The FAQs

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What is a payroll direct deposit?

Payroll direct deposit is the repayment method used for a Lendly installment loan offered by CC Connect. You control and manage the repayment of your Lendly loan via a payroll direct deposit through your employer’s payroll, including the ability to change the amount and cancel disbursements. Our success team is available to assist with any questions.

Payroll Direct Deposit

How does a payroll direct deposit work?

A payroll direct deposit ensures worry-free payments on your Lendly loan by CC Connect. A payroll direct deposit is a repayment method that sends a portion of your paycheck equal to the amount of your required Lendly loan payment directly to us as a payment on your Lendly loan with CC Connect. The rest of your paycheck is still sent to your personal bank account. So, the payroll direct deposit works just like a deposit of a portion of your paycheck into a second banking account.

Payroll Direct Deposit

Is a payroll direct deposit required for a Lendly loan by CC Connect?

Yes, a payroll direct deposit is required for a Lendly loan by CC Connect, however not every employer’s payroll system supports payroll direct deposit to more than one account. You can work with your employer to understand more about its system and available payroll distribution options.

Payroll Direct Deposit

Can I cancel my payroll direct deposit as a repayment method on my Lendly loan by CC Connect?

Yes. You can cancel the payroll direct deposit repayment, and you have full control because the repayment process is based on your paycheck distributions and how you have them setup with your employer and payroll provider. If you cancel your payroll direct deposit repayment, then it is your responsibility to make on time payments. Acceptable payment methods include ACH, check, or debit card. To make payments on your loan, please go to your customer portal at Lendly.com and click “Login” or call our Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

Payroll Direct Deposit

What employer should I use?

If you have more than one employer, select the one from our list that provides you with your highest net income.

Employer Connection

Why do I need to log in to my employer’s payroll system?

We use third-party services, such as Pinwheel and Argyle, to verify employment details, and to automatically update your direct deposit distributions, which speeds up the application process.

Employer Connection

Does my employer need to know the purpose of my direct deposit distribution?

No, your employer will not be notified about the purpose of your direct deposit distribution. The setup is similar to depositing your paycheck to multiple bank accounts.

Employer Connection

Who are the digital partners and what do they do?

Pinwheel and Argyle are third-party service providers that allow for your information to be quickly and securely verified in just a few clicks, which saves you time in the application process and, if approved, helps get your funds to you sooner.

Employer Connection

I got a new job. Can I transfer my payments to my new employer?

Please contact the Customer Success Team at 1-888-8LENDLY (1-888-853-6359) for assistance.

Repaying a Loan

Can someone else make a payment toward my Lendly loan on my behalf?

Information about your loan account will not be disclosed to an unauthorized person, but anyone can make payments for your Lendly loan on your behalf with your consent.

Repaying a Loan

Can I skip a payment and extend the time of repayment?

Currently, modifications to the original loan payment schedule set up at the beginning of the loan are not offered.

Repaying a Loan

When will my first payment be due?

Your first payment will be due on your first payday which falls 10 days after you opened your Lendly loan. Your loan documents will contain a Payment Schedule showing the date of each scheduled payment for the life of your loan. If you are making payments using payroll direct deposit, your employer may send an early payment which would be applied to your loan.

Repaying a Loan

How do I take a screenshot?

Instructions may vary depending on the device and operating system.

Repaying a Loan

What if I’m having trouble setting up payments?

If you are having difficulties setting up payments within your payroll portal, contact your payroll department for assistance. If you need further assistance, contact our Lendly Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

Repaying a Loan

What if my paycheck doesn’t cover my payment because I was sick/on vacation?

If you have issues making your payments, please call the Customer Success Team at 1-888-8LENDLY (1-888-853-6359) to discuss your various repayment options.

Repaying a Loan

Can I make an extra or manual payment?

Yes. There is no penalty for making extra payments. Extra payments may be made in your customer portal by going to Lendly.com and clicking “Login” or by calling our Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

Repaying a Loan

Can I pay more than the required payment amount?

Yes. There is no penalty for paying more than the required amount or paying off your loan early. Additional payments can be made in your customer portal by going to Lendly.com and clicking “Login”, or by calling our Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

Repaying a Loan

How can I apply for a Lendly loan?

You can apply at www.lendly.com.

Apply for a Loan

Does being declined hurt my credit score?

No, loan denials are not reported to the credit bureaus.

Apply for a Loan

My application for a Lendly loan was declined. What are my options?

If you feel as though you entered information incorrectly on your application, you may reapply at www.lendly.com. Lendly utilizes third-party services for validating information on your application. If the denial was a result of one of these services, you may contact that vendor to discuss information you feel was reported incorrectly. Please contact Lendly at 1-888-8LENDLY (1-888-853-6359) for further information on the vendors we use.

Apply for a Loan

What is your credit reporting policy?

All Lendly loan payment history is reported to a credit reporting agency every month.

Apply for a Loan

How does applying for a Lendly loan affect my credit?

Upon applying for a Lendly loan a credit inquiry will likely appear in your credit history. This may have a small impact on your overall credit score.

Apply for a Loan

I haven’t established credit yet. Can I still apply?

Yes. A lack of established credit will not necessarily disqualify you from getting a Lendly loan.

Apply for a Loan

Do you consider other factors in addition to an applicant’s employment history?

Yes. While time on the job is a factor considered when reviewing loan applications, your income will be reviewed, and third-party services are used to verify the information that you provided in your loan application. Inaccurate information in your loan application might disqualify you from getting a Lendly loan.

