Lending Tower Reviews

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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
Verified purchase
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
Verified purchase
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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    How do I know I can trust these reviews about Lending Tower?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServicePunctuality & SpeedStaffProcess

    Reviewed June 6, 2025

    I opted for Lending Tower when searching for a personal loan. My decision stemmed from my regular use of Credit Karma, along with a mail solicitation, which seemed to align perfectly as I sought to improve my outstanding credit. The process was smooth, with my first payment being deducted seamlessly without any hitches.

    My interaction with their customer service was commendable. A representative I spoke with didn't just limit our conversation to the standard loan application but suggested a credit consolidation option too, providing valuable financial insights. This array of suggestions was highly beneficial, allowing me to explore different avenues and ensuring I could make the most informed decision.

    The online component of the application was straightforward. It was quick and easy to fill out the necessary information, contributing to the overall positive experience. Lending Tower's comprehensive approach, from their excellent customer service to their user-friendly online form, left a strong impression on me.

    Based on the entire application and service experience, I wholeheartedly rate it very positively. They made the process pleasant by explaining various financial options and ensuring I felt supported through each step.

    Thanks for your vote!
    Lending Tower
    Response from Lending Tower

    We're thrilled to hear about your exceptional experience with Lending Tower. Thank you for your trust in Lending Tower.

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      Verified purchase
      Customer ServiceContract & TermsSales & MarketingPunctuality & SpeedStaffProcess

      Reviewed March 21, 2025

      I had some mixed feelings about my experience with Lending Tower. I appreciated that they connected me with a group of lenders that met my needs, and the process was smooth and quick in receiving my money. The customer service was excellent, and their representatives were courteous and explained everything clearly. I would give them a high rating for facilitating my loan needs efficiently.

      However, I had concerns about their advertising methods, which seemed misleading. The initial offer appeared as though it was directly from Lending Tower when in reality, it connected me with other lenders. For some people, this might not be an issue, but I prefer to know exactly who I'm dealing with. I've worked hard to rebuild my credit and am cautious about getting involved with companies I'm unfamiliar with, especially ones backed by foreign loans that could have complicated terms.

      Overall, I recommend Lending Tower for their service and speed but suggest they reconsider their advertising approach. Transparency in who you're truly transacting with is important for consumers like me.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you for your review! We appreciate your feedback.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffEase of UseProcess

      Reviewed March 20, 2025

      I decided to apply for a loan through Lending Tower after researching various companies. Although I didn't know much about them initially, I was impressed by their outstanding reviews, particularly regarding the process's timeframe and the level of support from their representatives. This stood out to me, and I'm glad to say it all turned out to be true. Throughout my experience, I received countless helpful calls and emails.

      The lending process itself was remarkably straightforward. I applied over the phone, and it didn't take long. The representative was very patient and knowledgeable, answering all my queries thoroughly. She clearly explained the process, and I was pleasantly surprised to receive immediate approval and options via email before even hanging up the phone. The representative stayed on the line to ensure I had no further questions.

      The only delay I faced was due to bank verification, which was timing-related since it was close to the weekend. Under different circumstances, I could have had the funds within a day or two. This experience with Lending Tower was even more convenient than going through a bank. The rates I received were impressive, especially in the current economic climate, and they didn't bombard my credit with inquiries seeking the best offer.

      Overall, this loan helped me accomplish what I needed, and I felt great about the entire experience. I would rate it a five out of five, and I would definitely recommend Lending Tower to my family and friends. Everything from their customer service to their online tools was excellent and easy to use.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you for your review! We appreciate your feedback.

      Verified purchase
      Customer ServiceContract & TermsPriceStaffProcess

      Reviewed Feb. 13, 2025

      I received a letter from Lending Tower with an enticingly low interest rate for a personal loan, which caught my attention as it fit what I needed. However, during the actual application process, I found that the terms offered didn’t quite match up to those in the letter. Despite this, the loan still met my needs, and the experience has been going well so far.

      When I first saw the offer, I was a bit skeptical as it seemed too good to be true. I decided to call Lending Tower directly, using the number and application number from their letter, to get more information. The customer service was satisfactory. The representative I spoke with was pleasant and straightforward. They requested some information from me and then directed me to a webpage with my available options. The process wasn't exceptional, but they were polite and to the point, which I appreciated.

