Above Lending

Find a Personal Loan
The Above Lending platform allows you to find personal loan offers with your needs in mind.


Above Lending is a lending platform that allows you to find personal loan offers with your needs in mind. The platform provides information on all types of loans and how they can be used to help you get the funding you need. They do all the hard work for you to focus on what matters most—finding the right loan.

What is Above Lending?

You may have had bad experiences with other companies or websites regarding getting a loan. That’s why Above Lending was created. They want to change how people think about their finances and ensure they know all available options. Their goal is to give you access to the best loan deals wherever you are.

How Does Above Lending Work?

Above Lending works mainly by originating unsecured personal loans for consumers on their behalf and the lenders they partner with. It also markets other financial products and services. Above Lending also offers the help of a loan specialist that makes it easy for you to get the loan that’s best for you. The process is simple and completed in 3 steps:

  1. Find Your Offer: Above Lending will ask you for your basic info; all you need to do is confirm and look up your personalized offers.
  2. Review Your Offers: You can view the financial products available, or a loan specialist can help you pick the best offer for your needs.
  3. Get Your Funds: Once your loan is approved, you can get the funds deposited into your bank account within 24 hours. You don’t even have to wait for the next business day.

What Can You Use the Funds of a Personal Loan For?

You can use personal loans for just about anything. From paying off debt to saving for an upcoming vacation, there are many reasons why you should consider using this type of financing. Personal loans are versatile and flexible, which means you can use them for almost any reason.

Why Choose Above Lending?

When you use Above Lending, you’re guaranteed to receive the loan deal available in your area that fits your specific financial situation. In addition, their comparison system ensures that you only ever see the loan deals that fit your needs and with competitive rates that you can access. And because they partner with thousands of lenders, you’re more likely to get the loan you need.

Even if you have a less-than-perfect credit score, you can still access the loan offers since the initial process does not ask any questions about your finances. Instead, all you need to provide is some basic information such as your name, address, phone number, email address and how much you’d like to borrow to view the loan you may qualify for.

Will Applying for an Above Lending Personal Loan Affect Your Credit?

Searching for a loan through Above Lending won’t affect your credit report since they won’t check your credit history before approving your loan. This means that you can review your loan offers without worrying about damaging your credit scores.

If you check your rates and loans from Above Lending Partners and their lenders, they may perform a “soft” inquiry on your credit score. A soft inquiry will also happen if you agree to an offer and give them your banking info.

Hard Inquiries are only generated once or before your loan is funded. Above Lending or their partner lenders will perform a hard inquiry on your credit file, which could negatively impact your credit score and be visible to third parties once you are ready to move forward with a formal application.

How Much Can You Borrow?

The loan amount you can borrow will depend on several factors, but generally, Above Lending offers loans between $1,000 and $100,000. Their annual percentage rates (APR) range from 4.9% to 35.99%, while their origination fee ranges from 1% to 6% of the amount financed. Interest rates vary between 4 and 84 months. However, it’s important to note that only high-creditworthy borrowers receive the highest loans at lower interest rates. If you choose to pay your loan early, you will not pay any prepayment penalty fees. And, of course, you will be presented with all the loan details, such as the loan amount, loan term (or repayment term), monthly payments, rates and any fees you may have to pay, before proceeding with a formal application.

Is an Above Lending Personal Loan Right for You?

If you want to take advantage of competitive interest rates, then an Above Lending personal loan may be right for you. When you compare their rates to those offered by traditional banks, you’ll find that they’re significantly lower. Also, since they partner with lenders, you will have a higher loan approval chance than traditional lenders.

How to Get Started with Above Lending

It’s straightforward to use Above Lending. Just visit their website and fill out the form to view the available rates and offers. Then, if you need help, a loan specialist can help you choose the loan that fits your needs and assist you through the process.

Above Lending

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Above Lending Products and Services

Personal Loans
Personal Loans

Above Lending Personal Loans

Access a personal loan that best fits your needs, and get help from a loan specialist throughout the process.

Learn more

Why Us

Personalized Offers

Get the loan that you need based on your unique situation.

Easy Application Process

A simple online application makes applying for a loan quick and easy. Once you complete it, you can start receiving offers within minutes.

Fast Approval

Above Lending lets you e-sign your documents to get approved immediately and get the funds faster.

Find a Loan for Your Needs

With Above Lending, you can easily find loan offers that suit your needs. They make searching for offers easy and applying for a loan quick and simple. After reviewing offers, get help from a loan specialist to choose the right loan for your situation.

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