Also known as: LoanMe
LoanMe is a California-based personal and small business installment lender that operates primarily in California and a limited number of other states. It serves consumers and small business owners who may not qualify for conventional bank financing, offering both personal installment loans and small business loans.
LoanMe's personal loans are typically for larger amounts than payday or short-term lenders offer, but they are targeted at borrowers who may have limited or poor credit histories or recent financial difficulties. Because LoanMe lends to higher-risk borrowers and the loans are unsecured, the annual percentage rates are significantly higher than those on conventional personal loans from mainstream lenders. The total cost of a LoanMe loan over its full repayment term can be substantial.
Before applying for a LoanMe loan, calculate the full repayment cost including all interest over the entire term, not just the monthly payment amount. A manageable monthly payment on a long loan term can hide a very high total repayment cost. Compare this against alternatives including credit unions, CDFI lenders, and other online personal loan platforms to understand what options are available for your credit profile and state.
LoanMe is a direct lender licensed in the states where it operates. California's lending laws apply to California borrowers, and LoanMe must comply with applicable state consumer lending regulations.
If you do borrow from LoanMe, borrow only what you genuinely need, make every payment on time, and look to refinance into a lower-cost product as your credit profile improves. Review all current terms including the full APR and total repayment amount before signing any agreement.
Quick info
Personal Loans
LoanMe
Not verified
Not verified
2026-06-06
Want to feel clearer about your money?
Ask Fin gives you simple tools for budgeting, spotting savings, exploring income ideas and building better money habits. General guidance only — not regulated advice.
Start with Ask Fin — freeMain products and services
Personal installment loans; small business loans
Additional notes
High interest rates apply. Available in limited states. Compare all other financing options before applying.Review scores are third-party public indicators only. They are not a recommendation or endorsement by Ask Fin and are not a measure of product suitability for your circumstances.
No review data available for this company.
Source URLs
Date checked
2026-06-06
How do I make a complaint about LoanMe, Inc.?
Start with LoanMe, Inc.'s internal complaints process. If unresolved, you can submit a complaint to the CFPB at consumerfinance.gov/complaint. Depending on the type of company, your state attorney general or banking regulator may also be relevant.
Is LoanMe, Inc. regulated in the US?
Use the NMLS Consumer Access tool at nmlsconsumeraccess.org to check licensing. For banks, check the FDIC BankFind Suite. For credit unions, check the NCUA Credit Union Locator. Ask Fin includes regulatory reference numbers where publicly available.
How do I find LoanMe, Inc.'s official contact details?
Always use the contact details on the company's official website. Do not use numbers or emails received in unsolicited calls or messages. Verify the website by checking the NMLS or FDIC/NCUA databases if in doubt.
What should I do if I think LoanMe, Inc. has treated me unfairly?
Document everything in writing. Contact the company's complaints team first. If not resolved, submit a complaint to the CFPB or your state attorney general. The NFCC (1-800-388-2227) can provide free guidance for debt-related issues.
Where can I get free help with a LoanMe, Inc. issue?
Contact the CFPB (consumerfinance.gov), call 211 for local resources, or contact the NFCC (nfcc.org or 1-800-388-2227) for debt and budget help. For legal issues, Legal Services Corporation (lsc.gov) provides free legal aid.
Ask Fin gives you simple money tools for budgeting, spotting savings and building better money habits. General guidance only — not regulated financial advice.
Start with Ask FinFree — no payment details needed.