Lending Tower

Lending Tower Reviews

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Written by Lorraine Roberte
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About Lending Tower

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
  • Partners with reliable debt relief companies
  • Has a clear lending policy
  • A trained consultant explains the terms
Cons
  • Website has limited information
  • Terms and requirements vary based on the lender

Featured Reviews

Milford, CT
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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
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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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    Page 1 Reviews 0 - 5
    Verified purchase
    PricePunctuality & Speed

    Reviewed Dec. 12, 2024

    I was building up credit card debts, so I wanted to get ahead of it before it got too crazy. Lending Tower sent me a postcard in the mail and who I already banked with wasn't necessarily an option because they were considering it too high risk. So, I ended up going with Lending Tower because they had some pretty good interest rate. Their loan process was quick and straightforward. I did it online and there was a couple little parts that were confusing or that wouldn't work. So, in all totality, it took me about two hours to finish. I liked that they had a bunch of different options that I could look through all at once because I was able to compare prices and really consider them into my budget.

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      Customer ServiceOnline & AppStaff

      Reviewed Nov. 20, 2024

      Everything went really smoothly with Lending Tower except for my wife also applied at the same time and they kept confusing the two accounts. I had a little bit of trouble with their website. Once we got that straightened out, there were no problems. The customer service was great. They were helpful, took care of everything they needed to, and helped me get through everything. I wasn't able to get through it because my wife had already been on there. So, there was confusion between the two. They kept mixing the true-up between the two that I wasn't able to use it online. So, I had to talk to an agent. Lending Tower is a good place to go through. They're easy to work with and they came through with everything they said they would. They gave me a $25 gift card for recommending them.

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      Response from Lending Tower

      Thank you for your feedback, and we’re so glad to hear that everything went smoothly. We’re happy to know our customer service team was able to assist you and resolve everything. We’re committed to making our process as seamless as possible, and your input helps us improve. Thank you for recommending Lending Tower, and we hope to serve you again in the future!

      Verified purchase
      Customer ServiceStaffProcess

      Reviewed Oct. 24, 2024

      When I first called Lending Tower, the rep told me what my percentage was gonna be. When I went into my credit union, they couldn't give me the same rate. I questioned if the rate that the rep gave me was gonna be correct. When I texted the main guy to call me back, he was so personable and responsive. He said, "That's what the rate should be. Let me know if it's not and we can work with you."

      When I applied for the loan, it came back with the same rate that the guy on the phone had originally given me. It was amazing. The process was super easy. I had to figure out if I wanted to do it but once I hit the go button, it took less than a day. They sent me a text saying that I was approved. They also told me to pick a date when I wanted the funds in there. I picked the date and it was the next day that the money was there. It helped me so much. I wanted to free up some extra funds and hopefully, even get all my credit card debt paid off sooner than what I was looking at. It freed up about $400 extra a month, which I really appreciate.

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      Response from Lending Tower

      Thank you so much for sharing your experience with Lending Tower! We’re thrilled to hear that our team was able to provide you with a consistent rate and guide you smoothly through the loan process. It’s great to know that you found our service both personable and efficient.

      We strive to make financing as easy as possible, and we’re glad to hear that you were able to access the funds quickly to help with your financial goals. If you have any further questions or need assistance in the future, don’t hesitate to reach out. We’re here to help!

      Verified purchase
      Process

      Reviewed Sept. 8, 2024

      I received a letter in the mail about my options and the possibility of pre-approval. Then one day, I decided to go for it since I was drowning in my credit card debt. I made a debt consolidation and Lending Tower helped me out with finding the best candidate for my situation. It's been a great experience. I applied online and then I made an appointment to speak to a representative and they called me the following day I made an appointment.

      The process was very straightforward and easy. They asked and confirmed a few of the things that I had already filled in online and then going forward, they just sent me the loans that I was pre-qualified for. From there on, it was my decision which one I wanted to go through and then that was when Best Egg was the choice I made. I've recommended Lending Tower to somebody else. After I recommended, it was when I saw that there was like a referral thing going on. But they got approved for a loan and they are happy with it as well.

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      Response from Lending Tower

      Your positive review is a great reminder that we're delivering on our promise to valued customers like you, Jarisa Rodriguez. Thank you for your trust in Lending Tower!

