LendingUSA

Name: LendingUSA: pricing, terms and score
Item: LendingUSA
Rating: 3.1

Point-of-sale installment loans that merchants, including cosmetic practices, offer to customers

3.1/5 · How we score · Last checked Oct 1, 2026

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Score breakdown

12 of 19 checks passed. The score counts what LendingUSA publishes, not how well it performs.

3.1/5

Pricing transparency1.3

Terms and commitment3.3

Med spa fit3.8

Proof and track record3.0

Support and onboarding5.0

Show all 19 checks

Pricing transparency · 1/4

–Publishes a pricenot found
–States how it chargesnot found
✓States setup or onboarding feessource
–Lists what each plan or package includesnot found

Terms and commitment · 2/3

–States the minimum termnot found
✓Publishes cancellation or return termssource
✓Offers a free trial, demo, audit or consultationsource

Med spa fit · 3/4

✓Has a page for this industrysource
–Names this industry as its only or a core marketnot found
✓Shows a named client or case study in this industrysource
✓Lists services or features built for this industrysource

Proof and track record · 3/5

–Publishes a case study with a stated resultnot found
✓Names its leadership or teamsource
✓Publishes its founding yearsource
–Has a third-party review profile with 10 or more reviewsnot found
✓Names clientssource

Support and onboarding · 3/3

✓Lists how to reach supportsource
✓States support hourssource
✓Describes onboardingsource

In one line

Publishes that enrollment is free, typical funding time, business hours and its founder and founding year, but does not publish merchant fee rates, a minimum term or how a merchant ends the agreement.

About LendingUSA

LendingUSA was founded in 2015. A patient applies through the merchant, the loan goes through underwriting, and the merchant FAQ says funds typically arrive within a few business days of the loan documents being signed.

The cosmetic surgery page says there is no cost to get started and that onboarding and training come with a dedicated account manager. The site mentions lower merchant fees without stating a rate, and notes that loans are not available in all states.

Who it is for

A cosmetic practice that wants installment loans for surgical and minimally invasive procedures, with a named relationship manager and staff training.

Pricing

LendingUSA does not publish prices on its website.

Setup fee: None; free to enroll source
Extra costs: Not published
Minimum term: Not published
Cancellation: A signed loan can be cancelled or charged back by emailing or calling LendingUSA; merchant agreement termination terms are not stated source

Prices as published on Oct 1, 2026. Confirm current rates with LendingUSA.

Services

Unsecured point-of-sale installment loansOnline merchant financing portalBrochures, web links and banners

Key features

Funds typically arrive within 3-5 business days of loan documents being signedApprovals valid for 30 daysClick-to-sign contract process$1000 minimum loan amount

Built for med spas

Named as the exclusive patient financing partner of the American Academy of Cosmetic Surgery

What it publishes and what it doesn't

On its website

✓ States setup or onboarding fees
✓ Publishes cancellation or return terms
✓ Offers a free trial, demo, audit or consultation
✓ Has a page for this industry
✓ Shows a named client or case study in this industry
✓ Lists services or features built for this industry
✓ Names its leadership or team
✓ Publishes its founding year
✓ Names clients
✓ Lists how to reach support
✓ States support hours
✓ Describes onboarding

Not found on its website

– Publishes a price
– States how it charges
– Lists what each plan or package includes
– States the minimum term
– Names this industry as its only or a core market
– Publishes a case study with a stated result
– Has a third-party review profile with 10 or more reviews

Sources

Every fact on this page was read on these pages on the date shown.