The FAQs

Help Center

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.

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.

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.

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.

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.

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.

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.

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.

How do I take a screenshot?

Instructions may vary depending on the device and operating system.

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).

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.

What happens to my loan if I have to quit or leave my job?

You are still obligated to make payments on time, even if you leave your job. Payments can be set up through payroll at your new company or via ACH payments from your bank account. Please call the Customer Success Team at 1-888-8LENDLY (1-888-853-6359) to discuss your various repayment options.

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 and clicking “Login” or by calling our Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

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 and clicking “Login”, or by calling our Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

Can I pay back my loan using cash, check, or debit card?

Repayment setup is part of the application process and is typically done via direct deposit through your employer's payroll, or by ACH (Automated Clearing House). Additional payments to pay down an account can also be made via ACH, check, or debit card. To make additional payments on your loan, please go to your customer portal at and click “Login” or call our Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

How can I apply for a Lendly loan?

You can apply at

Does being declined hurt my credit score?

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

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 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.

What is your credit reporting policy?

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

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.

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.

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.

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.

Do you consider household income when reviewing applications?

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

How do I cancel my application?

Send an email to or call our Customer Success Team at 1-888-8LENDLY (1-888-853-6359).

How do I stop receiving text messages?

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

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 and clicking “Login” to re-apply.

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.

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 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 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.

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.

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.

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 and click on the “Forgot Password” link, and follow the instructions provided.

Where can I find my account number?

You can view your account details, including your loan number, by logging in at

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.

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

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.

Who is Lendly?

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

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.

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!

What are my payment options?

Most Lendly loans are repaid through payroll direct deposit, or by ACH (Automated Clearing House). Payment options may vary by borrower based on the loan offers that they are approved for.

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.

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.

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.

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.

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.

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.

How can I submit a complaint?

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

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.

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.

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.

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