LendNation

Online Loan Requirements

What Are the Requirements to Apply for an Online Loan?

Applying for online loans at LendNation is simple. You complete a short online  form, share a few documents, and often get a quick decision. This page explains the basic online loan requirements, what to have ready, and how to move fast from application to funding.

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Quick Answer: What you need to apply

  • Current US-issued photo ID
  • Proof of income
  • Bank statement from within the last 30 days
  • An active checking account
  • Current active phone number & email address

Am I eligible in my state?

Availability and amounts depend on your state. The application will show the options and terms offered in your area if approved. If you want in-person help, find a LendNation location near you.

How do I complete the LendNation application?

1. Start your application

Begin here: Apply Online. Enter a few basic details and create your profile.

2. Upload your documents

Add clear images of your valid ID for loans, proof of income, and a recent bank statement for your active checking account.

3. Get a decision and choose funding

Many customers receive quick decisions. Funding choices vary by state and product. For examples of timing and methods, see When Can You Expect Funding After Online Loan Approval: lendnation.com/services/online-loans/when-can-you-expect-funding-after-online-loan-approval

What counts as proof of income?

Acceptable examples include:

  • A recent pay stub with your name and pay date
  • A benefits letter that shows the amount and schedule
  • Bank deposits that show consistent income

Upload readable images with dates visible. Make sure your name matches your application.

Do I need great credit?

No. We look at more than a score. Your income and banking details matter. Credit checks may be performed based on your state and product. The application will make this clear.

How fast could I get money after approval?

Funding depends on your bank, the time of day, your state, and the option you select. For timing details and examples, read When Can You Expect Funding After Online Loan Approval: lendnation.com/services/online-loans/when-can-you-expect-funding-after-online-loan-approval

Is my application secure?

We take steps to help protect your information. Learn more here: Are Online Loans Safe?: lendnation.com/blog/article/are-online-loans-safe. Always apply through official pages like Apply Online: lendnation.com/apply

FAQs

Can I apply from my phone?

Yes. The LendNation online application works on mobile devices. You can upload documents and photos from your phone or computer.

Do I have to visit a store?     

No, in most cases, loans can be completed online. Certain loan products may require an in-person application. Visit your state loan product page to learn more.

Are requirements different for payday and installment loans?

The basics are similar: ID, income, and a bank account. Terms, amounts, and timing differ by state and product. Your agreement shows the details.

Can I apply with a new bank account?

Yes, if the bank account is active and in your name, you can apply for a loan. A 30-day bank statement will be required upon applying. Pay stubs or deposits that show income activity may also be required.

What if my ID has expired?

A valid state-issued ID or passport is required to apply for a loan.  Renew your ID before you apply, or provide an acceptable current ID such as a passport or state ID.

Will my employer be contacted?

Yes, in most cases, we will verify employment information. If we require any additional details, we will contact you.

How do I track my application?

You can track your application online and through your email notifications. You can also log in to your account online to check the status and respond to any requests.

Get your cash fast today – Apply online or in-store

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Ready to start your LendNation application? It takes only a few minutes.

Important: Loan types, amounts, and costs vary by state. Not all products are available in all areas. Read all loan agreements carefully before signing.

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