Consumer Financial Protection Bureau
The Consumer Financial Protection Bureau supervises consumer lending and enforces federal consumer financial laws in the United States.
The best consumer lending software in the United States
Lending can be profitable, but it is hard work. Lendsqr's consumer lending software makes it easier: start, launch and grow your loan business across multiple channels and make smart decisions, all at a fraction of the cost.
Quick Integration. Set up your lending business with time-saving integration.
Automated Processing. Real-time automation to optimize your business.
Fully Customizable Choose from powerful features that work for your business.
Lending in the United States at a glance
- Regulators
- Consumer Financial Protection Bureau, Department of Justice, Federal Reserve System, Federal Trade Commission, and National Credit Union Administration
- Credit bureaus
- Caribbean Credit Bureaus Ltd. (CCBL), Equifax, Tenant Profile Network (Pty) Ltd, TransUnion, and Teikoku DataBank
- Local currency
- United States Dollar (USD)
- Lenders listed
- 75
Regulators
Who regulates lending in the United States
Lenders in the United States answer to these bodies. Check their current licensing and reporting rules before you start lending.
Department of Justice
The U.S. Department of Justice (DOJ) is responsible for overseeing the enforcement of federal laws, including antitrust laws and civil rights protections.
Federal Reserve System
The Federal Reserve System is the central banking system of the United States, responsible for conducting monetary policy, regulating financial institutions, and ensuring the stability of the financial system.
Federal Trade Commission
The Federal Trade Commission (FTC) is a U.S. government agency responsible for enforcing antitrust and consumer protection laws.
National Credit Union Administration
The National Credit Union Administration (NCUA) is a U.S. government agency responsible for regulating and insuring credit unions.
All the capabilities
you need to simplify your lending process
Our robust end-to-end loan management software enables us to offer support throughout the entire lending lifecycle.
Origination means receiving and setting up loan requests.
origination
We’ve digitized the entire loan origination process
Launch your lending business effortlessly across multiple channels including web, mobile, WhatsApp, USSD, and APIs. Our lending software solutions get your loan business up and running in as little as 30 minutes.
Channels & Distribution
Create and manage diverse loan products that cater exactly to what your customers want, all with our easy-to-use management tools.
Learn more about Channels & Distribution
Loan Product Management
Savings & Investment Management
Manage your entire lending operations all-in-one place
With Lendsqr's advanced loan management back office, you gain total control and clarity over every aspect of your loan business.
customer MANAGEMENT
The most efficient customer management tool for lenders
Easily scale to manage your growing customer base. Track your most important customer metrics such as onboarding attempts, active and inactive users, and logins.
transaction monitoring
Track real-time data on all the transactions in your business
Gain a wider overview and summary of all the transactions that happen in your loan business. View and download all settlement summary data for faster resolutions and planning.
automations
Reduce the risk of manual errors
Our back office is fully equipped with powerful automations that reduce the time it takes to complete repetitive tasks like approvals, disbursement and repayments, allowing you to spend more time on growth.
teams
Unleash efficient collaboration within your business
Simplify teamwork by inviting team members and assigning specific permissions for streamlined business management. From risk assessment to client interactions, Lendsqr makes collaboration easy, enhancing your overall lending efficiency.
reporting
Get detailed insights on your business
Our dashboard and reports provide you with extensive data on how your products and customers are doing. Monitor your top performing products, customers and other metrics, helping you channel your efforts better.
Lenders in the United States
75 lenders in the United States are listed in the Lendsqr lender directory.
Lenders by type
75lenders listed
- Bank31
- Fintech22
- Credit Union10
- Money Lender5
- SME Lender4
- Microfinance Bank2
- Other Lender1
Typical loan size
USD 1,000 to USD 50,000
Typical loan tenor
12 to 60 months
Shortest to longest typical term
What borrowers usually need
- Complete a loan application.
- Provide valid government-issued identification.
- Proof of income
- Valid ID
- Age 18+
Lenders to explore
Consumer lending software for the United States
Lendsqr helps lenders in the United States offer personal, salary and payday loans. Set your loan products, interest, fees and tenors, and let your decision model check each borrower.
Borrowers apply on your website or app, and your team handles approvals, repayments and reminders from one back office.
Pricing in the United States
Choose the plan that suits your needs. Paid plans also have a one-off setup and licensing fee, quoted during onboarding.
