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

Helpful Reviews

Gastonia, NC
Verified purchase
I needed to get a loan to pay off another loan. Lending Tower was there at the time and it was not like there was a bunch of offers to choose from. So, they caught my attention an...

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Gainesville, GA
Verified purchase
I got a loan to pay off debt. Signing up with Lending Tower was easy and simple. I liked it. I just followed whatever it said on the instructions. It was easier to do it online an...

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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. 

Still have questions?

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 - 25
    Verified purchase
    Customer ServicePunctuality & SpeedStaffBillingLoan Process

    Reviewed June 30, 2026

    A year ago, I was trying to consolidate my debt, but I wasn't able to get a loan. They were trying to do the other thing, where you stop paying, and then they contact the creditors and try to make a deal with them, which wasn't for me because I didn't want my credit to go down in the dump. So I just held off on it. Then, eight months later, I had gotten a couple of things from Lending Tower in the mail. I figured, why not, and I applied, and then I was able to get an actual personal loan to pay off my credit card debt. The lending process was fairly easy. The guy I talked to was very nice. He explained everything. He waited for me to get the email. Working with Lending Tower helped me greatly. Put me on a good track.

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    Lending Tower
    Response from Lending Tower

    Thank you for sharing your experience with Lending Tower! We're thrilled to hear that you had a positive experience in securing a personal loan and find the lending process straightforward. We appreciate your trust in us during both your initial and subsequent experiences. It’s wonderful to learn that our representatives provided the support and clarity you needed. Thank you for choosing Lending Tower to help you get back on your financial track!

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      Verified purchase
      Customer ServiceOnline & AppStaffBillingEase of Use

      Reviewed May 29, 2026

      I received something in the mail from Lending Tower and I was thinking that it might be beneficial to do some debt consolidation. So, I pulled up the pre-approval and they contacted me via phone. I spoke with the representative and he was very helpful. He looked through all my other choices and was going over them with me. When I hesitated, he was very relaxed and he told me that he was going to email the information to me. He said that I could look over it and choose it. And if I decide to go with then, then I could place the request myself online.

      He gave me all the different options that were suitable towards me. So, I got to choose the one that I thought worked best for me. I got to see it in front of my face versus just hearing it over the phone and it was immediate. That gave me a peace of mind that I could take my time and go through everything to make sure that this was something that I wanted to do. The options were very agreeable, and it ended up being a payment lower than what I was paying on my credit card, so that was why I decided to go with it. The fees seemed reasonable and to check my progress, their website was easy to use once I'm logged in, but I would prefer an app.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Customer ServicePricePunctuality & SpeedStaffRates

      Reviewed May 13, 2026

      I needed to consolidate some debt. I received some of Lending Tower's flyers in the mail. So, I called them, and they presented me with three offers. I selected one, and they had me in business within 24 hours. They were very prompt and courteous. The price was very competitive. The rep listened to all my questions and concerns that I had. They had brought up some things about my credit report to work on. I asked for some offers. I also asked them if they're gonna be able to help me or not. The rep sent me three email offers from three different companies.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed May 1, 2026

      Seeing that the amount that I needed and the monthly payments to pay it back were more manageable with Lending Tower, I applied online, and it was a smooth experience. It was fast too. I got a response within at least an hour, but I was at work at the time, so we had to set up another time to call back. The person who was on the phone with me was very helpful. The rep broke everything down to me step by step and made it an easy process. My experience was very satisfying and I would highly recommend Lending Tower to people.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Customer ServicePunctuality & SpeedMaintenanceStaffEase of UseLoan ProcessTimeliness

      Reviewed April 4, 2026

      I got a thing in the mail where Lending Tower told me I was prequalified. So, I went through online and checked it out. They called me the next day. They had set an appointment and then called me the next day and talked to me and showed me different options, and I just chose one. The application process was very simple. It was just to put in the information that was on the card. They already had my name there, and I just gave them the rest of the information. It took me about five minutes to do the application and set up the appointment. When they called me, it was another 10 minutes. I had everything showing on my screen what I can choose from. All I had to do was pick one of those, and we were done.

      Lending Tower's website was very easy to use. As far as customer service, I had trouble understanding the man but my phone kept breaking up. Other than that, they were very nice. I would recommend Lending Tower if people I know need to get a loan for something. My experience with the company helped quite a bit. I really needed the money at the time. So, I'm glad that something like that is available for people who need it.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing this, we really appreciate it.

