My Lending Wallet Review
Free to apply and states on its homepage that it is not a lender, with up to $35,000 requested and an APR range from 5.99% to 35.99% on its offer page.
By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked October 22, 2026.
Our verdict
My Lending Wallet says plainly that it is not a lender, is free to use and publishes an APR range. The application goes to several lenders you cannot choose between, and the 5.99% floor is unlikely to be what someone with bad credit is offered.
Skip it if you do not want your application shared with several lenders.
About My Lending Wallet
Free to apply and states on its homepage that it is not a lender, with up to $35,000 requested and an APR range from 5.99% to 35.99% on its offer page. My Lending Wallet is offered by Operator not named on the site. We could not find a published customer rating for it on Trustpilot or the Better Business Bureau, so none is shown.
Best for: Borrowers who are willing to be shared with several lenders for a quick decision.
Editorial grade: C- (composite score 49/100).
Highlights
- Says it is not a lender and sends one application to multiple participating lenders
- Free to use, with a decision in minutes, per its listing
- Up to $35,000 requested, per its listing
- APR from 5.99% to 35.99%, per its offer page
What we like
- States on its homepage that it is not a lender
- Publishes an APR range on its offer page
Where it falls short
- Several lenders receive the application, and the site does not say how many or which
- The 5.99% floor is unlikely to be what a bad-credit applicant is offered
- No fee schedule is published
Fees, minimums, and rates
Monthly fee: Not published by My Lending Wallet. Minimum to open: Not published. Rates and fees last checked on October 22, 2026.
How we reviewed it
This is a desk review: we have not opened an account with Operator not named on the site. It is built from Operator not named on the site's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Bad Credit Loans shortlist. The rubric is the same for every brand.
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Read our full editorial methodology for how we review products.