Free
$0
Per month, billed monthly
Free Features:
Loans and loan Products
Decision Models
Disbursements
Customer Web App
Pro
$200
Per month, billed monthly
+ one-off setup fee, quoted during onboarding
All features in Free +
Team management
Offer letters
Approval Workflows
Web App Customizations
Business
$500
Per month, billed monthly
+ one-off setup fee, quoted during onboarding
All features in Pro +
White label mobile app (with additional cost)
Customer Groups
Referral Configurations
Savings and Investment
Adjutor API Service
Enterprise
Custom
+ one-off setup fee, quoted during onboarding
All features in Business +
External loans (Web SDK)
Custom mobile app
CBA/ERP Integrations
3rd party integrations
On-premise deployment license
WHY LENDSQR?
We've overcome every challenge to empower your success.
Having encountered nearly every issue a lender might face, we offer comprehensive solutions. By choosing Lendsqr as the backbone of your digital lending platform, you are choosing guaranteed growth and success.
Cost effective
Launch at 5% of the cost of building your own proprietary platform.
Faster time to market
Launch on the web in as little as 30 minutes, add USSD within hours, and go live with a mobile app in weeks.
Community immunity
Access to tons of data from other lenders to collaboratively block bad borrowers.
Expertise
Lendsqr talents have extensive experience with credit, data, and tech.
Lenders love Lendsqr!
Our strong capability and robust platform enable us to offer support across the entire lending lifecycle.
3.7m+ customers
Our Lending-as-a-Service platform helps lenders serve over 3.7m humans across the world.
Available in 190+ countries
We're global but also localized for every currency and locale.
Cost effective solution
Getting started with Lendsqr is very affordable. Our lenders leverage a robust infrastructure at a fraction of the cost it would take to build theirs!
30 mins average time to market
It can take as little as 30 minutes for a lender to sign up and start accepting loan requests. Yet, we also deliver customized features in record time.
Trusted by lenders world-wide
We're helping lenders across the world scale their loan business
Trusted by established lenders around the world
Enterprise and small teams rely on Lendsqr.
Lendsqr has significantly expedited our entry into the difficult but large retail lending market. Their solution not only shortened the time to market but also at a significantly reduced cost.
Abubakar Suleiman
CEO, Sterling Bank (SnapCash)
Get providers to power your lending in the United States
Need the right providers to support your lending? We’ve gathered everything from payment solutions to KYC tools, credit checks, and bank statement services all in one place. Let’s help you get started with the right partners today.
Explore now (opens in a new tab)
Providers lenders in the United States work with
Credit Bureau
Caribbean Credit Bureaus Ltd. (CCBL)
Caribbean Credit Bureau Ltd has an aim to re-launch its credit bureau service in the OECS, with a primary focus on meeting regional needs. They are committed to providing concrete solutions that enhance the efficiency and speed of credit application processing, along with business strategies to reduce bad debts and eliminate loan delinquency through effective recoveries.
Equifax
Equifax is a trusted global leader in data, analytics, and technology, providing insights that empower decision-making and drive progress. With nearly 15,000 dedicated professionals focused on putting people first, they aim to foster economically healthy individuals and communities in every market we serve. Their solutions enable businesses to make smarter, faster decisions.
Tenant Profile Network (Pty) Ltd
Tenant Profile Network Credit Bureau is the largest and most trusted collector of employment, rental, and school fee payment information in South Africa. It has integrated over 40 data provider systems to guarantee accurate and secure data inflow from organizations of all sizes and types.
TransUnion
Transunion offers total credit protection all in one place from credit score, credit report and credit alert. Transunion is a registered credit bureau and a repository of credit information on consumers and businesses. TransUnion provides a spectrum of risk and credit analysis products that help business make smarter decisions.
Payments
Flutterwave
Flutterwave is a fintech company founded in 2016, focused on building seamless payment infrastructure for businesses worldwide, with a strong emphasis on the African market. The company's mission is to simplify payments for endless possibilities, enabling businesses of all sizes to accept, process, and disburse payments through a range of versatile payment solutions. With a robust platform that supports multiple currencies and payment methods, Flutterwave has become a key player in connecting Africa to the global economy.
2checkout
2Checkout is a leading digital commerce and payments platform that enables companies to sell products and services globally through multiple channels. It helps businesses acquire customers across diverse touchpoints, improve retention, optimize subscription billing models, and increase revenue through flexible payment solutions.
