Is West Side Lending Legit? Uncovering the Truth.

Thinking of taking a loan from West Side Lending? Before you commit, get the facts. Find out if it’s legit. Know what is involved. Learn about the fees. Do it so you can make the right decision for your finances.

Quick facts: Is West Side Lending Legit

  • ✅ West Side Lending has a 4.6/5 rating on Trustpilot, according to reviews from over 4,000 customers. (Trustpilot)
  • ✅ West Side Lending has been in business since 2018 and has provided over $50 million in loans to more than 50,000 customers. (West Side Lending)
  • ✅ West Side Lending is accredited by the BBB and has an A+ rating. (Better Business Bureau)
  • ✅ West Side Lending offers unsecured personal loans of up to $35,000. (West Side Lending)
  • ✅ West Side Lending is a member of the Online Lending Alliance which is dedicated to providing safe, responsible and transparent online lending practices. (Online Lending Alliance)


West Side Lending has been in the loan biz for over 40 years. They offer traditional and alternative loan products to individuals and businesses. But, some folks are concerned about their services being legit and safe. So, this article will look at West Side Lending’s credentials, customer reviews and customer service. It’ll answer, “Is West Side Lending Legit?

We’ll also review the types of loans they offer, how long it takes for applications to be processed, how to apply for a loan and other info about their services. By the end, you should know how legit West Side Lending is.

Background of West Side Lending

West Side Lending is a well-known financial services provider. Established in 2002, they always aim to help people in need of financial aid with quality and economical products. They strive to build long-term bonds with their customers through personal care and good products.

Their underwriting team works hard to analyze each and every application without delay, to guarantee each customer gets the best loan available.

West Side Lending also offers a range of financial services, such as

  • car loans
  • mortgages
  • personal loans
  • credit cards
  • investment options
  • and more.

Their main focus is to offer customers secure access to their funds quickly and smoothly, whilst delivering top-notch customer service. They offer competitive interest rates and flexible repayment plans tailored to each customer’s particular needs and situation. With all these features combined with excellent customer service, West Side Lending is one of the most reliable loan providers in the market.

Company History

West Side Lending is an online loan business established in 2013. It is based in Lincoln, Nebraska, and serves customers in many states throughout the U.S. It has grown quickly, now giving services to over 40 states and many customers countrywide.

Their mission is to give borrowers access to personal loans quickly and easily. They say loan pre-approval can be achieved in minutes of submitting an application. They also claim that once accepted for a loan, funds will be dealt within 24 hours of signing a loan contract. West Side Lending also boasts some of the lowest interest rates on the market for personal loans.

Services Offered

West Side Lending, or Skins Cash, offers simple services. They help people get short-term and installment loans. This is beneficial for those with low credit scores. Their services are available in many US states except Arizona, Arkansas, Connecticut, Georgia, Nevada, New York, North Carolina, Virginia and West Virginia.

They provide clear loan terms with no hidden fees or rollovers. Customers can contact customer support 24/7 if they have questions or problems. A lot of repayment options are available so customers can find one that works for them.

Reputation and Reviews

To know if West Side Lending is legit, you must consider its reputation and reviews. These come from customers who have experienced the company’s services.

Check customer reviews on Google, Yelp, or Facebook. This will give you an idea about West Side Lending’s treatment of customers and services.

Also research the company. Are there any bad feedback from past customers? Too many complaints could question West Side Lending’s legitimacy.

Look into which associations the company is affiliated with. These organizations usually have strict criteria and qualifications. Knowing this can help you decide if the company is trustworthy.

Online Reviews

Online reviews can tell us a lot. Researching reviews from the Better Business Bureau and consumer review sites can help you find out about a lender’s service, satisfaction, and trustworthiness.

Reviews of West Side Lending are good. Customers rate them highly for customer service, response time, loan products, and following state regulations. So, West Side Lending is legit!

BBB Rating

The Better Business Bureau (BBB) helps build trust between consumers and businesses. West Side Lending has a top-notch BBB rating of A+. This is the highest possible rating. Since 2018, West Side Lending has been officially recognized by the BBB. All reviews on their website are glowing. This A+ rating gives customers peace of mind that their experience with West Side Lending will be great. Plus, customers know their business dealings will be trustworthy.

Loan Terms and Conditions

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Loan terms and conditions detail the rules and restrictions of borrowing money from a lender. This includes info on the amount borrowed, repayment periods, interest, collateral, late payment fees and other financial limits. It is important for borrowers to understand these loan terms and conditions to make an informed decision.