      Verified purchase
      Online & AppEase of Use

      Reviewed April 26, 2024

      I applied with Lending Tower online and their website was easy to use. It didn't take long to get through it and it only took 30 minutes for them to see all the matches that I had with different companies. But it took a couple weeks for the application to go through, so it wasn't fast. They were backed up on people doing loans. Then from the application to funding, it took me two weeks. But the loan helped me get my credit score back up and the monthly payments were not not bad at all.

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      Response from Lending Tower

      Hi Jarred! Thanks for sharing your experience with Lending Tower. We're thrilled to hear our website made the application process smooth for you.

      Matching you with the right lender can take some time, especially when demand is high. We appreciate your patience during that period. It's great to know the loan helped improve your credit score and the payments were manageable for you.

      If you ever need assistance in the future, please don't hesitate to reach out to our team 24/7 at (800) 481-1821. We're happy to help!

      Verified purchase
      Customer ServicePriceStaffProcess

      Reviewed Jan. 15, 2025

      I'm working with Lending Tower to consolidate some debt, including paying off my truck and reducing credit card bills. While the interest rate was a bit high due to my credit situation, the overall process worked well for me. I began my application online, which was very quick and easy, and then a representative called me to walk me through the rest of the process. So far, I've made one payment and I appreciate their assistance. Overall, I'm happy to be a customer and grateful for their help.

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      Response from Lending Tower

      Thanks for the great review, Patrick Moss! We’re glad we could help!

      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Jan. 15, 2025

      I recently went through the application process with Lending Tower, and it was pretty quick and smooth. I received a phone call at work to answer some questions, and later, a representative wrapped up everything efficiently.

      The overall experience was pretty good. From the initial application to receiving the payment, the whole process took about a week. The only delay was on my part due to my busy work schedule, which made it tough to submit some of the required documents promptly. I'd definitely recommend Lending Tower to anyone who needs a loan.

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      Response from Lending Tower

      Thanks, Allen Mcgrew! We love hearing that you had a great experience with Lending Tower!

      Verified purchase
      Online & AppStaffProcess

      Reviewed Jan. 15, 2025

      The reps at Lending Tower were respectful and professional throughout the process. The application took about 20 minutes, which I found efficient. As for the loan options provided by Lending Tower, they were straightforward and balanced.

      There was a humorous moment when one of their reps sounded tired during our interaction, but it added a pleasant touch to the experience since I felt the same way. Overall, it was a pleasant experience and I would recommend anyone in need of a loan to definitely check them out.

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      Response from Lending Tower

      Thank you for the fantastic review, Richard! We appreciate your feedback!

      Verified purchase
      Online & AppStaff

      Reviewed Jan. 12, 2025

      I recently decided to apply for a loan with Lending Tower to consolidate my credit card debt and reduce the high interest rates I was paying. I received information from them via mail, and since they responded to my application almost instantly, I chose to proceed with them over other vendors I was considering online. The application process with Lending Tower was simple and easy, and everyone I interacted with was friendly. I would recommend Lending Tower to anyone in a similar financial situation.

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      Response from Lending Tower

      Thank you, Michael! We’re thrilled you chose Lending Tower!

      Verified purchase
      PriceOnline & AppStaffProcess

      Reviewed Jan. 12, 2025

      I recently used Lending Tower to apply for a loan and worked with Scott through Best Egg. The process was straightforward and went smoothly, taking just about two days. Scott was knowledgeable about the products. While the loan amount was acceptable, I wished for a lower interest rate.

      In the past, I've had positive experiences, which is why I'd consider doing business with Lending Tower again. If a friend or family member asked about my experience, I'd definitely recommend them.

      Although I haven't used their website and can't comment on that, my overall experience was positive enough for me to rate it highly. I appreciate Lending Tower for facilitating this loan process.

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      Response from Lending Tower

      We appreciate your kind words, Joseph! Thank you for the 5 stars!

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      Lending Tower Company Information

      Company Name:
      Lending Tower
      Company Type:
      Private
      Year Founded:
      2015
      Address:
      5000 Birch St suite 3000
      City:
      Newport Beach
      State/Province:
      CA
      Postal Code:
      92660
      Country:
      United States
      Website:
      www.lendingtower.com