LendingUSA

LendingUSA

Reviews Summary

Most reviews praise the company for excellent customer service, helpful representatives, and efficient loan processes. Many highlight professional, friendly staff who provide clear explanations and quick approvals. However, some negative reviews mention poor communication, long wait times, hidden fees, and questionable practices, with a few calling it a scam. Overall, positive experiences dominate, but concerns about transparency and trustworthiness appear in lower ratings.

About This Listing

Bookkeeping
Accounting
Audit
Assurance
Business Consulting
Financial Statements
Payroll
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory

Who Can Work with a CPA?

Individuals seeking tax prep, retirement planning, or financial advice
Small business owners needing bookkeeping, payroll, or tax compliance
Freelancers and contractors with 1099 income or complex returns
Couples planning finances together or managing joint returns
Investors with capital gains or rental property income
Anyone looking for year-round financial guidance and peace of mind

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First-Time Clients

If this is your first time working with a CPA, don’t worry — most professionals offer a free consultation and will walk you through what to expect. You may be asked to complete an intake form, share financial documents, or set clear goals for your session.

What to Know Upfront:

Documentation Bring your most recent tax returns, income details, and any financial concerns
Availability Appointments fill up quickly during tax season — book early if possible

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What to Bring

Government-issued ID for verification
Tax documents (W-2s, 1099s, investment summaries, etc.)
Receipts or logs for deductible expenses, donations, or mileage

*Tip: Organize your documents in advance to save time and ensure accuracy.*

Preparing for Your Appointment

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Know your deadlines for filing, payments, or compliance

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How to Get Started

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Other Helpful Info

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Fees may be flat-rate, hourly, or based on service complexity
Some CPAs specialize in industries like healthcare, real estate, or tech
Check for client reviews and credentials (CPA license, EA, etc.)

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Features

Bookkeeping
Accounting
Audit
Assurance
Business Consulting
Financial Statements
Payroll
Tax Preparation
Tax Planning
IRS Representation
Financial Advisory

Contact Information

Address

15303 Ventura Blvd Suite 850

Sherman Oaks, California 91403

Hours

Sunday Closed
Monday 7AM-6PM
Tuesday 7AM-6PM
Wednesday 7AM-6PM
Thursday 7AM-6PM
Friday 7AM-6PM
Saturday 7AM-4PM

Customer Reviews

My experience with Lending USA was exceptionally positive and truly memorable. From the very beginning of the process, I felt supported and well-informed. I had the pleasure of directly interacting with Julio and David, who both went above and beyond to ensure that my needs were met. They were incredibly courteous, always greeting me with a friendly and professional demeanor that immediately put me at ease. Julio was particularly attentive, taking the time to thoroughly explain each step of the lending pro

I recommend LendingUSA to anyone looking for any type of loan. The application process was fast and easy, and I had the money I needed in no time! My loan coordinator, Manny, was efficient, professional and very patient. He answered all my questions thoroughly and helped me to get where I needed to be. The applying process went smoothly and everyone I talked to provided excellent customer service. The whole experience with LendingUSA was positive and the end result very rewarding. They got me the money

The service was awesome from the beginning to the end. They were incredibly patient, explained everything in details and will personally guide you through any technical issues that may come up. The service was very professional and your business is their number one priority.thry truly exemplify - putting people first! Now to can rest peacefully!

Every time I deal with Frank I'm told something different or given wrong details. Dealing with Frank has been very frustrating and now I feel like I've been lied too. Very upsetting for someone trying to do their best to better my debt issues! The process of the loan was fine.

Chanae and Jonathan were very knowledgeable and helped me understand the process. They both made me feel comfortable with my decision and never pressured me into anything. I appreciate their help.

Frank Hernandez was extremely helpful to me in the application process for my consolidation loan. I appreciate the approval and fully plan to pay this loan off early. Thanks for all your support.

Extremely questionable business practices. After applying for a loan i received an email informing me that my application was incomplete and the loan request would not be approved if incomplete by a certain date. Which was 3 days after I received the notice. The disturbing issue here is that they didn't note what information was missing. Just a threat to boot my app out. A respectable lender would have been more professional. I walked away. Caveat emptor!

I would like to take this time to thank Mr. Julio Garcia from Lending USA for helping me payoff a few of my delinquent loans through a great program he introduced me to. I am grateful for his expertise on consolidation debt loans and his professional advise on how to use my debt payoff. Again, thank you very much.

