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Misleading

The post says

LendWyse offers income-based consolidation loans up to $100,000 starting at 5.99% APR?

checkthis · automated fact-check · How we check

LendWyse is a loan marketplace, not a direct lender, and its published minimum income requirement is $18,000 a year, not $42,500. LendWyse advertises debt consolidation options up to $100,000 across partner lenders with APRs from 5.99% to 35.99%, requiring $1,500 per month ($18,000 yearly) in income, as LendWyse documents show. Consumer watchdogs such as Finder report that LendWyse is a marketplace broker rather than a direct lender and that many applicants are directed toward debt settlement programs rather than loans.

The post we checked

The post we checked

🚫 Rejected for a loan again? Income-based personal loans up to $100,000 — based on your income, not just your credit. Fixed rates from 5.99% APR.* No home…

No link: Instagram doesn't share the address of a post sent by DM, so we can't link to it.

Red flags

Accounts don't match

LendWyse advertises consolidation loans, but consumer watchdog reviews show many applicants are redirected into debt settlement programs.

“Advertises large personal loans with quick funding, but many applicants are steered into debt settlement instead.” LendWyse: Debt Settlement Masquerading as Loans (2026) - Finder, 2025-10-01

The trick: Picks only some facts

It shows the facts that fit and leaves out those that don't (known as cherry-picking).

“REJECTED FOR A LOAN AGAIN? We look at your INCOME, not just your Credit score.”

The Reel highlights the lowest advertised APR of 5.99% and suggests income guarantees approval, omitting that LendWyse is a marketplace with rates up to 35.99% where many applicants are steered into debt settlement instead of loans.

How this trick works and how to answer it →

What we checked

Applicants must earn $42,500 or more a year to qualify for a loan from LendWyse.“Most partner lenders require at least $1,500 per month, though the bar varies by lender and loan amount.”LendWyse loan requirements & minimum credit score
LendWyse offers fixed interest rates starting from 5.99% APR.“LendWyse isn't a single lender — it's a marketplace that runs your one soft-credit application against 35+ vetted partners”Best Debt Consolidation Loans of 2026 — Rates & Reviews | LendWyse

What the post doesn't tell you

How it plays you

It wants you to think: “LendWyse offers income-based consolidation loans up to $100,000 with rates starting from 5.99% APR without requiring a high credit score or home equity.”

The $42,500 income requirement stated in the Reel is incorrect according to LendWyse's published requirements ($18,000/year). Furthermore, earning above an income threshold does not guarantee loan approval because partner lenders evaluate credit scores, debt-to-income ratios, and underwriting criteria, and many applicants are routed to debt settlement programs instead.

Short version

⚠️ MISLEADING 👉 LendWyse is a loan marketplace rather than a direct lender, and its minimum income requirement is $18,000 a year instead of $42,500. 👉 LendWyse documents and consumer watchdogs like Finder confirm it acts as a broker and advertises partner loan options up to $100,000 for those making $1,500 monthly. 🎭 Trick: Picks only some facts 📰 Sources: Lendwyse, Finder 🔎 Full check: send this post to @checkthis.chat

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