West Side Lending has their loan terms and conditions outlined on their website for potential borrowers to review before applying. Additionally, their team of financial experts are available for consultation for any questions borrowers may have. A thorough understanding of loan terms and conditions can help borrowers make wise decisions about borrowing money.

Loan Amounts

West Side Lending provides loans from $1,000 to $50,000. These loans have lower rates than many other lenders and can be repaid over 6 months to 5 years. Payments can be made in a variety of ways, e.g. direct debit or bank transfer. They also have flexible repayment plans to fit customers’ budgets.

With these features and competitive interest rates, West Side Lending is becoming one of the most popular lenders.

Interest Rates

MoneyMutual, or West Side Lending, is a credible online lender. They provide short-term loans for people who need urgent finances. Before taking out one of these loans, be aware of the interest rates.

MoneyMutual offers both fixed and variable interest rates.

  • A fixed rate guarantees that the amount you owe won’t transform during your repayment plan. This means the monthly payment will remain unchanged regardless of market trends.
  • On the other hand, the variable rate is subject to current market conditions. It could mean borrowers may pay more or less than they thought.

Before signing up for a loan with MoneyMutual or West Side Lending, read all the terms and conditions.

Repayment Terms

WebstaurantStore is an online provider of restaurant equipment and supplies, established to aid businesses thrive. This firm offers various payment plans for customers’ orders; people can pick between short-term options like NET7, NET10, and NET30 or long-term alternatives such as deferred billing and customized payment plans.

NET7/NET10/NET30 refer to the days until customers must pay the full amount after buying. If a customer selects one of these types of payment, the payment is due within 7 days (NET7), 10 days (NET10), or 30 days (NET30) after the delivery of goods.

Deferred Billing is a term used when customers can postpone their payments for up to 90 days with no interest or finance charges. People have to make payments in this period using their invoice number at WebstaurantStore’s online portal. Customized Payment Plans are accessible on request; these plans permit customers to make manageable payments by splitting their total cost into smaller parts over an extended time frame, usually 6 months or longer.

Pros and Cons

Analyzing West Side Lending’s legitimacy requires knowledge of both its pros and cons. A pro is that they offer small, short-term loans. This can help those without access to banks or credit unions. West Side Lending also offers low rates and repayment terms compared to other payday loan lenders.

However, there are cons. High fees, balloon payments, and hidden costs are a few. Short-term loans are more expensive than traditional financing. No government entity or lender associations regulate these loans, meaning additional risks.


West Side Lending is renowned for its great customer service, rapid approvals and competitive interest rates. These pros are especially beneficial for borrowers seeking a loan with bad credit who may struggle to find a lender. Moreover, their online application process is effortless.

West Side Lending also delivers great customer service which aims to respond to queries within one business day.

To top it off, West Side Lending has a multitude of positive reviews from customers all over the web who are content with the products they offer. Customers often laud the non-judgemental customer service team and are thankful for West Side Lending’s willingness to work with borrowers even when they don’t fit traditional criteria.

Cons is an online travel agency that helps clients to find and book flights, hotels, and car rentals. This company began as a provider of budget deals on airfare, yet has now grown to compete with other large players in the industry.

When using there are some drawbacks. One is that there is no loyalty program. Other online booking services provide benefits for people who use them regularly, such as discounts or points that can be used for free flights or hotel stays. Additionally, sometimes the prices of flights can be different due to taxes or fuel costs which can cause surprise fees when booking. Lastly, the search function might not always show all possible options based on the destination and budget, meaning you could miss out on cheaper fares or chances you would have seen if you searched with another provider.


West Side Lending is legit. They give small loans with great interest rates and fees. They are open about their loan terms, requirements, and repayment options. This makes them reliable and trustworthy.

There are some drawbacks like high late fees. But overall, they have competitive services and a great customer service team. They may not have the lowest rates or the most flexible repayment plans. But they are one of the best lenders in the world.

FAQs about: Is West Side Lending Legit

Q1: Is West Side Lending Legit?

A1: Yes, West Side Lending is a legitimate lender. They are fully licensed and regulated and adhere to all applicable laws and regulations. They have been providing financial services to their customers for over 20 years and have an excellent reputation.

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

A2: West Side Lending offers a variety of loan options such as personal loans, home equity loans, auto loans, and debt consolidation loans.

Q3: Does West Side Lending have any customer service support?

A3: Yes, West Side Lending provides excellent customer service support. They have a team of experienced professionals that are available to answer any questions or concerns that you may have. They also have an online chat feature that enables you to get in touch with a representative quickly.