Lend & Loan Financial - Personal Loan Terms & Conditions

Last Updated: January  2026

Welcome to Lend & Loan Financial. By accessing or using our website and services, you agree to the following Terms and Conditions. Please read them carefully.

1. Role of Lend & Loan Financial

2. Nature of Personal Loans

Personal loans offered through our platform are generally unsecured consumer loans, meaning they are not secured by collateral. The availability of unsecured loans, and the specific terms applicable to any loan, depend on the policies of the Direct Lender and applicable state and federal law.

3. Permitted Use of Loan Proceeds

• Post‑secondary education or student‑related expenses;
• Business, commercial, or investment purposes;
• Any illegal, fraudulent, or prohibited activity.

4. Loan Amounts &  Loan Terms

• Loan amounts and repayment terms are established by each Direct Lender and may vary based on creditworthiness, income, state of residence, and other underwriting factors.
  Typical ranges offered by participating lenders include:
  • Loan Amounts: Approximately $3,000 to $100,000 (minimums and maximums may vary by lender and by state);
  • Loan Terms: Generally between 24 and 84 months (2 to 7 years).
  Not all applicants will qualify for the maximum loan amount or longest term.

5. Interest Rates, APRs and Fees

• Annual Percentage Rates (“APRs”) are set by the Direct Lender and are based on a variety of factors, including but not limited to credit history, income, debt‑to‑income ratio, loan amount, term length, and state law.

  • APRs: May range broadly (for example, approximately 5.99% to 35.00%), subject to lender policies and applicable law.
  • Origination Fees: Some lenders may charge origination or administrative fees; others may not. Fee structures vary by lender.
  • Prepayment: Many lenders do not charge a prepayment penalty; however, this is determined solely by the Direct Lender.

  • Late or Non‑Payment: While some lenders may not assess late fees, missed or non‑payment may result in additional interest accrual, negative credit reporting, default, and potential collection activity, as governed by the Direct Lender’s agreement.

  All fees and charges applicable to your loan will be disclosed in your loan agreement and related disclosures prior to acceptance.

6. Repayment Obligations

• Loan repayment obligations are governed by the loan agreement between you and the Direct Lender. Generally:

  • Payments consist of principal and interest, and may include applicable fees;
  • Payments are typically due on a monthly basis;

  • The first payment is commonly due 30 to 45 days after loan disbursement, though this may vary by lender.

  Failure to make timely payments may adversely affect your credit score and may result in default, collection efforts, or legal action by the Direct Lender.

7. Eligibility and Underwriting

• Being at least the age of majority in your state of residence;
• U.S. residency or other legally eligible status, as required by the lender;
• Satisfactory credit history, income verification, employment status, and overall financial profile.

8. Credit Inquiries

To present potential loan offers, some lenders may perform a soft credit inquiry, which does not affect your credit score. If you proceed with a loan application, the Direct Lender may conduct a hard credit inquiry, which may impact your credit score.

9. Changes to Rates and Terms

All loan rates, terms, and conditions are subject to change at any time prior to final loan approval and funding. Final terms are those set forth in the executed loan agreement provided by the Direct Lender.

10. No Legal or Financial Advice

Lend and Loan does not provide legal, tax, or financial advice. You are encouraged to review all loan documents carefully and consult with qualified professionals before accepting any loan offer.

11. Governing Agreements

Your loan is governed exclusively by the loan agreement, disclosures, and related documents provided by the Direct Lender. In the event of any conflict between this page and the Direct Lender’s loan documents, the Direct Lender’s documents control.

12. Contact Information

Please consult with a financial advisor or attorney if you have questions about these terms or their implications for your financial situation.