Lendtable Review: Get free money to max out your 401(k) match and ESPP

Welcome to my Lendtable review. The following is a partnership with Lendtable. All opinions are my own. Don’t know where to start saving up for retirement? Or maybe you just feel like you don’t have enough money to make an impact on your retirement plan? That’ll change today.  I want to tell you that it’s…

Michelle Schroeder-Gardner

Last Updated: May 17, 2021

Disclosure: This post may contain affiliate links, meaning if you decide to make a purchase via my links, I may earn a commission at no additional cost to you. See my disclosure for more info.

Welcome to my Lendtable review. The following is a partnership with Lendtable. All opinions are my own.

Don’t know where to start saving up for retirement? Or maybe you just feel like you don’t have enough money to make an impact on your retirement plan?Lendtable Review

That’ll change today. 

I want to tell you that it’s not only possible to save enough for retirement, but to get free money while you do so and grow a passive income while you sleep.

One easy way to get started saving for retirement is to take advantage of your company’s 401(k) plan or ESPP benefits.

And, if your employer offers a 401(k) match, that’s even better.


Because you have the potential to create money out of thin air: if you contribute $5k, you end up with $10k with a matching policy. 

Lendtable basically pays you to grow your 401(k) through a cash advance. You can receive thousands of dollars extra from your boss by using Lendtable and receiving your company match. No really, it’s that simple.

Please click here to fill out a 2-minute evaluation to see how much you can earn with Lendtable.

Below is my Lendtable review.


What is a 401(k)?

Your 401(k) is your secret financial weapon. In my years of experience, let me tell you why you’re making a serious mistake if you’re not actively putting money into your 401(k) account.

A company or employer match is when your employer contributes to your 401(k). For example, an employer may match 100% of your contribution, up to 5% of your salary. So, if you contribute $5k of your salary to your 401(k), you will end up with $10k in your 401(k) account, which compounds over time in your retirement fund, making future you twice the richer and then some. 

Let’s say that Sarah makes $50,000 at Boeing. If Boeing does a 100% 401k match up to 5% of Sarah’s salary, then Boeing contributes $2,500 a year to Sarah’s 401(k), as long as Sarah maxes out her contribution.

In our example, if Sarah contributes $2,500 a year for 30 years, at an estimated 7% interest rate, her retirement fund will snowball to around $250,000!

Lendtable Review

How does Lendtable work?

Lendtable’s simple: the company gives you money to completely max out every last cent of your company’s 401(k) match or ESPP benefit. 

  1. Lendtable gives you a cash advance: Lendtable works with you to max out your 401(k) match or ESPP benefit. Let’s say your 401(k) max contribution is $5,000. You’ll then receive a direct deposit straight into your checking account. 
  2. Wait for your company to match the investment: Your money doubles in your retirement account if your company offers a 1:1 match. Need to make sure payroll contributions are adjusted.
  3. Split the profits with Lendtable: Pay Lendtable back plus a small profit-split of 5-10%, and enjoy the additional $2,000 now sitting in your retirement account. You’re not just getting this, though. Contribute $2,500 every year in your retirement account snowballs to $250,000 as described above in 30 years. 

Lendtable takes between 5% and 10% of the money they create for you. If they make you $2,000 extra dollars they’ll keep between $100-$200.  There is no credit check required, no minimum credit score, and no reporting to any credit agency. 


Who can use Lendtable? 

Anyone with a 401(k) match or ESPP benefit plan at their employer, regardless of income, industry or age.

If you’re not sure if you qualify, check your benefits documents, or with your human resources department to learn more. 


How can I calculate how much I’ll earn with Lendtable?

Use this 2-minute evaluation to check to see how much you’ll earn every year from your employer match. 


How much does Lendtable cost?

Lendtable has a profit-split of between 5% to 10%.

So, if you borrow $2,000 from Lendtable, and your profit-split is 10%, then you would be paying back $2,200 total. The $2,000 they advanced you plus the $200 profit-split. 


Is Lendtable legitimate? Why should I trust this method?

Lendtable is not a “get rich quick” scheme, although there is virtually no risk of getting a cash advance with Lendtable. 

Although the idea of taking a loan understandably is scary, this is NOT the same as getting a loan from a bank (you may have remembered reading How My 401k Loan Cost Me $1 Million Dollars with one of my readers).

Here’s why:

  1. Lendtable never checks your credit report throughout the entire onboarding process, or really ever.
  2. They take a profit-split from the match instead of charging compounded interest fees usually required by a bank or credit cards.
  3. Let’s consider the “worst case scenario”: What if you can’t pay Lendtable’s small fee back on your own, and you’re penalized from your retirement account provider for taking money out? Lendtable will cover that fee too! As long as you set your contribution to the max there is never a situation where this doesn’t happen.

Here are reviews from past customers.


My Lendtable Review – Is Lendtable worth it?

Lendtable is worth it — it’s a no brainer to max out your 401(k) match or ESPP benefit without putting a penny in. The profit-split comes from the employer match, so it’s not paid out of pocket. They only take a small percentage of the money they help you earn; so if you are not maxing out your benefits it is always worth it.

If you have any type of 401(k) company match or ESPP benefit, Lendtable is a no-brainer. 

  1. There is no risk: There are no hidden fees, penalties, or harmful credit reporting. You simply just have the Lendtable profit-split that you won’t even notice is gone.
  2. Have peace of mind: You’re earning retirement income for your family and future generations ahead.

Fill out a 2-minute evaluation to see how much you can earn with Lendtable.

I hope you enjoyed my Lendtable review. Do you currently have a retirement plan?

Michelle Schroeder-Gardner

Author: Michelle Schroeder-Gardner

Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.

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  1. David @ Filled With Money

    This is actually one of the company ideas that I wanted to start. So many people don’t take advantage of the full 401k matching that I’m sure it’s worth it for people to get a cash advance while someone else can enjoy the benefits of profits down the road.

    People love to choose present consumption instead of choosing future consumption.

  2. Taylor Beckett

    You say there is no risk but what if you take the cash advance and the market crashes before you are able to pay Lendtable back with you vested match or ESPP?