BORROW, LEND AND GROW, ALL IN ONE APP.
Life doesn't wait for payday, and now should you. Lenme is where real people secure instant $200 cash advances, fast personal loans reaching up to $5,000, and a smarter way to grow their investments, all in one platform.
NEED EXTRA CASH RIGHT NOW?
Secure an instant $200 advance in those low-balance moments. No credit check. No paperwork. No judgment. Just extra cash when you need it.
WANT TO BORROW MORE?
Request up to $5,000 and watch thousands of real lenders competing to fund your loan request in minutes. You choose the amount, the repayment period, and the offer that actually fits your life. Rates start at 3% APR only.
HATE SURPRISE FEES?
So do we. No tips, no hidden charges and no money traps. Turn on Balance Guard and Lenme quietly secures a cash advance to keep your account in the green safe zone. Forget about overdraft fees with our newest automated feature.
DAILY DEALS AND BIG SAVINGS INSIDE
Enjoy access to money-saving tools like Credit Score boosters, Insurance plans, and Side Hustle programs—all in our Marketplace.
TURN YOUR FREE TIME INTO EXTRA CASH
Ever wish your downtime paid you back? With Lenme's new gaming feature, you can. Play exciting games, complete milestones and level up, and earn up to $50 a day in extra rewards. When you're ready, cash out your earnings straight to your bank account in just a few simple taps. Actual earnings vary based on gameplay and completed milestones.
DO OWN CRYPTO? WE HAVE A SPECIAL LOAN FOR YOU!
By connecting your crypto wallet, you unlock exclusive access to Personal Loans up to $10,000—a new kind of borrowing backed by your assets. Download Lenme now and experience the smarter, faster way to access Cash Advances or Personal Loans you deserve—no matter where life takes you.
Lenme isn’t just for borrowers. It’s also the perfect gateway to Passive Income and Financial Freedom.
WANT YOUR MONEY TO WORK BACK?
Here's the part nobody else offers: flip the script and become a lender. Put your money to work and earn higher returns while others get funded.
Lenme is a lending platform that connects people looking to borrow money with financial institutions, lending businesses, and individual investors looking to invest in the loan market. Users remain completely anonymous throughout the entire borrowing/lending process. For transparency and to encourage a fair and competitive market, the “feed” tab within the app allows users to see which loans are being funded and at what interest rate.
Lenme offers monthly and annual subscription plans available via In-App Purchases. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage or cancel your subscription at any time by going to your Account Settings on the App Store after purchase.
Crypto-backed loans, our new product allows investors to fund cash loans backed by cryptocurrency owned by the borrower. Cryptocurrencies are used as collateral and may be liquidated in case of default or sudden price drop of the held currency.
Since our app is not directly involved in the lending decision, we cannot guarantee the interest rate borrowers will be offered. All borrowers have the option to request a loan on our platform for up to a 12-month repayment period, paid in installments. Lenders can offer loans for a minimum of 3% APR based on the credit score and their own criteria. The lending decision is based on multiple factors viewable on our app, including credit, income, and cash flow analysis.
A representative example of the total cost of the loan, including all applicable fees: If you borrow $1,000 over a term of 1 year with an APR of 12% and an origination fee of 1%, you will pay $89.75 per month. The total amount payable will be $1,076.96, with a total interest and fees of $76.96.
For more information, see our Terms of Use and Privacy Policy:
https://lenme.com/privacy-policy/
https://lenme.com/term-of-use/
I like Lenmo in general, it is relatively easy to use and I’ve been using it for a few months successfully. I’ve funded and had repaid several loans. However I often have errors with the app and customer service is not super responsive- it often takes days to have issues resolved. I also wish the app had a way to keep track of transaction history. For example being able to see when your lenmo account is funded, when and how much is paid out, when and how much is refunded. It will give notifications when a loan is funded and repaid but I would like something more like the transaction record of a bank account where I can the deposits and withdrawals. Also recently I didn’t receive notification of a repayment until a week after it was due- I don’t know if payment was late or lenmo was delayed in showing the notification- I would like to know so that I know whether I should be following up with lenmo about receiving my half of a late payment fee. I wish Lenmo was more transparent about where your money is and what is happening. When payments are late- are they collecting a late fee, are they making other attempts to collect, have debts been sent to collections, breaking down what’s been paid and when, keeping a running account balance. I expect these issues stem from the youth of the app, that improvements will come as the app becomes more established. I will need to take a break until current issues are resolved but I hope to be back. 🤞
開發者回覆
Hi jerizin1208, thank you for taking the time to provide your feedback. Adding the transaction history is something we are looking to implement in the near future. We have started to make improvements to the transparency of payment status. In the meantime, if you are still unsure about the status of a payment, please email contactus@golenmo.com.