      Verified purchase
      Customer Service

      Reviewed June 23, 2026

      I received an offer by mail. I was having some trouble with my vehicle, so I was, "Let's see how this goes." Thank God it was approved. Applying was very easy. It's not like other lenders who make it difficult. If I had any questions or concerns, I easily get in touch with Lending Tower by customer service. They work with you through the process for you to get approved.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing your experience with Lending Tower! We're glad your loan application process was easy and that you found our team helpful and accessible whenever questions came up. Providing clear guidance and support throughout the application journey is important to us. We appreciate your trust and thank you for choosing Lending Tower!

      Verified purchase
      Customer ServiceStaffSales Tactics

      Reviewed June 18, 2026

      I came Lending Tower several times and it was something I was thinking about. There were no pressure tactics. It was straightforward and easy. Also, the website looked very professional. It was a good experience. Financially, it helped. The only problem I have is, on Lending Tower's website, they need to make sure their telephone number is available. Not everybody likes to go on the web. A lot of people still like to make phone calls. If you need funds, Lending Tower would be a good place to borrow some.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Customer ServiceStaff

      Reviewed June 11, 2026

      I applied to Lending Tower online and it was very seamless. I put in my information, and then I got a call. Then they said I was approved and then within a few days, I had the funds. It was very, very, very easy. My experience was great. It was very smooth. There were no issues or confusion. Communication was great. There were so many options. It was helpful for me. I'm really grateful that it worked out. I’m very satisfied.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Customer ServiceStaffBillingLoan ProcessRates

      Reviewed June 5, 2026

      I had some credit card debt that I had to get taken care of because the interest rates were high and it kept hitting, so I figured it'd be better to put it on the loan there. I had gotten an email from Lending Tower, and it was perfect timing on their part because I was thinking about a way to consolidate my debt. The application process went smoothly. I filled it out all online. My overall experience has been great.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Customer ServiceSales & MarketingStaffRates

      Reviewed June 4, 2026

      The online part of the application with Lending Tower was easy to go through. However, I didn't like the phone call. The woman that I spoke with knew how much I was asking for, and that the match option she would place me with was not close to what I was asking for. She offered me some kind of program. When I understood the way that the program was set up, I said I wasn't interested. After I said that, she got a lot more pushy. I almost didn't go through with one of the match options. It felt like a bait and switch. I didn't enjoy my experience with her. I ended the call because I received the match options through email, and I was able to move forward with that.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing your feedback. We're glad to hear the online application process was easy to navigate. We also appreciate you taking the time to tell us about your phone experience.

      Our goal is to provide information about available options so customers can make the decision that works best for their needs. We understand that conversations can sometimes feel overwhelming when discussing different solutions, and we appreciate your perspective. We're pleased that you were able to review the options sent by email and move forward with the one that felt right for you.

      Your feedback is valuable and helps us continue improving the experience we provide.

      Verified purchase
      Punctuality & SpeedLoan Process

      Reviewed June 3, 2026

      My job was slow, so I needed some extra income quickly. I got a flyer in the mail for Lending Toer and when I applied with them, the process was easy. It took less than 10 minutes and everything was pretty smooth. I talked to someone who hooked me up with somebody that was able to give me a loan and I had the money within three days. It gave me the extra cash I needed to stay afloat and I would highly recommend it.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Customer ServicePunctuality & SpeedOnline & App

      Reviewed May 28, 2026

      I got a letter from Lending Tower then I called the number that was on the letter. My son was getting married and I needed a couple $1,000 extra. I asked for $3,000 and they said that the minimum they could give me was 5,000. So, I had to go ahead and get the 5,000. The application process was pretty easy and I did it all on my phone, online. It took a day to get a match and the whole thing was quick.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Loan Process

      Reviewed May 22, 2026

      Lending Tower is progressive, simple, and comfortable. Their offer was intriguing. The outcome was a bit different than the offer, but it wasn't bad. The process took less than two hours. Also, it was nice to know that we get our own account manager we can contact regarding the consolidation, as well as the loan.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      PriceOnline & AppStaffEase of UseRates

      Reviewed May 21, 2026

      I received something in the mail then I went online to apply with Lending Tower. Their website was pretty easy to use and I just went with someone online. I liked the ease of it and everything was processed in less than 30 minutes. The price was kind of steep, and the rate was high but acceptable.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      StaffRates

      Reviewed May 16, 2026

      Lending Tower's service was good and it was a good rate as well. The rep was informative.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      BillingLoan ProcessRates

      Reviewed May 15, 2026

      So far, I'm happy with Lending Tower's service. I chose to consolidate credit card debt through them. The loan was easy to get, but the interest rates are high, and the amount they were willing to loan me was triple my annual salary.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you for sharing your experience. We're glad the loan process is going smoothly and that you found it easy to obtain financing through Lending Tower. We understand that interest rates and loan amounts are important considerations when evaluating any lending option. Our team is committed to helping customers review available solutions so they can make informed decisions based on their individual financial goals and circumstances. We appreciate your feedback and thank you for choosing Lending Tower.

