The FAQs

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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!

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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