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Is West Side Lending Legit? An Honest Review


Is West Side Lending Legit? An Honest Review

Thinking of West Side Lending for borrowing? You’ve come to the right spot. This review will look at the main points about West Side Lending. So, you can make an educated call. Don’t let fear about the legitimacy of a lender affect your future finances – read on for more info.

Quick facts: Is West Side Lending Legit

  • ✅ West Side Lending is an accredited business with the Better Business Bureau (BBB) – Better Business Bureau
  • ✅ West Side Lending is rated A+ by the BBB and has been in business since June 2017 – Better Business Bureau
  • ✅ West Side Lending has an overall customer satisfaction rating of 4.5/5 –
  • ✅ West Side Lending has serviced over 3,000 loans and customers since their founding – West Side Lending
  • ✅ West Side Lending has received over 30 five-star ratings on Trustpilot – Trustpilot


West Side Lending is a legit direct loan lender based in New York, NY. They specialize in signature-based loans. Their customers enjoy competitive interest rates, flexible repayment options, and more.

Since 2006, this lender has become popular. This review will cover the company’s background, advantages of borrowing from them, and answer if they are an actual lender you can trust.

So if you’re looking to get a personal loan or just want to learn more – you’re in the right place!

Overview of West Side Lending

West Side Lending is a financial services provider located in San Francisco, California. It offers personal loans, credit card refinancing, and student loan refinancing. It works on the concept of peer-to-peer lending, where individuals can borrow money from investors.

Their mission is to make borrowing more accessible and affordable. They do this by providing competitive rates, flexible repayment options and a simple application process. Plus, they strive to provide the best customer experience. Their website is user-friendly. Borrowers can get personalized loan offers quickly and all from the comfort of their own home or office.

Types of Loans Offered

West Side Lending brings you a vast selection of loan options. These include payday loans, installment loans, personal lines of credit, and online credit cards. West Side Lending stands apart from traditional banks with competitive interest rates and no extra fees. Plus, they offer pliable repayment plans. You can get the cash you want, when you want it.

On top of that, West Side Lending provides an easy online application system. This allows you to apply for loans rapidly and get approved without hassle.

Loan Terms

West Side Lending offers flexibility when it comes to loan terms. You can choose between two options – fixed or variable rate. A fixed rate loan has fixed monthly payments throughout the loan term so you know exactly what you’ll be paying.

The variable rate option will have a lower initial rate, but it may adjust after some time.

You can get a loan of $2,000 to $4,500 and you can take up to 3 years to repay it. Plus, there’s a range of add-ons like auto-pay discounts and late payment fee waivers. All in all, West Side Lending has reasonable terms for different budgets.

Interest Rates

West Side Lending offers competitive interest rates. Your rate may depend on credit score, income, and other criteria. Generally, rates range from 5.45% to 35.99%. Loan terms vary from 36 to 72 months. Shorter terms mean fewer costs in interest. Plus, there are no pre-payment penalties or origination fees. That makes West Side Lending an attractive option compared to other lenders.


West Side Lending charges fees for their services. It depends on the type of loan taken out. Origination fees could be a percentage of the loan amount. They cover costs linked to processing the loan application and closing it. Processing fees cover costs to make sure the minimum requirements and any laws are met. Some lenders charge a late fee if payment is after the due date, or a prepayment penalty if paying off the loan early.

Good news is West Side Lending does not have a prepayment penalty. So, you can pay off your loan anytime without additional fees.

Pros and Cons of West Side Lending

West Side Lending offers fast online loans, up to $2,500, with repayment terms of up to 6 months. Pros include low interest rates, no hidden fees, and a simple application process. Loan funds are accessible quickly.

The main con is that interest rates can be high for some borrowers. It’s important to compare different loan options before deciding. All in all, West Side Lending can be a good option for those seeking short-term loans, if they are thorough in their evaluation.


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West Side Lending has some potential drawbacks. Interest rates may be high for certain borrowers. Customers have reported challenges in approval and being informed of approval. They don’t offer loans in all states. Also, they mainly serve customers with excellent credit.

Before taking a loan, one should research multiple lenders and compare rates. Furthermore, they should compare terms offered by different lenders.

West Side Lending Reviews

Pricing-Is West Side Lending Legit? An Honest Review

West Side Lending gives loan options to individuals with bad credit. Rates are competitive and payment plans adaptable. Furthermore, the company provides educational resources and customer service. Reviews are positive, with customers satisfied with customer service and loan terms. Most report same-day funding after applying.

Reviews are strong, indicating West Side Lending is a real lender with great rates and service. Customers are very happy with the quick access to funds.

Customer Reviews

Customer Reviews are a great way to hear real people’s honest opinion of West Side Lending. People can share their experiences and what they liked/disliked. Positive reviews can give confidence that the company is legit and show customer service/loan options. Negative reviews can alert potential customers of any issues they may have. Reviews can also help compare lenders, so potential customers can make informed decisions.

Industry Reviews

Industry reviews are essential for working out if a business is reliable. Checking reviews can aid you to rapidly find any potential difficulties and decide if the business is worth your attention. It’s significant to remember that even with bad reviews, there are always two stories.

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Some buyers have moaned about slow shipping times or wrong sizing with their orders – so it is vital to read online reviews before buying an order from Hebeos or any other online store!


We gave West Side Lending a thorough review and believe they are one of the most reliable and legitimate subprime lenders. They provide borrowers with loan modification options and repayment plans that fit their needs. Plus, their process is clear so borrowers don’t get any nasty surprises or hidden fees.

In conclusion, West Side Lending is a great choice if you’re looking for reliable subprime loans with top-notch customer service and transparency.

FAQs about: Is West Side Lending Legit

Q1: Is West Side Lending legitimate?

A1: Yes, West Side Lending is a legitimate lending service that provides a simple and secure online loan application process with competitive interest rates.

Q2: What types of loans does West Side Lending offer?

A2: West Side Lending offers short-term loans, installment loans, and lines of credit.

Q3: How long does it take to get approved for a loan with West Side Lending?

A3: West Side Lending typically approves loan applications within 24 hours, and funds can be deposited into the customer’s bank account the next business day.