Lendmark Financial Reviews

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About Lendmark Financial

Lendmark Financial Services is a financial services provider that helps people with less-than-optimal credit. The company offers personal loans, auto loans and debt consolidation. Lendmark finds the best loan for your situation, whether you need funds for medical care, a vacation, monthly bills, home renovations or another reason.

Pros
  • Fixed payments and rates
  • More than 500 local branches
  • Pay online or using mobile app
Cons
  • Only licensed in 24 states
  • No published interest rates online
  • Must visit an in-person branch to finalize your loan

Helpful Reviews

Tifton, GA
Verified purchase
I would give zero stars if possible for the Tifton, Ga location. Soon as you are a day late on your payment they start calling multiple times a day even with a promise to pay. Int...

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Jacksonville, FL
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I borrowed funds from Lendmark in St Augustine FL and it was by far the easiest loan process ever. Just 2 hours and funds immediately deposited. Lisa ** was terrific! Very cordial...

Read more

What services does Lendmark Financial offer?

Lendmark Financial Services offers the following financial solutions:

  • Auto loans: Lendmark offers financing for new and used cars, boats and motorcycles.
  • Debt consolidation: If you’re carrying high-interest debt with multiple creditors, Lendmark helps consolidate it into a single monthly payment.
  • Secured and unsecured personal loans: Loans have fixed terms, rates and payments that vary based on your financial and credit profile.

The company offers some services online, but its local branches provide a full range.

How does Lendmark Financial work?

You can apply for loans from Lendmark Financial online or at a local branch. Once you provide personal information, Lendmark will review your application and make a decision. If you’re approved, you must visit a branch to sign the paperwork and receive your money.

Once you have your loan, you can make payments online, at any branch or using the company’s mobile app. Lendmark Financial accepts cash, personal or cashier's checks, money orders and debit cards.

Repayment terms range from a minimum of 12 months to a maximum of 72 months. The company allows prepayment on your loan, so you can pay more than the monthly minimum without penalty. Origination fees and late payment fees may apply.

Lendmark Financial interest rates

Lendmark Financial does not provide minimum or average interest rates on its website. However, it states that the maximum APR on new loans will not exceed 35.99%. APRs vary by state law, loan amount and your credit profile.

To get an idea of your interest rate, monthly payment and other information, fill out the form on the company's website or contact a company representative directly. Note that minimum loan amounts range from $2,000 to $3,000, depending on your state, and any loan over $8,000 requires collateral.

FAQ

Does Lendmark check credit?

Yes, Lendmark checks credit. It also reports monthly to Equifax, Experian and TransUnion.

Is it easy to get a loan through Lendmark?

Customers with lower credit may find it easier to get a loan through Lendmark than through other lenders. Customers can fill out an online application, but must visit a local branch to sign documents and receive money if approved. Lendmark will evaluate your credit history, income, debt, collateral (if applicable) and prior loan experience before approving your application.

Who owns Lendmark Financial Services?

First Liberty Bank initially owned Lendmark. First Liberty and its subsidiaries were acquired by Branch Banking & Trust Company in 2000. In 2013, BB&T sold Lendmark to a private equity firm, the Blackstone Group, in New York.

How do I pay my Lendmark bill online?

Lendmark allows customers to pay online. Payment can be made through the company’s website after you log in or through the mobile app.

How much can you borrow from Lendmark?

Minimum loan sizes range from $2,000 to $3,000, depending on location. The maximum unsecured loan available is $8,000. Customers can receive higher loans, but Lendmark requires collateral for loans of that amount.

Can Lendmark garnish wages?

Lendmark may be able to garnish wages. This will only be the case if it wins a lawsuit against you and gets a court order. The amount varies based on your state laws.

Still have questions?

Is Lendmark Financial legit?

While the company offers fixed rates and terms, Lendmark Financial’s lack of transparency about the financial terms of its loans makes it difficult for customers to know whether it is right for them. Before deciding whether to pursue a loan with Lendmark Financial, contact a branch and speak with a representative to better understand what Lendmark Financial can offer you.

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Lendmark Financial Reviews

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    Page 1 Reviews 0 - 10
    Profile pic of the author.
    PriceBillingLoan ProcessRates

    Reviewed May 28, 2026

    Charges credit card interest rates on a car note even with a decent credit score. I declined the loan.

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    Profile pic of the author.
    Sales & MarketingPunctuality & SpeedOnline & AppStaffBillingLoan ProcessRates

    Reviewed May 16, 2026

    I feel so stupid. I paid all attention when going over the loan yet I missed mountains of information. I was in a tight situation and it seemed like a real solution... One year later after making regular monthly payments, my balance has actually gone up. Now they tell me the only way to make it go down is to make my payment and then some. I didn't budget for that and with the country drying up the way it has, I can afford to pay another year and not make a difference. I'm beyond pissed. They come off like they are really here to help but end up compounding things even worse.