Jose was wonderful! He explained everything with great detail. I'm excited to get this next chapter started! Thank you!

To whom it may concern ToI just want to say thank you Frank Hernandez for helping me out with my loan and being patient with me and understanding what it is that I'm needing done and that it will be greatly appreciated that I will send others your way to let them know the help that I have received from you and your lending company in the process of helping me deal with my debts. Thank you and have a great day!! Sincerely: Jeffrey Parker

Frank Hernandez was very good at walking me through the process of my loan. However ! A fast talker ! Needs to slow down a bit ??. Ver polite as well.

EXCELLENT customer service.. patient and answered any and all questions.. informative with understanding loan and term agreement.. Would recommend Julio.. He helped me extensively and stayed in contact to make sure that I understood all of the details of my new loan Thank you

Long wait time and constantly got put on hold while redirected to multiple people and had to repeat my information a lot to different people. The real people I spoke to were nice though. Had an appt scheduled to give a survey and kept getting hung up on from their automated system. They need to work on their communication system.

Thank you LendingUSA for further allowing myself to continue to settle my debt now with a smaller payment plan! Your associates have been polite, professional, knowledgeable, and courtesy in their dealings with the customer. I would recommend your company for those seeking debt relief.

It's been a great experience working with Jonathan Choi and the team at lendingUSA/FreshStart. Thank you Jonathan! Looking forward to getting these accounts resolved and behind us! :)

Excellent customer service from Julio Garcia. He explained everything about the loan very well and very professional. I was satisfied with everything. Thanks

Kesha was extremely helpful in my time if need!!! I am experiencing a tragic loss in my family and she was very patient as well as professional

Frank Hernandez was very professional and knowledgeable. He was able to answer all my questions and made my loan process very easy.

The experience was great, I appreciate Frank for taking his time and patience to explain to me, thank you again

The loan process to consolidate my debts was fast and easy Frank Hernandez was great and understanding.. Answered all of my questions and made me feel comfortable in making my decision.

Frank Hernandez was a big help through the process and understanding how much better my credit would be. Thank you to the team for getting me to where I wanted to be!

Frank Hernandez was very helpful getting the loan setup and approved. Appreciated his patience with all my questions.

Jonathan was kind enough to walk me hrough the process He was very helpful and knowledgeable.

Everything went easily until it came to photos of drivers license. Approx 20 minutes it took to get a clean photo to upload. It was very frustrating.

Frank was very knowledgeable and professional. I appreciated his help in the process of securing my loan.

LendingUSA made it so easy for me to get approved! Walked me step by step. Got approved within 48 hours. Customer service are all lovely people! Answered all my questions without hesitation.

LendingUSA approved me for a loan based on my steady payments to another company, not based on my credit. Many people need that type of assistance. LendingUSA is helping me to reach my goal debt-freedom quicker than expected!!

I had a great expererience with LendingUSA, especially Ameenah was genuinely helpful, knowledgeable and accommodating. Great customer service.

Manny was tremendous as was everyone I had dialogue with. A stand up company with constant communication and fast and reliable answers. Highly recommended!

Person i just spoke with was very understanding and helped with my current issue.He was pleasant to talk to and very professional..

Frankie Hernandez was really great! Thank you for all of your help and expertise, I really appreciated it.

Julio did a fantastic job and kept me in the loop as my application was being processed.

Frank Hernandez was very helpful made me feel very comfortable with my loan acceptance explained everything to me and was very friendly

Frank Hernandez was polite and helpful. A great guy. Diane Jackson

Frank Hernandez he was very attentive and polite he take his time to translate all the information for me English to Spanish and explain all my options on ny loan tanks alot for this opportunity to get back on track on my debts

Frank Hernandez was very helpful in walking me through everything I needed to do to get my loan.

I have filled out a merchant application twice in the last six months and have not heard back. I called the number listed on website multiple times and get sent to voicemail every time. I have left messages and no one has returned my calls.

I had a great experience with my loan application process, Julio Garcia was very friendly professional and knowledgeable i appreciate his explanation and helpful information I would like to say thank you !!

Rep was extremely helpful and was able to set me up for biweekly payments.

Franks Hernandez was great! Very friendly and explained everything thoroughly!