Apply for a Loan

What is the minimum credit score you will accept?

Lendly loan applications are not approved or denied based solely on a credit score. A low or subprime credit score will not necessarily disqualify you from getting a Lendly loan.

Apply for a Loan

Do you consider household income when reviewing applications?

Only the applicant’s income is reviewed during the application process.

Apply for a Loan

How do I cancel my application?

Send an email to lendly.service@account-servicing.com or call our Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

Account Help

How do I stop receiving text messages?

Text STOP in response to any text message received, send an email to TheTeam@Lendly.com or call our Service Center at 1-888-8LENDLY (1-888-853-6359).

Account Help

I’ve paid off my loan. How do I re-apply?

Borrowers who have paid off their Lendly loan can re-apply within minutes by visiting Lendly.com and clicking “Login” to re-apply.

Account Help

What steps does Lendly take to protect my personal information?

Lendly ensures that every customer’s data entered online is secure. All information that is entered online is only transmitted over the internet using an encrypted form directly to encrypted data services, where it can only be accessed and used to serve that customer per our privacy policies.

Account Help

What if I no longer need the loan? Can I change my mind?

If your loan has not been funded, you can withdraw your loan application by emailing our Customer Success Team at TheTeam@Lendly.com or by calling 1-888-8LENDLY (1-888-853-6359). If you would like to rescind your loan or pay the balance in full, you can do so in our customer portal. You can access the portal anytime by visiting Lendly.com and clicking “Login”. If you need additional assistance, you can contact our Customer Success Team at 1-888-8LENDLY (1-888-853-6359). There is no prepayment penalty for paying your loan off early.

Account Help

How do I change my bank account?

To update your banking information, please give our Customer Success Team a call at 1-888-8LENDLY (1-888-853-6359) for assistance.

Account Help

How do I change my address on my profile?

To change the address associated with your account, please contact the Customer Success Team at 1-888-8LENDLY (1-888-853-6359) for assistance.

Account Help

How do I change my email address and/or password?

To change the email address associated with your account, please contact the Customer Success Team at 1-888-8LENDLY (1-888-853-6359) for assistance. For password changes, simply select “Login” from Lendly.com and click on the “Forgot Password” link, and follow the instructions provided.

Account Help

Where can I find my account number?

You can view your account details, including your loan number, by logging in at www.lendly.com.

Account Help

Where can I check the status of my application?

We will email you every step of the way to keep you updated on the status of your application.

Account Help

How will I know if I qualify to refinance my existing loan?

Once eligible, a customer will receive an email and/or SMS notification with info on how to apply for a refinance. You can also check your eligibility at any time, by logging into the customer portal at lendly.com/login.

Account Help

How does a refinance work?

When a customer becomes eligible for refinancing, they can apply for a new Lendly loan. If approved, the new loan will be used to pay off the existing loan, and the remaining proceeds are then sent to the customer.

Account Help

Who is Lendly?

Lendly is an authorized servicer. This means you will maintain your loan account through Lendly.

General Questions

Where can I get an offer code?

The offer code field is for applicants who received a pre-screened offer. These offer codes are only sent to individuals that were selected during the pre-screen process. Only those individuals can apply using an offer code.

General Questions

Are there any early repayment penalties?

There are no penalties for making additional payments on your loan. Making additional payments will help you pay off your loan early and will save you from paying as much interest!

General Questions

Can I have more than one loan at a time?

Currently, a borrower may only have one open loan at a time. However, borrowers with good repayment history may be eligible to refinance their loan 90 days after their origination date.

General Questions

How soon can I get my money?

Once you finalize your application and sign your loan documents or finish setting up your direct deposit payments, funds are typically deposited into your banking account the next business day. It may take up to 3 business days, depending on your bank’s processing time after the funds are sent.

General Questions

How much can I borrow?

Currently, the highest available loan amount is $2,000. Please note that not all applicants will be approved for this loan amount.

General Questions

Can I apply for a Lendly loan by phone, fax, or mail?

No, the Lendly loan application requires the use of a desktop computer or mobile device.

General Questions

Do you have a mobile app?

Currently, there is no mobile app for a Lendly loan, but every effort has been made to ensure our website and web-based application works smoothly across all major mobile devices.

General Questions

What is an APR?

The annual percentage rate is a measure of the cost of credit, expressed as a yearly rate, that relates the amount and timing of value received by the consumer to the amount and timing of payments made.

General Questions

How can I submit a complaint?

Please call us at 1-888-8LENDLY (1-888-853-6359) or email us at TheTeam@Lendly.com. Our Customer Success Team will promptly and thoroughly investigate any issues you’ve encountered.

General Questions

Are any fees charged besides interest?

Lendly loans are installment loans that accrue interest daily. There are no fees on a Lendly loan. However, for Florida residents, loans are subject to a Documentary Stamp Tax. The amount of this tax, which is 35 cents per $100 or portion thereof (or $3.85 for a $1,000 loan), will be added to your loan amount if your loan application is approved and funded.

General Questions

What states do you currently offer loans in?

Lendly loans are currently offered in Alaska, Alabama, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Wisconsin, and Wyoming. If you don’t see your state, check back periodically, as additional states are always being added.

General Questions

How is interest calculated for a Lendly loan?

Interest accrues daily on the unpaid principal amount for the number of days outstanding. Calculations are based on a 365-day year.

General Questions
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