Review Insights · App Store
Lenme: Investing and Borrowing
Lenme Inc. · 77,632 ratings · ★ 4.5
4.5
★★★★★
77,632 ratings
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Top complaints - extracted from 49 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"subscription"
12 negative reviews mention this · 24% of all complaints
★★★★★ "Never funds requested loans, waste of time. I have requested a loan on this app 5 times and never once had one funded. I connected my bank and you can clearly see I have 4000 deposited biweekly and the app says lenders like to fund those who are willing to show their income, but none…" - Whathasntbeenused
2
"scam"
11 negative reviews mention this · 22% of all complaints
★★★★★ "Never funds requested loans, waste of time. I have requested a loan on this app 5 times and never once had one funded. I connected my bank and you can clearly see I have 4000 deposited biweekly and the app says lenders like to fund those who are willing to show their income, but none…" - Whathasntbeenused
3
"loan"
10 negative reviews mention this · 20% of all complaints
★★★★★ "Never funds requested loans, waste of time. I have requested a loan on this app 5 times and never once had one funded. I connected my bank and you can clearly see I have 4000 deposited biweekly and the app says lenders like to fund those who are willing to show their income, but none…" - Whathasntbeenused
4
"money"
10 negative reviews mention this · 20% of all complaints
★★★★★ "SCAM. The only thing that this app will do for you is take your monthly subscription fee. You won’t be able to get any money. The” lenders” are fake and the customer service representatives are just bots. Bad business. 0/10 BAD BUSINESS" - gu oh vh
5
"lenders"
9 negative reviews mention this · 18% of all complaints
★★★★★ "Never funds requested loans, waste of time. I have requested a loan on this app 5 times and never once had one funded. I connected my bank and you can clearly see I have 4000 deposited biweekly and the app says lenders like to fund those who are willing to show their income, but none…" - Whathasntbeenused
6
"nothing"
8 negative reviews mention this · 16% of all complaints
★★★★★ "Never funds requested loans, waste of time. I have requested a loan on this app 5 times and never once had one funded. I connected my bank and you can clearly see I have 4000 deposited biweekly and the app says lenders like to fund those who are willing to show their income, but none…" - Whathasntbeenused
7
"information"
8 negative reviews mention this · 16% of all complaints
★★★★★ "Misleading and False Information. In Short…. Security reasons were the explanation I received when in fact, after inquiring with support it was a credit check. They lied about how folks qualify and then lied as to reason that services could nit be provided. Things like t…" - wrench-minion
8
"other"
6 negative reviews mention this · 12% of all complaints
★★★★★ "Loan. This app hasn’t given me a single offer. All it does is direct me to other sites to apply. So far it’s disappointing" - qtxhhdhsnsj
9
"service"
6 negative reviews mention this · 12% of all complaints
★★★★★ "Misleading and False Information. In Short…. Security reasons were the explanation I received when in fact, after inquiring with support it was a credit check. They lied about how folks qualify and then lied as to reason that services could nit be provided. Things like t…" - wrench-minion
10
"account"
6 negative reviews mention this · 12% of all complaints
★★★★★ "Useless. I was unable to borrow so I “temporarily deactivated” my account. Well I try to reactivate my account and it had now been a 3 day ordeal which also used up all the time of my subscription. So not only could I not access anything initially b…" - pijkl
11
"waste"
5 negative reviews mention this · 10% of all complaints
★★★★★ "Never funds requested loans, waste of time. I have requested a loan on this app 5 times and never once had one funded. I connected my bank and you can clearly see I have 4000 deposited biweekly and the app says lenders like to fund those who are willing to show their income, but none…" - Whathasntbeenused
12
"bank"
5 negative reviews mention this · 10% of all complaints
★★★★★ "Never funds requested loans, waste of time. I have requested a loan on this app 5 times and never once had one funded. I connected my bank and you can clearly see I have 4000 deposited biweekly and the app says lenders like to fund those who are willing to show their income, but none…" - Whathasntbeenused
📋 All 49 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
Never funds requested loans, waste of time
I have requested a loan on this app 5 times and never once had one funded. I connected my bank and you can clearly see I have 4000 deposited biweekly and the app says lenders like to fund those who are willing to show their income, but none of that has mattered for my requests. I see the app says offers are funded for their requests constantly, I don’t believe that. I think it’s a scam. Oh and I paid 39.99 for the subscription for nothing as well.
