Lenme: Investing and Borrowing 17+

Borrow, Lend & Grow‪!‬

Lenme Inc.

Designed for iPad

    • 4.3 • 26.5K Ratings
    • Free
    • Offers In-App Purchases



Lenme allows users to borrow loans up to $5,000 with no need for banks or any paperwork. Investors gain unique access to lending & earn good returns on loans funded.

Lenme app is the perfect tool helping in all connections between borrowers and investors.
Borrowers can get all the loans they need in minutes with total ease! We even allow users to continually increase their loan limit eligibility while requesting loans through the App. Until you are eligible for loans that can reach up to $5,000!

And if you have an interest to invest in lending. Lenme is your perfect gate to earn some cash and generate very good passive income. With returns that can reach up to 40%!

Benefits you can get for as low as $1.99 a month:
- No credit score required, debt-to-income ratio, or paperwork hassle.
- Creating your borrower profile and requesting a loan won’t take more than 10 mins!
- Thousands of Investors will compete to offer the best rates and you will have the power to choose.
- Get funds transferred to your bank account as quickly as the same day
- As long as you pay back your loan your limit will keep increasing until you are eligible for up to $5,000!

Lenme has the perfect investing platform!
- Diversify portfolio in a market with low volatility.
- Easily select investments that suit the level of risk you’re comfortable with.
- Enjoy withdrawing your earnings at no cost.
- Investment assistance with Lenme predict service.
- Invest in almost risk-free loans backed by Crypto as Collateral.
- Lenme Predict technology will help you get a better analysis of Borrower's profiles and earn more money while investing wisely.

Lenme has a new loan just for you - borrow up to $10,000 using your Crypto-Wallet as collateral. That's right! Borrowers Owning crypto can now connect their wallet to the app and request bigger limit loans. Investors can now earn up to $1,700 when funding Crypto-Backed Loans!

Lenme is also offering what is beyond Lending and borrowing, Amazing Features:
- Receiving up to $40 when you refer a friend to use Lenme
- Saving money through our marketplace offering amazing discounts & offers on other brands you use on a daily basis.

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 a monthly/annual subscription through Apple Pay. LenmePredict, our machine learning algorithm, is a standalone product offered for lenders through Apple Pay for purchase either per-use or monthly/annual subscription. Subscriptions will automatically renew unless canceled within 24 hours before the end of the subscription period. You can cancel anytime via your iTunes account.

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 maybe 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.

What’s New

Version 7.4.6

Refer your friends to Lenme and earn up to $40 for a limited time. We continuously improve our platform to ensure the best user experience. Check out our latest features and improvements:

1. Now borrowers and lenders can use their passports for verification
2. We have fixed bugs to provide a more seamless experience.

If you have any questions or ideas, please contact us at hello@lenme.com.

Ratings and Reviews

4.3 out of 5
26.5K Ratings

26.5K Ratings

ProundMomtoBKAMJ ,

Suggestion - Please allow loan requests submitted to be modified or cancelled

Please allow an additional loan to be requested if an offer expires instead of waiting 30 days. I had an offer but didn’t see it in time within the 48 hours and missed the opportunity (my Mom was in the hospital so I wasn’t paying attention to my phone or my offers). I would like the ability to request a new loan of an offer expired prior to 30 days or refresh my current loan to get an offer. This app has so much potential. Please consider these updates to make this a positive experience!
Good afternoon! I enjoy using this app! I have one suggestion. Please allow a loan requested to be modified or cancelled so a new loan request can be submitted. The reason is if I submit a loan request that isn’t receiving any offers I may want to change the terms of the number of months to a lower number to pay the loan off more quickly and to attract potential lenders. This would be a significant improvement to the loan request process. Right now the app says I can’t cancel an existing loan request until I have one offer but I’d like to cancel it or modify it to change and lower the number of months I initially submitted to pay back the loan. Thank you!

Developer Response ,

Hi ProundMomtoBKAMJ, thank you for the review! We appreciate the feedback and have shared it with our team. If you have any other ideas or feedback, please email us at contactus@golenmo.com.

jerizin1208 ,

Good start but needs refinement

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. 🤞

Developer Response ,

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.

jusssbeinghonest:))) ,

you will NOT get a $50-$200 loan

“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.

App Privacy

The developer, Lenme Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Browsing History
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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