Reviewed May 23, 2023

    My experience with Lending Tower was easy, and everybody that I spoke to was really professional. It was a really quick process. It took about five days. Everything went perfectly for me. Every time I had to call them or talk to them on the phone or by email, everything was prompt. I got several different loan options, and I got to pick the one that I thought was best for me out of all of them that they gave me. That was a plus. I knew exactly what I wanted, and they were able to fulfill what I wanted. If my friends needed to do what I needed to do, I’d tell them to try Lending Tower.

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    Lending Tower
    Response from Lending Tower

    Thank you for taking the time to share your Lending Tower experience with others. We’re happy that your experience was timely and helpful!

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    Customer ServicePrice

    Reviewed Sept. 16, 2023

    Lending Tower sent me something in the mail saying I qualified for a loan so I followed up with it to see if I could get it. I called the number and talked to the guy, and he sent me a text message letting me know if I was approved or not. It was easy. But I don't like how much I have to pay monthly. The interest rate is high.

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    Customer ServiceContract & TermsPunctuality & SpeedProcess

    Reviewed Sept. 15, 2023

    The process was fast and easy, and it didn't take much work to complete. I filled out an application online and answered a couple of questions. I uploaded the documents that were needed, signed everything online and had an answer within a couple of minutes. Lending Tower connected me with Upgrade, and I was able to receive the funds within two to three days. The rates and terms were good too. They were comparable to the other types of rates and terms I've experienced with loans.

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    Customer ServiceStaff

    Reviewed Sept. 14, 2023

    Lending Tower sent me a letter in the mail and it had a pretty good rate on it. I applied over the phone and they walked me through an online portion. The process was pretty quick and the customer service team was great. They were cordial and thorough.

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    Punctuality & SpeedOnline & AppStaff

    Reviewed Aug. 19, 2023

    The application process at Lending Tower was fast and easy. It went well. The rep was very helpful in giving suggestions or presenting the different options.

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    Verified purchase

    Reviewed Aug. 18, 2023

    We wanted to reallocate and get a lower interest rate, so we applied for a loan online and everything was really smooth with the website. I enjoyed it, and we got a match the next day. Initially, there was a lot of options. A lot of them didn't make a whole lot of sense, but then we found one that did. I would definitely recommend friends to check out Lending Tower. It seemed to be an easy process and we got a fairly good result from it.

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    Lending Tower Company Information

    Company Name:
    Lending Tower
    Company Type:
    Year Founded:
    5000 Birch St suite 3000
    Newport Beach
    Postal Code:
    United States