    Since then, my credit has dropped so getting a better loan with a better rate is out of the question. I can see no solution without taking more losses but I know this can't continue. Even in the app, you won't find your balance. This is consuming all things in my life. I thought about one of those debt consolidation groups but I can't see taking on another bill for a no guarantee outcome and a credit nosedive.

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      Staff

      Reviewed April 8, 2026

      This was a Godsend. When no one else would give me a chance, Lendmark did. Tammy at the Janesville, WI. office was not only pleasant but very thorough and informative. She made it easy to understand all aspects of the process and genuinely seemed to understand where I was with my situation. That goes a long way with me.

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      Customer ServicePunctuality & SpeedBillingRatesFollow-Through

      Reviewed Feb. 2, 2026

      I would give zero stars if possible for the Tifton, Ga location. Soon as you are a day late on your payment they start calling multiple times a day even with a promise to pay. Interest rates are very high. Avoid this company, only use if it is your last option.

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      Customer ServiceLoan Process

      Reviewed Jan. 30, 2026

      This financial service group are absolutely terrible to work with. I applied for a loan with a good credit score. Provided the last six months of my bank statements. One month I made quite a bit more than I did the other months. They wouldn't include that deposit because it was not the average of the other deposits. Makes zero sense since it was income. Thus my debt income ratio was not as good. I asked for the reasoning behind this and why I was turned down for the loan. She was rude and said that she was just conveying what the underwriters said. What a waste of time.

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      Loan ProcessRates

      Reviewed Jan. 13, 2026

      I borrowed funds from Lendmark in St Augustine FL and it was by far the easiest loan process ever. Just 2 hours and funds immediately deposited. Lisa ** was terrific! Very cordial and made the E signing a breeze. I give them a 5+ star rating.

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      Profile pic of the author.
      Customer ServicePriceStaff

      Reviewed Dec. 2, 2025

      If I could give a zero I would. Incessant calling; harassing; unethical; unprofessional. This place should be shut down and have charges placed against them. Their business practices should be illegal.

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      Customer ServicePriceStaffRatesTransparency

      Reviewed Sept. 24, 2025

      My girlfriend and I went to a used car dealer were able to pick out a decent vehicle for a decent price. The ladies at Lendmark were just as helpful as the dealership was! We were in a big bind, not the greatest credit. They worked us a good deal. I’m very happy with the outcome. I call whenever there are changes and keep them updated and I have had no problems whatsoever. This company did right by us.!

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      Customer ServiceBillingLoan ProcessRates

      Reviewed July 26, 2025

      My girlfriend got a Loan from Lendmark and she paid and paid on it and the balance never went down and now they have her in court Garnishment and now they are going through the court system. The balance is now going down and her loan was a little over 4,000 and now it's down to 2,000 something. We would make payments, and they would even hound her before the payment was due and they would call me as well and blow my phone up and the interest rates were through the roof, and I called and asked the office here in LaGrange Georgia why they were doing this to people and the lady told me to mind my own business and after I called them that is when they served my girlfriend and work with the garnishment.

      All I feel that the only reason they did that is because I caught onto their crap and illegal practices and not only that they would not even give my girlfriend a receipt half the time and the ones she did get and was able to get the remaining balance did not change. But if this company has had all this trouble and lawsuits then why are they still open???? And she was paying the balance. Not going down means somebody was pocketing the money and talking to others they have done the same exact thing here in LaGrange and in other cases same exact issue but the payments they have made was not put into the computer and shown where they had paid.

      But my girlfriend's job shut down and they were not given permission to track her new employment, and they did and today just got a new garnishment today. LENDMARK NEEDS TO STOP THEIR CRAP AND SOMETHING NEEDS TO BE DONE. I would add some receipts, but you do not hardly get any and the court papers are private. No offense.

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      Customer ServiceStaffLoan Process

      Reviewed July 9, 2025

      This place is a joke. I live in Seattle and was dealing with the Everett Branch and they tell me I’m approved just to send over my USAA document showing them as the lien company. So I do that and all of a sudden I’m not approved. She says you have too much debt to income ratio. So I explain to her that the loan will be coming off as soon as the title company gets the paperwork I sent in yesterday which would mean I have no debt. I said I’d be happy to provide the document showing the car is totaled and will be paid off and her response “I don’t care I’m done working on this”. So WOW 2 days wasted dealing with this joker for a company.

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      Lendmark Financial Company Information

      Company Name:
      Lendmark Financial
      Year Founded:
      1996
      Address:
      2118 Usher St.
      City:
      Covington
      State/Province:
      GA
      Postal Code:
      30014
      Country:
      United States
      Website:
      www.lendmarkfinancial.com