Personal loans from 7.99% APR — no origination surprises
Funding That Moves At Your Speed
Apply online in minutes, get a decision in hours and money in your account the same week. Personal, business and property loans — priced clearly, managed from one dashboard.
4.9 rating
from 12,400+ funded borrowers
Home loans from 6.24% APR — rate locked for 90 days
A Mortgage Built Around Your Move
Your rate holds for 90 days while you house-hunt, the valuation is on us and the whole closing is digital. From first offer to final signature, one advisor owns your file.
23 days average
from accepted offer to keys in hand
Decision in 4 hours
256-bit encrypted
Get This Loan
Quick Loan Estimate
8.99% APR
Repayment term
Monthly payment
$489
Total interest
$4,340
Representative APR for excellent credit — checking your rate uses a soft search only.
$0M+
Loans funded to date
0k+
Businesses & families helped
0h
Average decision time
0★
Rated by our borrowers
Fast Decisions
Most applications are answered the same working day.
No Hidden Fees
One clear rate. No origination tricks, no early-exit penalty.
Flexible Terms
Borrow from $1k to $250k across 1 to 7 year terms.
Human Support
Real advisors on the phone, six days a week.
12+
Years in lending
Why Lendora
Good Decisions, Made Fast
Since 2014 we have backed shops, startups and families with credit that is priced honestly and approved quickly. Technology reads the numbers — people make the call.
- Soft credit check to see your rate
- Same-week payout on approval
- Repay early without penalties
- Dedicated advisor on every loan
More About Us
Hannah Reyes
Founder & Chief Credit Officer
Mortgages Without The Mystery
Fixed rates from 6.24% APR on 10 to 30 year terms. A 620+ score, 10% down and a debt-to-income ratio under 43% qualifies most buyers — and you hear back in hours, not weeks.
90-day rate lock
Your rate holds while you house-hunt — free of charge.
Valuation on us
We cover the property valuation fee on every approval.
Digital closing
E-sign the entire package — no branch appointments.
Capital That Reads Your Revenue
From 9.49% APR up to $250,000. Six months of trading, $10k in monthly revenue and a 600+ score gets a same-day decision — underwritten on your numbers, not just paperwork.
Revenue underwriting
Connect your bank feed; approval follows your sales.
Redraw as you repay
Cleared principal becomes available credit again.
Named advisor
One person who knows your file, on the phone in minutes.
One Payment, Zero Surprises
Borrow $1,000 to $50,000 from 7.99% APR over 1 to 7 years. A 660+ score and verifiable income qualifies most applicants — and checking your rate never touches your file.
Soft-search rate
See your personalised APR with no credit footprint.
Same-day decision
Most applications answered inside four working hours.
No prepay penalty
Clear the balance early and stop paying interest.
Study Now, Repay After You Graduate
From 5.50% APR with repayments deferred until six months after graduation. Enrolled or accepted students qualify; a co-signer typically lowers your rate by around 1%.
Grace period
Nothing to pay until six months after you finish.
Autopay discount
0.25% off your APR with automatic repayments.
Co-signer friendly
Release your co-signer after 24 clean payments.
Loan Services
A Loan For Every Next Step
Personal Loan
Consolidate, renovate or cover the unexpected with one simple monthly payment.
From 7.99% APRExplore loan
Business Loan
Working capital, inventory and growth funding for teams of one to one hundred.
From 9.49% APRExplore loan
Home Loan
Mortgages with honest fixed rates and a digital-first closing process.
From 6.24% APRExplore loan
Auto Loan
New or used, dealer or private sale — drive away with pre-approved funds.
From 6.89% APRExplore loan
Education Loan
Tuition and living costs covered, with repayments that start after you graduate.
From 5.50% APRExplore loan
Property Loan
Buy-to-let and commercial property finance with expert underwriting.
From 8.75% APRExplore loan
Loan Calculator
Know Your Numbers Before You Borrow
Drag the sliders and watch your real monthly payment update instantly — principal, interest and total cost, with nothing hidden in the fine print.
