Honesty, pricing, process and quality scores appear once 5 customers have rated them.
About Lending Tower
Lending Tower is a trusted and innovative platform designed to connect individuals with a wide range of personal loan & debt consolidation loan options from various lenders. By simplifying the loan application process, the company minimizes paperwork and saves time for its clients, allowing them to access multiple loan plans simultaneously. This streamlined approach ensures that applicants can compare and choose the best option tailored to their financial needs. Lending Tower’s dedicated team of trained consultants is available 24/7 to guide applicants through the process, carefully reviewing the terms and conditions of each loan option to help them make informed decisions. One of Lending Tower’s standout features is its commitment to inclusivity. The platform assists individuals regardless of their financial history, making it an accessible resource for those with less-than-perfect credit scores. By offering personalized support and a user-friendly experience, Lending Tower empowers clients to take control of their finances and work toward achieving debt relief. Whether you’re looking to simplify your payments, reduce interest rates, or consolidate multiple debts, Lending Tower provides a reliable and efficient solution to help you achieve your financial goals. With its focus on transparency, convenience, and customer satisfaction, Lending Tower stands out as a valuable partner for anyone seeking to improve their financial well-being and secure a brighter financial future. Call (800) 481-1821 for more info
Lending Tower (lendingtower.com) has 543 customer reviews on Folks Told, with an average rating of 4.6 out of 5.
Hello,
Thank you for taking the time to share your feedback. We take all reviews seriously and hold our loan officers to a high standard of professionalism and respect. Unfortunately, we are unable to identify a customer by the name listed on this review in our records.
If you have worked with us and have a concern about your experience, please email us directly at [email protected] with your details so we can look into this further and address it properly.
Sincerely,
Lending Tower
CC
Carl C.
Bait and Switch Scam For Low Income/Bad Debt-To-Income Ratio Applicants
If you receive the mail offer in the mail from Lending Tower stating that you can get one big consolidation loan to pay off all of your current loans so you can set it up where you only have to pay on one loan per month for one low monthly payment to pay down your existing debt, then this will be a bait and switch scam if you are a low income applicant with a bad debt-to-income ratio. The bait is to attract you to the offer making you think that you can compile all of your loans into one big loan for one low monthly payment so you can save money and get some money back in your pocket. But the truth is that such an opportunity is not out there for low income applicants with a bad debt to income ratio. Bad Debt-To-Income Ratio means you are paying most of your monthly income on loans and have very little income left afterwards for the remainder of the month. So for low income applicants in this situation, you fill out the application and after the online completion of the application, they will give an immediate call. During the phone consultation, if you are a low income applicant with a bad debt to income ratio, they will decline you. But the SWITCH part comes in with the next step. After denial of the loan, they will offer you a debt settlement program. The reason debt settlement programs are scams for low income applicants with bad debt to income ratio is because the average applicants in that situation have a lot of active loans they are currently paying on. That's why they have bad DTI in the first place. However, the debt relief programs will make you think they can settle all of your current loans and get you out of debt. But that's not true. For example, if you have 10 current active loans, at least 2 of those companies will likely file a lawsuit on you. Debt settlement/debt relief companies can not settle all of those loans especially if you don't have an extensive payment history on them. So you will have to go to court which can lead to your bank account getting garnered or the loan company will collect collateral from you. On top of that, for debt settlement companies to even help you, you will have to stop paying on all of your loans and let them go into collection. This will lead to collection hassle and, like I said earlier, lawsuits. Additionally, when you let all your accounts go into collection, your credit score goes down the drain. So the debt settlement/debt relief programs make your life worse because after signing up for it, you will end up with lawsuits, bad credit, garnered bank accounts, and collateral confiscation. And the debt settlement programs don't even tell you this in the beginning. You don't find out about this until it's too late. And it's a shame Lending Tower will offer this to applicants in this situation after mailing them an offer that make them think that a consolidation loan is about to be approved. If you are a low income applicant with a bad income to debt ratio, stay away from Lending Tower mail offer. They are not offering you a consolidation loan. They are offering you a bait and switch scam. Period.
Reply from Lending TowerSep 4, 2026
We’re sorry to hear that your experience left you feeling this way. To clarify, the mailed invitation is a prescreened opportunity to apply, not a guarantee of approval. Final eligibility is determined after reviewing the application and applicable lending criteria. We also clearly disclose that Lending Tower does not guarantee approval and that loans may be brokered to third parties. We take concerns about our communications seriously and encourage you to contact us directly so we can review your experience and address any questions.
DA
David A.