Johnathan Choi was so good at explaining everything. He was so patient when I couldn't hear him. The whole experience was very pleasant.

Josh helped us throughout the process of getting our puppy Joey. Josh was very helpful and nice. We will come back to him again .

Excellent assistance with the loan process. Jonathan Choi was well informed and great to work with.

I was able to get a funeral loan with no problem. The only thing that I didn't like was that I was supposed to be dealing with a certain person, but this person never returned 4 phone call messages, 2 emails or 2 texts (within a weeks time span). Oh and it never failed what time of day it was I was either #1 - 3 no one would pick up after 5 minutes then it would send me to voicemail. I finally gave up on calling and not getting an actual person so instead I went with emailing the main borrower services com

Much confusion throughout the process. Customer service reps are not comfortable with the English language. After pre-approval, I was asked to submit the same documents multiple times. Interest rate is terrible. The loan origination fee is not disclosed until the end of the process. With the interest and fees, it amounts to approximately a 40% interest rate. Barely legal. I would NEVER recommend this company!!!

Very easy and was walked through the entire process. Frank Hernandez helped me out and answered all my questions.

I've just recently began working with LendingUSA in their Fresh Start program~ So far my conversations have been straight to the point and encouraging~ There is still work to do getting my finances on track but I see light at the end of the tunnel~

Very easy and very friendly to work with. Highly recommend

Very pushy and when you have questions dismissive. Daniel was my account representative and moments on the phone with him just flat out rude. " I don't know how else to explain it." I did not like the interaction I had with them and went a different route when I spoke to the supervisor Jonathan about not needing the service he was very rude and abruptly ended the call when he realized I would not be borrowing from them with a 26% interest . Just a yucky experience in all.

Very nice and professional. Extremely pleasant to work with, and very efficient to getting things done.

Julio Garcia was very good to work with and I appreciate the company always taking my calls and answering my questions

I've been aggressively paying down my high interest debt. LendingUSA is a very instrumently tool to use. Playing hardball with CC's companies sometimes makes your credit score take a hit. LendingUSA worked with my Alleviate Financial team to negotiate a payoff that was manageable.

Very good customer service. They explain from detail to detail of your lawn before making any decisions and they do answer every question that you may have.

I just read All of the ratings All seems 4 Stars I guess I couldn't get phone calls at work when they called it not a good time

I had a wonderful great and fabulouse journey with lending USA when you call them they are always willing to help and take care of the situation they are super .

Leo Flores was very kind and kept things simple and understandable. Highly recommended.

Pretty straight to the point and good customer service. I actually didn't mind not having to stay on hold for forever.

Very surprised at all the help and how pleasant everyone has been. Shortly we will be debt free all thanks to Lending USA.

Lending USA was great in helping with payoff my debts. I highly recommend them 100% Thank You Guys

I'm still not sure if this business is legit because they are offering me a loan but they couldn't deposit money into my account because of my credit report or something & now they want me to pay a hundred dollars first before I get my loan. It just doesn't make sense to me

Jonathan made it very easy to complete the loan process. I could not be happier.

It was so very good , Jonathan was very kind and explained everything very clearly

It was pleasant like talking with a friend. Answered my questions and helped me understand

Jonathan was clear and concise. He answered all of my questions and was very knowledgeable

Very helpful and informative..dealt with Julio who was able to explain plan very well...highly recommended.

WOW !? VIVIAN - WAS - SO - POLITE - & - HELPED - ME - CALM - MY - NERVES !? THROUGH - THE - ENTIRE - PROCESS ? SO - SATISFIED - 1000 - THANK - YOU - LENDING - TREE - FOR - YOUR - TRUST !? ??

Lending USA has been great helping me with the financial needs and Viviana is so pleasant to work with and helped answer all my question!!

Excellent, Easy, best thing I've done. Thank you.

Very easy to speak to. Walked me through the process in detail. Easy to get a hold of.

Frank Hernandez did quite an efficient job in setting up the loan that I really needed. Than You, LendingUSA, Thank You, Frank!

Frank was knowledgeable, answered all my questions, and was quick!

Good work Lending USA. Special thanks to Frank Hernandez , for his professionalism and patience. Jerry Long

Frank was very helpful and guided me through the whole process.