Misleading and False Information
In Short…. Security reasons were the explanation I received when in fact, after inquiring with support it was a credit check. They lied about how folks qualify and then lied as to reason that services could nit be provided. Things like this go the FTC.
Loan
This app hasn’t given me a single offer. All it does is direct me to other sites to apply. So far it’s disappointing
Don’t bother
U pay a subscription fee but there is NO guarantee u can borrow anything. You’re at the mercy of your peers being lenders
Makes you believe there the lenders but it makes you go through other lenders
False advertising
Loan predator app
If denied they force you to seek other high interests loans
SCAM
The only thing that this app will do for you is take your monthly subscription fee. You won’t be able to get any money. The” lenders” are fake and the customer service representatives are just bots. Bad business. 0/10 BAD BUSINESS
Scam Game Incentives
Lenme lies about the opportunity to make money playing games. They pull you in by offering game prizes only to deceive you into playing games to earn money. After you reach your first few incentives, they secretly lower the rewards for reaching incentives. The moment you reach out about the issue, they will tell you they are working on a fix, then you are no longer able to communicate with them. Every message sent thereafter is ignored. I have screenshots, but of course I can’t add them. Lenme is not an app you should trust. The games demand that you allow them to get personal information from your phone in order to get paid.
Your Bank is probably not listed
They don’t bank with USAA. Useless because I can’t proceed any further on the app.
Useless
I was unable to borrow so I “temporarily deactivated” my account. Well I try to reactivate my account and it had now been a 3 day ordeal which also used up all the time of my subscription. So not only could I not access anything initially but now I can’t even reactivate anything even after their (what I’m assuming to be) AI gives me auto generated answers and solves absolutely nothing. More of a headache than a help.
SCAM!
It never gives me no cash advance or nothing I pay the membership fee and get nothing all the time support sucks too.
Never once received a loan
Been months now and never received a loan from 100-200 dollars . Either just no lenders or real lenders really. Received more loans from SoLo .
Waste of time
You fill out all this info just to not get a loan.
SCAM
This is a scam. Don’t waste your time
You will NEVER get a loan
This app needs to be removed. You will NEVER get a loan. I first downloaded this app about 2 years ago. This is a SCAM. Why? Because they charge you a fee for using their services. A lawsuit needs to be taken out on them for taking a monthly fee without lending you a loan. DO NOT INSTALL! You will wait in this cycle on trying to get a loan for months, if not years. A complete waste of time and I hope the developers are reading the reviews.
Limited banks
They don’t bank with SoFi which is a pretty big bank. Deleted.
I tried to sign up but the email verification never gets sent to me
Faulty sign up
App
Customer service is terrible they treat you like garbage but want someone to pay for their subscription 😤
Sketchy
I’m not all together sure the reviews on this app are made by real people. I’ve requested to borrow money a couple of times nothing over $200 and no “lenders” except “external partners” ever responded. You put your information in and all of a sudden your emails filled with spam and phishing scams. Yeah those types of external partners offers . I can’t believe they have the audacity to charge for a subscription when money isn’t even guaranteed
Tried to borrow twice and nothing
I def tried the app cuz I needed some money real bad but nobody let me borrow anything and it wasted my time unfortunately
DO NOT DOWNLOAD
I would not recommend downloading this app. My experience has been extremely frustrating. The company allows users to provide personal information and submit loan requests, but when I attempted to delete my account, I was informed that I could not do so because of an active loan request. Despite requesting clarification and additional information, responses have been slow and unhelpful.
Consumers should carefully review the company’s data retention and account deletion policies before signing up. If protecting your personal information and having control over your account are important to you, you may want to consider other options.
Transparency and timely customer support are essential, and unfortunately, my experience has not reflected either.
Consumers should carefully review the company’s data retention and account deletion policies before signing up. If protecting your personal information and having control over your account are important to you, you may want to consider other options.
Transparency and timely customer support are essential, and unfortunately, my experience has not reflected either.
Took too long
Ssn didn't match my birth date and help takes too damn long
Dont bother using
You have to subscribe for a loan and even the it might take days to weeks to be approved for one.
Don’t download
They will have you put your information in and then tell you you can’t delete your account until you get an offer. I’ve had an offer pending for over a month now so there is no need for the app and they refuse to delete the information. It’s useless in my opinion.