It’s been 7 days.
Naye92!
I requested a loan 7 days ago. As someone else on here said, you can actually see that others have borrowed and how much. I have seen so many people getting their loans funded since even a few minutes after I requested one. Some of them are way more than my request. Like $400 and $500. Not sure if these people are coming in after and getting theirs loans funded before me or if they had to wait too. Kind of frustrating. I seen a few folks say to use SoLo but I tried that one and first off you have to have at least $1 in your account. My account is always negative but the few times I did have at least $1, I still didn’t get an offer! I just gave up. Yes, I do have an income, but I always have to put my account in the negative. They say that it takes about 30 bays before your request gets canceled I guess, well, 7 days is long for someone who actually needed help 7 days ago! I have not much luck getting other loans so I figured why not try here. Can’t even cancel or lower the amount because you have to receive an offer first to do that. It would really help me right now until I get my income in a few days! I also don’t like have to pay a fee for something that doesn’t benefit me. There is a monthly fee but why can’t that be paid after you receive your first loan? Because then you are paying for a service you can’t use if it gets denied or takes too long to get funded and you change your mind. Also, my bank is not accepted so I had to link my other account where my income does not get deposited in, so I’m not sure if maybe that is why it is taking so long?
Nice so far
ARVIN MAGUSARA
I like the UI. It’s very customer centric. However, the actual human service is Not very customer focused despite nice bells and whistles that the app has. It’s gets lost quickly in the face of bad customer service. Upon iD validation, I was told that “passports were not an accepted form of ID.” Well I was taken aback by this ridiculous assertion. Of course passports are a valid form of ID, I thought. The agenda explained that it was their vendor that had this policy, and told me in a way that was matter of fact and final. I didn’t take kindly to this as it is my expectation that customer service always try to help to the level r then at they ate empowered to. The very best will find a way to go beyond their level of empowerment. That it was just expected that I take this info and move on was a little insulting to me. Their vendor Clearly needs to understand what forms of ID are legal and valid and must be accepted and can’t be turned away because, idk, they lack the technical skills to build an ID scanner that accommodates the size of a passport (I hope it’s not that embarrassingly simple?)? Bottom line, it’s unfortunate that my initial pleasant interaction with your app was soured by a human that didn’t want to or didn’t want to be of true help rather than just fielding questions and reading back from a script which was the true disappointing issue. I still have high hopes, though. We’ll see.
開發者回覆
Hi,Thank you so much for your review! We appreciate your feedback and we are happy to have you as Lenmeon.
you will NOT get a $50-$200 loan
jusssbeinghonest:)))
“to ensure current borrowers are able to get their loan funded, we are not accepting new loan requests at this time” this is what it said to me after i quite literally spent all day on this app. wouldn’t let me connect my bank, when i would click my bank it would be stuck on a white page instead of going to the bank page so i can login. i tried to upload my id at least 15 times, i did it correct every time however it would say can’t verify id. emailed support they said they kindly require me to resubmit my id for verification. still didn’t work. after like the 15th time it finally said success, now time to add my bank so i can get funds and also pay them back. okay cool, finally working. success! bank account added. now time to request funds, i only need $60, the minimum is $50 and max $200 i think. so i set up my repayment date which is in a month, everything’s set up, time to get some money that will help me stay by the next week and a half. nope. “to ensure current borrowers are able to get their loan funded, we are not accepting new loan requests at this time” so you couldn’t tell me this before i gave you literally all my information? like it could have mentioned this at any step but no they wait until right when i go to request some money, thinking all i have to do next is wait for someone to fund me hopefully. hate this app. will be going online to find anywhere i can rate this 1 star. do not use this app. complete waste of time.
We're excited to introduce LenAI and Lenme Arcade, powerful new features designed to help lenders make smarter decisions and give users new ways to earn on Lenme. We're always working to improve your experience. Here's what's new in this update:
- Introducing LenAI: An intelligent lender agent that helps you better understand borrower profiles with deeper insights, risk signals, and smarter decision support.
- Lenme Arcade: You can now play games and earn real cash directly in the app.
- Lenme Reward Survey: Share your feedback through quick surveys and earn rewards for helping us improve your Lenme experience.
- Redesigned Login: We've refreshed the login page to make signing in faster and easier — the app now remembers your previous login method so you can jump right back in.
- Bug Fixes & Improvements: We fixed several issues to make the app smoother and more reliable.
Have feedback or questions? Reach out anytime at hello@lenme.com.