Wish I could give a zero. They have the worst customer service you can be in a hard time and call and be assured no payment will be deducted and remove consent for the payment and they will take it out anyway. Then no one knows the refund policy you get 3 days from one representative. No more than 15 from another. Then when you talk to a new representative it could be 30 days. Do NOT use this company

Very quick on the the decission for the loan. The rep. was very friendly.

Very smooth process. Would recommend to others. Professional staff.

They made the process so easy and the people were very friendly.

Wish I could give a zero. Worst company ever. Very deceitful, terrible customer service. Nobody knows what is going on or what things mean in the contract. Sneak in fees that aren't on the contract. Never thought it would be so hard paying a loan in FULL just to get the hell away from these people. Request a call back and good luck they can't even commit to that.

LendingUSA what can I say, Leo Florez was patient with me getting started with my loan.. I can say that I'm Happy with the help Leo did for me???

They were polite and the process was quick and simple. I recommend them!

Great company to work with, friendly ,knowledgeable people.

This place is a scam Jonathan just scammed me out of my money and said that I if I paid this fee my loan was approved and would be deposited into my account in an hour it's been over an hour no money and the phone number that we were communicating on now is not working. DO NOT WORK WITH THIS COMPANY I'm going to the BBB next.

Got loan right away, interest is high. But if you pay it off in 3 months you will not have to pay any interest.

Very fast, easy, and friendly service, the only thing I'm not happy with is the interest rate.

Thank you LendingUSA. The process was very fast and stress free. No need to complete a bunch of paperwork. Highly recommended to everyone needing to consolidate their loans.

It was quite an experience. I was spared from headaches and heartaches, disappointments. Lending USA came through right on time. Thank you

I was connected to Lending USA through a debt relief agency, Consumer Debt Relief. The process was very smooth and both groups did a nice job of explaining the terms and the loan was done very quickly and efficiently. Thank you for helping move to the end of this journey!

Very easy process. The agent was nice and courteous.

Frequently Asked Questions

What qualifications should I look for in a CPA?

Look for a Certified Public Accountant (CPA) license, which ensures they’ve passed rigorous exams and meet state requirements. Check for relevant experience in your industry, additional certifications like CFA or CMA, and membership in professional organizations like the AICPA. Verify their credentials through state licensing boards.

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Use online directories like the AICPA, CPAverify, or state CPA societies. Search platforms like Yelp or Google for local CPAs with reviews. Ask for referrals from business associates, friends, or financial advisors. Local chambers of commerce can also provide recommendations.

What’s the difference between a CPA and an accountant?

A CPA is a licensed professional who has passed the CPA exam and met state requirements for education and experience. An accountant may lack this certification and could have varying levels of expertise. For complex tasks like tax audits or financial reporting, a CPA is typically more qualified.

How do I know if a CPA specializes in my needs?

Ask about their experience with your specific financial needs, such as tax preparation, small business accounting, or estate planning. Review their website or LinkedIn for case studies or client testimonials. Inquire about their client base to ensure they handle similar financial situations.

Should I check a CPA’s reviews before hiring?

Yes, reviews provide insight into a CPA’s reliability, communication, and performance. Check platforms like Google, Yelp, or the Better Business Bureau for client feedback. Look for patterns in reviews, but verify their authenticity, as some may be biased or outdated.

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Beware of CPAs who guarantee specific tax refunds, lack a valid license, or have disciplinary actions on record. Avoid those with poor communication, vague fee structures, or negative reviews highlighting unethical behavior. Always verify their credentials independently.

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Large firms offer more resources and specialized teams but may charge higher fees. Solo practitioners often provide personalized service and lower costs but may have limited availability. Choose based on your needs, budget, and preference for personalized attention.

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For individuals, annual meetings for tax preparation may suffice. Businesses may need quarterly or monthly check-ins for bookkeeping, tax planning, or financial reporting. Discuss your needs upfront to establish a meeting schedule that aligns with your financial goals.

Can a CPA help with both personal and business finances?

Yes, many CPAs handle both, but confirm their expertise in both areas. Ask about their experience managing personal taxes and business accounting simultaneously. Ensure they can balance both without compromising attention to your specific financial needs.

What should I do if I’m not satisfied with my CPA?

Discuss concerns directly with your CPA to resolve issues. If unresolved, check your contract for termination terms. Seek a new CPA by researching reviews, credentials, and referrals. Request your financial records to ensure a smooth transition to a new professional.