      Overall, I would rate the service as 4 out of 5 stars. The discrepancy between what was promised in the letter and what I was actually eligible for was a bit disappointing, though I'm unsure if that was due to a miscommunication on their part or an oversight on mine. Nonetheless, the process was clear, and I was treated respectfully. I would like to share this feedback to aid future clients and help the company improve its communication.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thanks for the great review, Deric! We’re glad we could 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.

      Thanks for your vote!
      Lending Tower
      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
      Customer ServiceProcess

      Reviewed June 5, 2025

      I initially received a mailer from Upstart and was eventually referred to Lending Tower. The enrollment process was relatively straightforward; I spent about 15 to 20 minutes on the phone and then maybe another 10 to 15 minutes completing the online steps through a link they provided. Overall, the entire process took around half an hour. I found the experience to be good and wouldn't hesitate to go through it again in the future.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you for your feedback.

      Verified purchase
      Customer ServiceContract & TermsOnline & App

      Reviewed June 5, 2025

      Initially, everything sounded fine. However, I was taken aback by a considerable service fee of $2200 since I was unaware of it up front. It was disappointing to find out only after the transaction was completed.

      Aside from that surprise, I must say the overall customer service experience was great. The application process was straightforward, with basic information submission over the phone and some minor online tasks like specifying which cards I intended to pay off.

      If asked to rate my experience with Lending Tower overall, I'd lean more towards a 3 out of 5, reflecting my satisfaction with the helpful service but marked by that significant and unexpected charge. Customer service, however, deserves a 5 for their excellent support throughout. The reasoning behind the loan terms likewise fits somewhere around a 3, as it's something I understood but wasn’t fully prepared for the fee component. Completing the online part was fairly easy, albeit not entirely necessary, resulting in a comfortable rating of 4.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you for your feedback. We’re glad to hear you had a positive experience. Just to clarify, Lending Tower does not charge any fees directly, any service fees are typically lender origination fees, which are disclosed during the loan process. We appreciate your input.

      Verified purchase
      Customer ServiceContract & TermsPunctuality & SpeedOnline & AppStaffProcess

      Reviewed June 5, 2025

      I decided to give Lending Tower a chance for my personal loan needs. The process from start to finish was quite impressive.

      Firstly, the customer service was outstanding. The team helped me out by explaining details I wasn't familiar with and ensuring I felt comfortable with the process. The online application was straightforward and easy to complete, which made the experience even smoother.

      I particularly appreciated speaking with a loan officer who demonstrated excellent service. They made sure I comprehended everything and guided me through each step with patience.

      In terms of the loan itself, the rates and terms were reasonable, aligning well with general market offerings. This gave me peace of mind knowing I wasn't being taken advantage of.

      Overall, my experience with Lending Tower was very positive, and I'm grateful for the timely and efficient service they provided.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you for sharing your experience with Lending Tower!

      Verified purchase
      Contract & TermsPriceOnline & AppEase of UseProcess

      Reviewed June 5, 2025

      The online application process was remarkably simple and took no more than 15 minutes, making it a breeze to apply without any hassles. I was pleased with the ease of use and found no need to contact customer service; everything was handled online.

      While searching for favorable terms, the rates offered through Lending Tower stood out among the options I had previously found on my own. They provided better terms, alleviating my concerns over hefty interest rates. Once I had spoken with Lending Tower, they gave me rates, which I reviewed, and Lending Club happened to be the best one that was available.

      Overall, my experience was excellent, and I'm grateful for how seamless the process was, from start to finish. I remain satisfied with the choice and would gladly recommend Lending Tower to others in search of the same ease and efficiency.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you very much for sharing your feedback!

      Reviewed May 6, 2025

      I received a notice in the mail so I tried to apply online but it keeps saying recaptcha is not right. It does not give you the option of putting anything in that field. Shady practice. Something not right.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Hi there! So sorry about the trouble with the site, that’s definitely not the experience we want you to have. We’d love to help you apply quickly and easily, feel free to call us at (800) 481-1821 or email support@lendingtower.com , and we’ll get you set up right away. Thanks for letting us know!

      — Lending Tower

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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