Important Disclosures

Must be 18 years of age or older to apply. All loans are subject to credit review, approval, and lender eligibility requirements.

Rates start as low as 4.99% APR and may go up to 34.99% APR. Actual interest rates, terms, and fees are determined by the individual third-party lender and will vary based on your credit score, credit history, credit utilization, debt-to-income ratio, loan amount, and other factors. Loan terms range from 24 to 84 months.

Example: A $20,000 personal loan at 10% APR for a term of 36 months would result in a total repayment of $23,232 over the life of the loan.

Lnding is a loan consultant and not a direct lender. We work with third-party lenders to assist consumers in all 50 states. All loans are originated and serviced by our network of independent third-party lenders. Lnding has no control over any lender’s eligibility criteria, underwriting decisions, or final loan terms.

Generally, applicants must be a U.S. citizen or permanent resident, at least 18 years old, and possess a valid Social Security Number (or FEIN) and an active bank account. Not all applicants will qualify for the lowest advertised rates or any loan offer. Qualifying for rates “as low as” 4.99% APR depends on the borrower’s creditworthiness and other lender-specific requirements.

Some lenders may charge origination or closing fees ranging from 1% to 9% of the loan amount. Please carefully review all loan documents provided by the lender prior to accepting any offer.