About River Valley Loans
Our story, mission, and the team behind 50,000+ funded loans.
Our Story
River Valley Loans was founded in 2015 with a simple mission: make personal lending fast, transparent, and accessible for every American. Today, River Valley Loans has funded over $2.1 billion across all 50 states — serving more than 50,000 borrowers with an industry-leading 4.9/5 satisfaction rating.
We believe borrowing should be simple. No hidden fees. No fine print. No surprises. Every River Valley Loan comes with a fixed rate, predictable monthly payment, and a clear payoff date.
Our Mission
River Valley Loans exists to give everyday Americans a fair alternative to traditional banks. We combine cutting-edge AI technology with human financial advisors to deliver loans that are faster, cheaper, and more transparent than anything available at a bank branch.
Every decision at River Valley Loans is guided by one question: "Is this good for the borrower?" If the answer isn't yes, we don't do it.
50K+
Americans Served
$2.1B
Total Funded
4.9★
Customer Rating
50
States Served
Leadership Team
JH
James Harrison, CEO & Co-Founder
MBA, Wharton · 22 Years Consumer Lending · Ex-Wells Fargo VP
Founded River Valley Loans to bring transparency and speed to personal lending. Oversees company strategy, partnerships, and growth.
SJ
Sarah Jensen, CFA — Chief Credit Officer
CFA Charterholder · Ex-Federal Reserve · 15 Years Credit Risk
Designed River Valley Loans' credit model to evaluate borrowers holistically — not just a single score. Ensures fair lending across all demographics.
MR
Michael Reynolds, CFP® — Senior Advisor
CFP® Certified · 18 Years Consumer Lending
Leads the River Valley Loans advisory team. Every borrower gets personalized guidance on rates, terms, and repayment strategies.
LC
Lisa Chen — CTO
Ex-LendingClub Engineering Lead · AI/ML Expert
Built the AI underwriting engine powering 60-second River Valley Loans approvals with bank-grade encryption and real-time fraud detection.
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