      Verified purchase
      PriceBillingRates

      Reviewed May 14, 2026

      Somebody sent something in the mail about Lending Tower and when I did my application, it was easy. The people seemed nice and good to work with. Everybody was really cool and the total lending process took 25 minutes. The price was all absorbed in the whole thing, so I liked that. All in all, Lending Tower got me through in a pinch, but I still don't have a job, so I'm not able to make the payment.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Loan Process

      Reviewed May 5, 2026

      I had a whole bunch of things going left. I had a bunch of car troubles. I decided to apply for a loan. Lending Tower was the highest offer I got at that time. The application process took about a day. Lending Tower came through when I needed something.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Loan Process

      Reviewed May 4, 2026

      I'd recommend Lending Tower to a friend. I went to individual lenders and they gave me offers, but Lending Tower was very nice, was able to find me a much better offer, and was a lot quicker. Also, the matches are better than I've been finding. The loan went through in a week.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase
      Customer ServicePunctuality & SpeedTimeliness

      Reviewed May 3, 2026

      Reading over the paperwork that Lending Tower sent me, it seemed a good idea to consolidate my debt with them. The application process was pretty quick. I filled out most of the information online then they called me and we talked for a minute. We made sure all the information was accurate then they connected me with a company that would lend me the money. It was a lot easier than I thought it was gonna be. It was really fast as well. I applied that day then the next day, I already had the funds.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Verified purchase

      Reviewed May 2, 2026

      Everything was great with Lending Tower. I learned about them online and due to good timing, I ended up using their service. I applied online, and everything was convenient and easy to do.

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      Lending Tower
      Response from Lending Tower

      Thank you so much for sharing your experience!

      Customer ServicePunctuality & SpeedStaffBillingLoan ProcessHonesty & Transparency

      Reviewed April 30, 2026

      BE VERY CAREFUL. READ THE ENTIRE DOCUMENT BEFORE SIGNING. THEY MISREPRESENT WHAT THEY ARE OFFERING. The process requires speaking with a representative. You are first routed through an AI system, then transferred to a live agent. The representative I spoke with, **, misrepresented the service. I initially applied for a debt consolidation loan to pay off credit cards. I was told I did not qualify for that type of loan but was instead offered a different “loan” through Lending Tower. Throughout the conversation, I consistently used the term loan, and the representative did not clearly distinguish that this was not a traditional loan. He kept using the term Debt Resolution. That can literally mean anything. You are looking to resolve your debt.

      After about 20 minutes of discussion, I was sent a 13-page document to sign. The representative summarized portions of it quickly. Do not rely on their summary. Read the entire document yourself. There are multiple places within the document to sign before the final acceptance, and you can decline at any stage.

      The total debt amount listed on page one did not match what had been discussed. While the representative continued speaking, I reviewed the document independently. This is not a debt consolidation loan. It is a debt negotiation (referred to by the company as “debt resolution”) program. The structure involves closing selected credit card accounts and making monthly payments. However, it is not clearly explained when or how creditors are paid.

      Under this type of program, accounts are closed and then negotiated. This can result in collection activity, including letters and potential legal action, while you are already making monthly payments to Lending Tower. Before sending the documents, they collect financial information, set a payment date, and outline estimated terms such as payment amount and percentages. Understand the difference between a debt consolidation loan and a debt negotiation program. They are not the same.

      At the end of the call, when I questioned the details, the representative became defensive and stated that he had identified the program as debt negotiation. The term used by the company is “debt resolution.” He then turned to mansplaining, accused me of arguing when I was simply having a clarification conversation. Take this as you will but just be careful when talking to them and make sure you read that entire document. Keep copies of all communications, including emails and any documents you decline to sign.

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      Lending Tower
      Response from Lending Tower

      Thank you for taking the time to share your feedback. We are sorry to hear your experience did not meet expectations. Transparency and clear communication are very important to us, and our team works to explain all available options, including the differences between debt consolidation loans and debt resolution programs, so individuals can make informed decisions before enrolling.

      We understand the importance of carefully reviewing all documents before signing, and we encourage every client to ask questions and take the time they need to fully understand the program details. We also take concerns regarding communication style and professionalism seriously, and your feedback has been shared internally for review.

      We appreciate your perspective and wish you the best moving forward.

      Verified purchase
      Customer ServicePunctuality & SpeedStaffBilling

      Reviewed April 24, 2026

      Once I got all my information submitted to Lending Tower, it was an 18-hour process, because they have to send two small funds to my account, I have to type in what it is, and wait for a response by email. It was two small transactions - one for 91-cents, and another for 42-cents. It's based on what they sent me. That way, they know that it's me and it's my bank account. I type in the small transaction amounts, and it checks my answer to what they sent.

