Services
How to Apply for a Loan
The Process
Loan decisions are typically made within 1 business day, with funds available in 3–5 business days post-approval.
Check Your Rate
See your options instantly with no impact to your credit score.
Choose Your Loan
Select personalized terms that fit your budget and goals.
Receive Funds
Get approved in 1 business day and funded within 3–5 days.
Who Can Apply
- Credit score: 500–850 FICO accepted
- Debt-to-income ratio below 45%
- Active U.S. bank account
- Verifiable Income
- California Resident
- Age 18+ with valid government-issued ID
Take the First Step Toward Financial Freedom
It only takes a few minutes to check your rate — with no impact to your credit score.
Check My RateWhy Choose Lend & Loan
Why Choose Lend & Loan?
Because borrowing should be simple, transparent, and built around your goals.
Flexible Loan Options
Secured and unsecured loans tailored to fit your unique needs — from small expenses to big projects.
fast & Simple Process
Quick applications and approvals, so you get funding when you need it.
Transparent Terms
No hidden fees, no surprises. Just clear, straightforward loan agreements you can trust.
apply now
Request A Quote
Choose secured or unsecured options based on your needs, and enjoy fast approvals, transparent terms, and repayment plans that fit your budget.