- Live monthly payment & total interest
- Four full calculators on the calculator page
- No sign-up needed to run the numbers
Compare At A Glance
Today’s Representative Rates
| Loan type | APR range | Borrow up to | Terms | Monthly per $10k | Borrower rating | Apply |
|---|---|---|---|---|---|---|
Home LoanFixed rate · e-closing |
6.24–7.85% | $1,500,000 | 10–30 yrs | $69/mo* | 4.9 out of 5 | Apply |
Personal LoanPopularSoft-search rate check |
7.99–19.99% | $50,000 | 1–7 yrs | $212/mo* | 4.8 out of 5 | Apply |
Business LoanRevenue-based underwriting |
9.49–24.90% | $250,000 | 3 mo–5 yrs | $225/mo* | 4.7 out of 5 | Apply |
Auto LoanNew, used or refinance |
6.89–11.49% | $100,000 | 1–6 yrs | $204/mo* | 4.8 out of 5 | Apply |
Education LoanDeferred until graduation |
5.50–9.90% | $120,000 | 5–15 yrs | $116/mo* | 4.9 out of 5 | Apply |
*Monthly cost per $10,000 borrowed at the representative APR over a typical term (personal & business 5 yrs, auto 5 yrs, education 10 yrs, home 25 yrs). Your rate depends on your credit profile.
Popular Options
Transparent Rates, No Surprises
Personal Flex
For life’s bigger moments and smarter consolidation.
7.99% APR from
$1,000 – $50,000 · 1–7 years
- Decision in hours, not days
- No early repayment penalty
- No origination fee for 700+ scores
Most Popular
Business Growth
Working capital that keeps pace with your pipeline.
9.49% APR from
$10,000 – $250,000 · 1–5 years
- Revenue-based underwriting
- Draw again as you repay
- Dedicated business advisor
Home Advantage
Fixed-rate mortgages with a fully digital closing.
6.24% APR from
$50,000 – $1.5M · 10–30 years
- Rate locked for 90 days
- Overpay up to 10% a year free
- Valuation fee on us
How It Works
From Application To Funds In Four Steps
1
Apply Online
Five minutes, no paperwork — just the basics and a soft credit check.
2
Get Your Offer
A clear rate and repayment schedule, usually within four working hours.
3
Sign Digitally
Review everything and e-sign from any device — no branch visits.
4
Receive Funds
Money lands in your account, and your dashboard tracks every payment.
Advisory Practice
What Your Advisor Actually Does
Your Mortgage, Project-managed
From offer to keys, one advisor owns your file — they chase the valuer, the solicitor and the underwriter so you never have to.
Document review
Statements checked before submission — no bounce-backs.
Rate strategy
Fixed vs tracker modelled against your plans, in numbers.
Closing coordination
Valuation, legal and lender milestones tracked for you.
Post-completion care
Rate-drop alerts and remortgage reviews every year.
David Okafor
Senior Mortgage Advisor
APR from 6.24%
Avg. days to keys 23
Rate lock 90 days
Valuation fee $0
Approval rate 94%
Support Mon–Sat
A Lender Who Reads Your P&L
Your advisor models repayments against seasonality and cash-flow so the loan fits the business — not the other way round.
Cash-flow fit
Repayment sized to your quiet months, not your best ones.
Structure advice
Term loan, credit line or both — costed side by side.
Clean documentation
One checklist, one upload — approval-ready first time.
Growth reviews
Quarterly check-ins to re-price as your revenue grows.
Sofia Grant
Business Lending Lead
APR from 9.49%
Decision speed Same day
Borrow up to $250k
Redraw facility Included
Funding speed Next day
Your advisor Direct line
Borrow Less, Smarter
Our advisors are paid on service scores, not loan size — so the plan you get is the cheapest way to your goal, even when that means borrowing less.
True-cost modelling
Every option shown with total interest, not just the monthly.
Consolidation math
Your cards and loans folded into one payment — only if it saves.
Score protection
Soft searches throughout — your file stays clean.
Payoff planning
An overpayment plan that cuts months off the term.
Marcus Bell
Head of Underwriting
APR from 7.99%
Decision speed 4 hours
Borrow up to $50k
Prepay penalty $0
Rate check Soft search
Top-up loans After 6 payments
Pay Less For Money You Already Borrowed
We re-shop your existing loans against today’s rates. If switching saves less than the fees cost, we tell you to stay put — in writing.
Break-even analysis
Exact month your switch starts saving real money.
Balance transfers
High-APR card debt moved to one fixed payment.