AccentPay
Accent Pay (often associated with Akurateco’s payment infrastructure) refers to a white-label payment processing and payment orchestration solution used by banks, PSPs (payment service providers), and merchants. It is part of the broader Akurateco ecosystem, a fintech infrastructure company originally founded in Eastern Europe with operations across multiple regions, including Belarus-linked development teams and fintech partnerships.
Acepta Fintech Solutions
Acepta Fintech Solutions offers cutting-edge financial technology to streamline payment processing and improve financial operations for businesses. Its goal is to simplify transactions and enhance business efficiency
Mobile money
Boku, Inc.
Boku, Inc. is a mobile payments company that enables businesses to accept online payments through carrier billing and mobile wallets.
Xoom
Xoom, a PayPal service, facilitates fast and secure international money transfers to over 120 countries.
Verification
4stop
4stop is a cutting-edge identity verification and fraud prevention provider dedicated to helping businesses protect themselves from identity theft, fraud, and regulatory risk. With an emphasis on accuracy, speed, and global coverage, 4stop delivers reliable end-to-end verification solutions that streamline onboarding, reduce friction, and enhance trust.
Blend
Blend is a financial technology company that provides a digital lending platform designed to streamline and automate the lending process for banks and financial institutions. Blend focuses on improving the consumer loan and mortgage application experience through automated workflows, digital document collection, and real‑time data verification.
bronID
BronID offers automated identity verification solutions that help businesses comply with KYC regulations efficiently. Their platform allows organizations to authenticate users, verify official documents, and ensure that only legitimate customers access their services. By combining automation with secure verification methods, BronID reduces manual workload, minimizes fraud risk, and accelerates onboarding processes.
Civic
Civic is a digital identity and authentication platform that enables individuals and businesses to securely verify identities online. Using blockchain‑enabled technology, Civic provides decentralized identity solutions that help reduce fraud, speed up onboarding, and give users control over their personal data.
Loan Recovery
Atradius collections
Atradius Collections is an international debt collection and receivables management company that helps businesses recover overdue invoices and unpaid commercial debts. It operates as part of the global Atradius Group, which specializes in credit insurance, credit management, and debt recovery services.
Bfree
Bfree is a Nigerian-founded credit management, debt recovery, and distressed debt technology company focused on helping lenders recover loans through ethical, technology-driven collection systems. Founded in 2020, the company works with digital lenders, microfinance banks, commercial banks, and financial institutions across Africa.
Coface Algeria
Coface Algeria is a credit insurance company that provides credit insurance and debt collection services.
Creditech collection solutions
Creditech has been synonymous with innovative and intelligent financial engineering. They’ve helped implement recovery strategies for a wide range of businesses and municipalities and they pride themselves in giving their consumers the best customer experience.
Questions about lending in the United States
Who regulates lending in the United States?
Lending in the United States is regulated by Consumer Financial Protection Bureau, Department of Justice, Federal Reserve System, Federal Trade Commission, and National Credit Union Administration. Check their current license and reporting rules before you start lending.
How many lenders in the United States are listed on Lendsqr?
The Lendsqr lender directory lists 75 lenders in the United States.
How much do lenders in the United States typically lend?
Typical loans from lenders listed in the United States range from USD 1,000 to USD 50,000.
Which credit bureaus operate in the United States?
Lenders in the United States can check a borrower's credit history with Caribbean Credit Bureaus Ltd. (CCBL), Equifax, Tenant Profile Network (Pty) Ltd, TransUnion, and Teikoku DataBank.
How much does Lendsqr cost in the United States?
Paid plans in the United States start at USD 200 a month. The pricing section on this page shows what each plan includes.
Which payment providers do lenders in the United States use?
Lenders in the United States disburse and collect with providers such as Flutterwave, 2checkout, AccentPay, Acepta Fintech Solutions, Apexx, Bamboo Payment, Bottomline Technologies, and Braintree.
How do lenders verify borrowers in the United States?
Identity and verification providers in the United States include 4stop, Blend, bronID, Civic, ComplyAdvantage, ComplyCube, Dojah, and Fenergo.
Who helps lenders recover loans in the United States?
Loan recovery providers in the United States include Atradius collections, Bfree, Coface Algeria, Creditech collection solutions, Debitura, Debt Kontrol, Debt Works Credit Management, and ABC-Amega.
