Lending Disclosures

Service Disclosure

Lendify Today is not a lender, does not broker loans, and does not make credit decisions. Lendify Today operates as an advertising and referral service that connects interested consumers with lenders and lending partners from its network. Lendify Today does not control and is not responsible for the actions, terms, or practices of any lender or lending partner.

Loan Amounts

Loan amounts available through our lender network typically range from $100 to $2,500, depending on the lender, your state of residence, and your individual financial profile. Not all consumers will qualify for the maximum loan amount. Lenders independently determine loan amounts based on their own underwriting criteria.

APR Disclosure

Annual Percentage Rate (APR) varies by lender, loan type, loan amount, loan term, and your credit profile. APR for short-term loans can range from 200% to 1386%. APR for installment loans may range from 6.63% to 485%. APR for personal loans may range from 4.99% to 450%. Your actual APR will be disclosed by the lender before you accept any loan offer.

Short-term loans (payday loans) are intended for short-term financial needs and are not a long-term financial solution. Borrowers with credit difficulties should seek professional financial advice before taking out a short-term loan.

Rates and Fees

All loan rates, fees, and terms are determined solely by the individual lender. Lendify Today does not have access to the full terms of your loan. You are encouraged to carefully review all terms, conditions, rates, and fees presented by the lender before accepting any loan offer. If you have questions about your loan terms, contact your lender directly.

Credit Impact

Submitting your information through Lendify Today does not guarantee a loan offer and does not directly affect your credit score. However, if you are connected with a lender and choose to proceed, the lender may perform a credit check (hard inquiry or soft inquiry) as part of their underwriting process, which may impact your credit score.

Lenders may report your payment history to one or more credit bureaus. Late payments, missed payments, or defaults on your loan may negatively affect your credit score.

Funding Timeline

If approved by a lender, funds may be deposited into your bank account as soon as the next business day. Actual funding times vary depending on the lender, your bank, the time of day your loan is approved, and other factors. Funds may not be available the same day in all cases.

Late Payment and Non-Payment

Late payments or failure to repay your loan may result in additional fees, charges, and collection activities as determined by your lender. Each lender has its own policies regarding late payments, rollovers, renewals, and collection practices. Please review your loan agreement carefully and contact your lender if you are unable to make a payment.

State Availability

Our service is not available in all states. Availability of loans and loan terms vary by state due to differing state regulations. Residents of certain states may not be eligible for loans through our lender network. It is your responsibility to ensure that applying for a loan through our service is permissible under the laws of your state.

No Guarantee

Submitting a request through Lendify Today does not guarantee approval for a loan. Not all consumers will be eligible for a loan or for the maximum loan amount. Loan approval is subject to the lender's own review and underwriting criteria.

Financial Advice Disclaimer

Lendify Today does not provide financial advice. The information provided on our website is for general informational purposes only. Short-term loans are not intended as a long-term financial solution. If you are experiencing ongoing financial difficulties, we encourage you to seek advice from a qualified financial advisor or credit counselor.