Scam bs
Typical bs. Give away all your info to bs debt forgiveness programs
bank
my bank isn’t supported so i’m unable to use this app as i wanted to try it out so im giving it 1 star . when its able to support my bank account i will give it to a shot and update my stars .
Be careful
This is scam app take my social info and my id info and ask me for a a picture them ask me for a subscription but the subscription wasn’t available after they take all my information I hope this scam don’t do nothing wrong with information
Reviews they use aren’t 100% accurate (Highly Misleading)
Lenme’s app is easy to use, but I don’t like that replies and offers often aren’t directly through them - they route to external partners. That’s the main catch, so I won’t recommend it to everyone.
(((((Many will have you repeat what you just typed to get your information leaked out and saying declined, we found another offer and keeps going on and on then your phone gets spammed heavy ))))))
They also have a toggle setting that lets them send your information to external outsourcers, releasing more of your details publicly.
Highly recommended that anyone seeking help carefully reviews these privacy options first.
(((((Many will have you repeat what you just typed to get your information leaked out and saying declined, we found another offer and keeps going on and on then your phone gets spammed heavy ))))))
They also have a toggle setting that lets them send your information to external outsourcers, releasing more of your details publicly.
Highly recommended that anyone seeking help carefully reviews these privacy options first.
Is bull it
0 stars is a scam
Scam!!!!
Makes you pay a subscription just for you to wait weeks to never get lent any money
Waste of time
You never get offers and when you do it’s just from other similar apps that aren’t actually offers. Basically charges you a membership for nothing in return.
$500 lost
I don’t understand how this app is still on the App Store. I loaned out $500 and never received a single payment.
Surveys
Spent 10 mins of a “2 min” survey and at the end when I didn’t agree to download a data tracking app it booted me and said this survey isn’t a match. What a joke.
SCAM
THEY TOOK MY MONEY NEVER BORROWED FROM THEM BUT I CANCELLED MY SUBSCRIPTION AND DEACTIVATED MY ACCOUNT THEY ARE STILL CHARGING MY CARD!!! I need my money now!!! Don’t get scammed like I did!!!!
Bad service
Your services suck just like the rest of the others
Steals info, customer service no help.
I signed up for the free trial because it said with the subscription I was promised $50 guaranteed. Well I signed up for the trial for the yearly subscription and for 3 days it says I’m not subscribed to their premium service which I am they just stole my ssn number bank info all false advertisement will file a class action suit
Thief
Stole money from me and did not return
Doesn’t work
It doesn’t work, it said paid subscription get 200. Didn’t work
Kinda bad
App is just a gateway of random places reaching out not even peer to peer lending
Don’t recommend
I’m not sure if anyone gets funded off of here but highly wouldn’t recommend this app I requested 3 loans on different occasions and each loan went expired after searching for fund for a month. Three months total don’t download.
Do not attempt
Stay away! I know times may seem hard ! But this company should be investigated
No luck
They don’t really have lenders that offer
Could be better
I haven’t been able to do anything in this app. It’s not a simple. Select this amount and get money. No it’s a long drawn out process and you may not even find what you’re looking for. I know I haven’t.
App has totally changed, sucks now
Used to be a great app where I could get an advance easily and quickly if needed. Now they just sell your info to 3rd party lenders and spam you with notifications. Can’t even just take a simple advance anymore because they got so greedy.
Awful service
I wasn’t aware that they were going to charge my account for a subscription immediately even though I accepted a free trial. On top of that I wasn’t aware they were just a third party and not a direct lender so you aren’t paying them to lend you money you are paying them to sell your information to other lenders who in turn will do the same. When I asked to cancel my request they wouldn’t allow me to, and then wouldn’t allow me to delete any of my personal information as well as not allow me to deactivate my account!!! Awful and horrible, horrible Blaine’s service they had told me to just press the deactivate button and then turned around a few minutes later to say oh just kidding you can’t.
Dice que es cash avance
Todo es muy confuso dicen que es cash avance pero luego que te cobran suscripción no te dan nada
Borrow
It takes to long to wait for an offer and to borrow money
H
Ok
Not what’s advertised
It honestly provides nothing, it’s a marketplace/gaming app, that may give you a little loan but really is trying to capture data and advertise to you. I don’t believe it’s worth the download. It has not provided any of which it advertised and the app is legitimately subpar and an example of not paying for a premium app configuration because you’re not really selling anything or providing a real service.
Sentiment summary
86%
Positive (4-5★)
3%
Neutral (3★)
11%
Negative (1-2★)