Horribly unprofessional and untrustworthy
Horribly unprofessional. Spoke down to me teading a script the entire way. After their offer of a loan was declined and offered a debt consolidationloan. Told her not interested and she said im not doing good. Tell miss filipina i work in credit 20 plus tears and dont need your garbage debt consolidation loans. Waste of time
Reply from Lending TowerSep 2, 2026
Thank you for sharing your feedback. We take concerns about professionalism and how our team communicates with customers very seriously.
We were unable to locate a record matching your name in our system, so we're not able to verify the specific interaction described. We would still like to look into this further, so please reach out to us directly at [email protected] with any additional details, such as the date and time of the call, so we can investigate properly.
For clarity, Lending Tower may present a secondary option through a third party when a personal loan application does not meet the applicable criteria. This is intended to give customers visibility into alternative options, not to pressure anyone into a product they've already declined. We aim to communicate clearly and respectfully with every customer, regardless of their background or expertise, and we're sorry if that standard wasn't met in your experience.
RI
Rich
$249 a month to $740 BAIT N Switch
Said I could get a loan for $249 a month and after I get the app done. I get a text saying your $740 a month payment. Lol. That’s a $892 savings per month. Ahh I don’t pay near than in my monthly debt. Maybe $550 is what I pay. Total bait and switch scam.
Reply from Lending TowerAug 31, 2026
Hi Rich, thank you for taking the time to share your feedback. We take concerns like this seriously and want to look into what happened here. However, we don't have a client in our database under this name. We'd welcome the opportunity to review your specific situation and resolve any concerns, please reach out to us directly at [email protected] with more details, such as the application date or contact info used, so we can locate your file and address this properly. We look forward to hearing from you.
DE
Demond
Loan easy to get but way to much many…
Loan easy to get but way to much many taken out for so called fees before even receiving the loan and ARP ridiculous
Reply from Lending TowerAug 16, 2026
Hi Demond, thank you for sharing your feedback. We’re glad to hear the loan process was easy. The origination fee and other loan terms, including the APR, are disclosed in your loan agreement before funding so you can review the full details. We appreciate your feedback and wish you the best.
RL
Rouse L.
No resolvieron nada me dio mas depresión de lo q tenia hasta tube q ir a el hospital
OYo me retire porque puras promesas y nada hacían ni susan santos contestaba por eso me retire y pedí mi dinero para atras no los recomiendo me cobraban 403 a el mes y no me dieron ni un numero para q mis creadores los llamaran ni nada servicio pésimo creo q los voy a demandar porque es puro fraude como van encontrar el expediente si aller 11 de agosto los cancele por frauderentos son de los peor me habían sacado 403 dólares cancele con ellos y nada mas me devuelvieron 236 dolares sin ayudarme ni nada son unos ladrones pero esto no se va a quedar asi voy a meter un abogado para q me ayude susan santos y su equipo me van a escuchar de mi cuando yo valla a un abogado no es justo q se roben el dinero asi 😡😡😣😣
Reply from Lending TowerAug 14, 2026
Estimada Rouse Lamberty:
Para aclarar: usted no calificó para el préstamo que solicitó originalmente. Posteriormente, aceptó voluntariamente una opción alternativa, y su expediente fue transferido a una empresa externa (tercero) como parte de ese proceso acordado.
Somos una empresa legítima y respaldamos nuestro proceso. Le recomendamos confirmar sus registros con la empresa externa a la que fue transferido su expediente, ya que ellos podrán atender sus preguntas directamente.
AL
Ailsen L.
2 mins to see was I approved turned …
2 mins to see was I approved turned into a couple of days to wait for a phone call...I'm no longer interested when I do get a phone call ...
Reply from Lending TowerAug 5, 2026
Dear Alisen,
Thank you for your feedback. According to our records, you submitted your loan application with Lending Tower on August 4, 2026, at 7:00 PM PST. During the application process, you were asked to schedule a call, and the appointment selected in our system was August 7, 2026, at 2:30 PM PST.
We understand if your plans have changed. If you are no longer interested in moving forward, we completely respect your decision and wish you all the best. Thank you for considering Lending Tower.
TH
Tasha H.
Was pushy in talking me into taking a…
Was pushy in talking me into taking a different proposal. Promised to call me back on a certain day but never called. Was instead hounded by various other calls and emails even after replying that I was not interested.
Reply from Lending TowerJul 14, 2026
Thank you for sharing your feedback. We are sorry to hear your experience did not meet your expectations. We are pleased we were able to assist you in securing your $7,100 Best Egg loan through Lending Tower. We also take your concerns about our communication and follow up seriously, and we will share your feedback with our team as we continue working to improve the customer experience.
