Lenders Loans

What Lenders Loans does

Lenders Loans is a South Carolina-based direct lender specializing in personal installment loans, operating 18 physical branch offices across the state and an online application channel. Founded approximately in 1994, the company has operated continuously for over 30 years as a privately held, locally owned business with an employee base in the range of 11 to 50 staff. The company's product offering is narrowly defined: personal installment loans ranging from $500 to $2,500, with repayment terms of 9 to 36 months, positioned deliberately to distinguish the offering from single-payment payday loan products.

The business model is built on a direct-to-consumer origination approach that combines branch-based servicing with an online application channel, targeting South Carolina consumers who need small-dollar credit. Revenue is generated primarily through interest and fees on installment loan balances, with no B2B or institutional customer component disclosed. The company is a state-licensed lender operating within South Carolina's regulatory framework for installment lending.

No proprietary technology platform, fintech infrastructure, or differentiated digital architecture is described in the available information. Operations appear to rely on conventional retail financial services workflows for underwriting, loan disbursement, and servicing. There is no indication of in-house automated decisioning, AI-assisted underwriting, or distinct data assets that would differentiate the company on a technology basis from other regional installment lenders.

Name

Lenders Loans

Legal name

Lenders Loans

Website

https://lendersloans.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Lenders Loans is a South Carolina-based state-licensed direct lender offering $500-$2,500 personal installment loans with 9-36 month terms, operating 18 branch offices and an online application channel since approximately 1994.

Ownership category

akta.pro rank

Product category

Consumer Lending (Personal Installment Loans)

NAICS

Other Nondepository Credit Intermediation (52229)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

akta.pro secondary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

Keywords

• Personal installment loans
• Small dollar lending
• Consumer credit services
• Subprime consumer lending
• Retail lending branches

Headquarters

HQ city

Ridgeland

HQ country

United States

HQ region

North America

Offices18 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Installment Loan Interest: Revenue generated from interest and fees on personal installment loans ranging from $500 to $2,500, repaid over 9-36 months in monthly installments. No bank account required for application.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Lenders Loans provides small-dollar personal installment loans ranging from $500 to $2,500, repaid over 9 to 36 months in fixed monthly payments. The company serves South Carolina residents through 18 local retail offices and an online application channel, with same-day cash disbursement available upon approval and no bank account required to apply.

Product overview

Lenders Loans offers a single core product: Personal Installment Loans ranging from $500 to $2,500, repaid over 9-36 months with fixed monthly payments. The company operates 18 physical office locations across South Carolina and supplements in-person service with an online application channel. The company emphasizes it is not a payday lender, differentiating itself through transparent fee disclosure, face-to-face service, and flexible early payoff options.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Installment Loan Personal installment loans ranging from $500 to $2,500, repaid over 9 to 36 months with fixed monthly payments. Borrowers can apply online or in-person at any of 18 South Carolina offices. No bank account required; same-day cash disbursement available upon approval. The product is positioned as an alternative to payday loans with transparent upfront fee disclosure and no prepayment penalties.

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights1 record

Emerging players

• Enova International: Enova operates online subprime consumer lending brands (e.g., NetCredit, CashNetUSA) offering installment loans to underbanked consumers. It competes for the same customer segment as Lenders Loans but primarily through digital channels without physical branches.
• OppFi (Opportunity Financial): OppFi is a digital installment lender serving non-prime consumers with loan products in similar size ranges to Lenders Loans. Emerging fintech competitor targeting the same underbanked customer segment through online channels.

Broad incumbents

• OneMain Financial: OneMain is the largest US installment lender to non-prime consumers, with a nationwide branch network offering personal loans typically $1,500-$20,000. It overlaps with Lenders Loans' installment product but serves larger loan sizes and a broader footprint.
• Curo Group Holdings: Curo Group operates storefront and online payday and installment lending brands (e.g., Speedy Cash, LendDirect). While broader than Lenders Loans and includes payday, its installment product line is directly comparable.

Direct peers

• Regional Management Corp: Regional Management is a publicly-traded installment lender operating branches across the US Southeast and Midwest, offering small-dollar personal installment loans to underbanked consumers. Directly comparable in branch-based installment lending model.
• Heights Finance: Heights Finance operates a branch network providing personal installment loans to underbanked consumers in similar size ranges. Comparable storefront installment lending model with similar target customer segment.
• World Finance: World Finance is one of the largest US installment lenders operating through a branch network in underbanked communities, offering personal installment loans in similar size ranges. It is the closest direct competitor to Lenders Loans' storefront installment model.

Regional players

• Advance America: Advance America is one of the largest US payday and installment lenders with a national storefront footprint including South Carolina. While its core product is single-payment payday, its installment offerings overlap with Lenders Loans.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/lenders-loan

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Lenders Loans