Term redesign
Shorter term, same monthly — when rates allow it.
Fee transparency
Every switching cost listed before you commit.
Hannah Reyes
Founder & Chief Credit Officer
Avg. yearly saving $3,140
Break-even 9 months
Exit review fee $0
Rate watch Included
Paperwork We port it
Approval rate 91%
Drive Away Without Dealer Markup
Pre-approved funds before you walk into the showroom — so you negotiate like a cash buyer and the finance desk can’t pad your rate.
Pre-approval first
Walk in with funds agreed — negotiate the price, not the payment.
New, used or private
Dealer lots, auctions or a private sale — same rate either way.
Total-cost view
Insurance, registration and interest modelled before you commit.
Trade-in bridging
A short bridge covers the gap while your old car sells.
Marcus Bell
Head of Underwriting
APR from 6.89%
Decision speed Same day
Borrow up to $100k
Pre-approval valid 30 days
Private sales Supported
Prepay penalty $0
Fund The Degree, Defer The Payments
Nothing to repay until six months after graduation — your advisor structures the loan around semesters, co-signers and scholarships.
Semester drawdowns
Funds released per term, so interest only accrues on what you use.
Co-signer planning
A co-signer cuts your rate by about 1% — released after 24 clean payments.
Autopay discount
0.25% off your APR with automatic repayments.
Grace-period coach
A repayment plan ready before your first bill arrives.
Hannah Reyes
Founder & Chief Credit Officer
APR from 5.50%
Repayments start After grad + 6 mo
Borrow up to $120k
Co-signer release 24 payments
Autopay discount −0.25%
Terms up to 15 years
Five Payments In, One Payment Out
We fold cards, overdrafts and store credit into a single fixed payment — and only recommend it when the math actually saves you money.
One fixed payment
Every balance folded into a single date, rate and direct debit.
True-saving check
Total interest before vs after — in writing, before you sign.
Score protection
Soft searches while we plan; one hard check only when you accept.
Habit dashboard
Your dashboard tracks the payoff and flags creep before it grows.
Sofia Grant
Business Lending Lead
APR from 7.99%
Avg. interest saved $2,140/yr
Fold up to 8 balances
Decision speed 4 hours
Prepay penalty $0
Credit impact Soft search
Our Team
The People Reading Your Application
Hannah Reyes
Founder & Chief Credit Officer
Marcus Bell
Head of Underwriting
Sofia Grant
Business Lending Lead
David Okafor
Senior Mortgage Advisor
Questions
Everything Borrowers Ask Us First
Short answers to the questions that matter before you apply. Need more detail? Our advisors pick up the phone.
Talk to an advisor
Call +1 202 555 0147 — Mon to Sat, 9:00–18:00
Most personal and business loans are decided within four working hours. Once you e-sign, funds are usually transferred the next banking day — and always within the same week.
No. Seeing your personalised rate uses a soft credit check that leaves no footprint. A full check only happens if you accept an offer and continue with the application.
Yes — every Lendora loan can be repaid early, in part or in full, with zero penalty. Use the Early Payoff calculator to see exactly how much interest you would save.
For most loans: a government ID and your last three months of bank statements. Business loans add your latest filed accounts. Everything uploads securely inside the application.
Testimonials
Funded And Vouched For
“Applied on Tuesday morning, signed after lunch and the money was in our account on Thursday. Our espresso machine died on Monday — we never closed a single day.”
Maria Kowalski
Cafe owner, Portland
Funded
$18,000
“The calculator showed me exactly what consolidating would cost before I even applied. My five cards became one payment — $214 less every month.”
Devon Carter
Nurse practitioner, Austin
Funded
$32,500
“A real person called within the hour to walk through my numbers. Our first warehouse is stocked, staffed and shipping — six weeks after that call.”
Priya Anand
E-commerce founder, Denver
Funded
$120,000
“I overpaid for two years with no penalty and cleared the loan 14 months early. The dashboard showed the interest saved in real time — addictive stuff.”
Sam Whitford
Homeowner, Chicago
Funded
$240,000
Trusted by 120+ brokerages, agencies & partner networks
The Ledger
Money, Explained Plainly
Ready To Fund Your Next Move?
Check your rate in two minutes — it will not affect your credit score.