Our Services

Lending River offers personal-loan information, pre-qualification, and application assistance for borrowers across the United States. Loan amounts range from $1,000 to $100,000+ depending on the borrower's eligibility and the purpose of the loan.

Personal-loan options we help borrowers review

Home improvement financing

Personal loans for renovations, repairs, energy-efficiency upgrades, additions, and other home-related projects.

Major purchase financing

Personal loans for large planned expenses such as appliances, furniture, or one-time purchases the borrower has identified.

Medical and dental expenses

Personal loans to help cover out-of-pocket medical, dental, vision, or veterinary costs.

Education-related expenses

Personal loans for tuition gaps, certifications, training programs, or other education-related costs.

Auto-related financing

Personal loans for auto repairs, maintenance, or related vehicle expenses.

Other personal expenses

Personal loans for moving costs, wedding expenses, family events, and other purposes the borrower defines.

How a request is handled

You submit a request describing the amount and purpose of the loan you have in mind.
A licensed Lending River specialist reviews the request and gathers pre-qualification information with a soft credit inquiry, which does not affect your credit score.
The specialist follows up by phone during posted business hours to walk through the personal-loan options available to you and answer any questions.
Final loan approval, exact rate, and disbursement timing depend on standard creditworthiness and underwriting review.

Loan terms disclosure. Personal-loan options range from $1,000 to $100,000+. Annual Percentage Rates range from 4.9% to 35.99%. Origination fees range from 4.95% to 10% of the amount financed. Loan terms range from 4 to 84 months. Only the most creditworthy borrowers receive the highest loan amounts at the lowest rates.

A typical personal loan has a loan amount of $24,000, a 4.95% origination fee, a 60-month repayment term, and an interest rate of 15%. The borrower would receive $22,812 ($24,000 less the $1,188 origination fee — a prepaid finance charge), with a monthly payment of $570.96 and an APR of 17.327%.

Services are not available in all states; fees may vary by state. Final terms, eligibility, and disbursement depend on standard underwriting review.

About us Contact us Start an application