      The process is deceptive because it gives a list of six options and says I've been pre-approved. I click that option and go through the process, and my pre-approval dropped by a lot, which I understand it's based off a lot of open information. Other than that, it's all right. It's an easy process. It wasn't a long, aggravating, drawn out process. I link Lending Tower to my bank account, they pull the payments on time, and I go on about my life. It got me money when I couldn't get it. What I got wound up being a lot less than what I needed, but I made it work.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you for sharing your experience, we appreciate the detail.

      The small deposit step is a standard way to securely confirm your bank account, and we understand it can take a bit of time depending on processing. Pre-approval amounts can also adjust once additional information is reviewed, which can impact the final offer.

      We’re glad to hear the process felt simple overall and that payments have been running smoothly. It’s great to know we were able to help when you needed it. If anything comes up, we’re always here to help.

      Verified purchase
      Customer ServiceSales & MarketingPunctuality & SpeedStaffBillingTimeliness

      Reviewed March 25, 2026

      My parents needed to pay some bills off and I offered to help them out. I got the flyer for Lending Tower and my mom said I should call to see if I would qualify. I did that and it turned out that I qualified for some money. I was totally surprised. At first I wanted to get 9,000, like the flyer said, then they checked my credit and changed the amount. That was okay. Then, I was having a hard time in my last step to get the money. The internet went off and on, then I kept clicking and I kept calling John, their rep. He told me to start the application again and that was what I did. The system already had my information and it went through, finally. Through that time, John kept calling me to ask if everything was okay.

      At first, he didn't believe me when I was telling him that I was pressing the button, but the application didn't go through. He said that was not possible. He told me to send him a screenshot and I didn't know how to do that. So, I went to my Alderman's office, then the guy in there said he didn't how to do it either. This happened on a Thursday and he didn't have his workers there that day. He said he was old-school and so was I. So, somebody came in and he did for me. Once the application went through, the process went fast. They said, "Congratulations. Your application has been finalized,” and the only thing I needed left was my signature. Then they sent me the money the same day. All in all, I started the application on Monday and finished it on Thursday. I'm glad that I was persistent and that I didn't give up. John kept saying that I was on my last step to get the money and it all worked out in the end. He was so helpful and I liked that.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing this, we really appreciate it.

      Verified purchase
      Rates

      Reviewed March 24, 2026

      Lending Tower had a competitive rate and their application process was simple. I was pretty limited on time and they were very flexible with their availability to get it done, and it all worked out. I would recommend them to my friends.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing this, we really appreciate it.

      Verified purchase
      Customer ServiceRates

      Reviewed March 23, 2026

      I applied over the phone with Lending Tower. The application was fairly easy. The email I got was a bit confusing because it had multiple offers listed, and attempting to click on the other offer, there was a lock-up that happened. So it took me a few days to actually get through it until I had my helper with me who said, “No, this is what's happening. You have to go for the one offer.” So that's what I did. But the other offers that were offered, it was like, “Oh, hey!” But they weren't available. I just went back to the original offer and accepted it, and took it. The rates and terms are great. I'm hoping to get it paid off earlier than what we have planned. But I feel pretty good about what we've already done.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing this, we really appreciate it.

      Verified purchase
      Customer ServiceStaffRates

      Reviewed March 22, 2026

      I had some medical expenses, and I got an email from Lending Tower telling me to give them a try. I thought I'd give it a try and see what happens. It was a very easy process to apply and they were very helpful on the application process. It took less than 10 minutes to see my matches. Also, the rates seemed good. I would recommend them based on the experience I've had so far.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing this, we really appreciate it.

      Verified purchase
      Customer ServiceStaff

      Reviewed March 21, 2026

      Lending Tower was very good on the phone. They helped me out and were very friendly. They gave me information on how much it would be and how much I would get back. It was done in an hour. I enjoyed talking with them.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing this, we really appreciate it.

      Verified purchase
      Online & AppStaffLoan Process

      Reviewed March 20, 2026

      I needed help and I decided to apply for a loan. I used Lending Tower and their online application process was easy. My experience has been great.

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      Lending Tower
      Response from Lending Tower

      Thank you for sharing this, we really appreciate it.

      Verified purchase
      Staff

      Reviewed Feb. 26, 2026

      The lending process with Lending Tower was straightforward and the qualification process was easy. It took a week and a half for my account. They had the online portal if I had questions, but I didn’t have any. Lending Tower helped me out during this time in my life.

      Thanks for your vote!
      Lending Tower
      Response from Lending Tower

      Thank you for sharing your loan application experience.

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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