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Rating by Finanso®

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Apply for a Lendly's loan


How to apply


Lendly business is operating online. It's easy, quick, and paperless, no fax is needed. The company was made to help every hardworking American to get the money any time they need with fair terms and reasonable rates.

Therefore there are some requirements if you want to get an installment loan with Lendly.

What do you need to apply:

  1. Go to the site

  2. Fill out the online application with your personal information.

The data that will be needed or verified during the application:

Name, email, phone number, address, zip number, time at residence, employer name and date of current employment, password, social security number, birth date, type of ID, ID number, state/country issued, expiration date, take-home pay (your net income after taxes, benefits, etc. Are deducted) per pay period, the frequency of your revenue and next pay date.

All the information is confidential and collected to evaluate the client's ability to take and pay back loans.

  1. Review and submit your application.

  2. Wait until the company verifies your information and gives approval within 24 hours.

  3. A loan will be paid out by direct deposit on the next day.

Application details

An application form could be filled out and submitted 24/7. In addition, the entire loan application process can be completed online.

Fill out the form for 5-10 minutes: it's convenient and paperless. Once all needed information is received, the decision will be made within 24 hours.

As the documents are signed, funds from CCBank typically are deposited into your banking account on the next business day. However, it may take up to 3 business days, depending on your bank’s processing time after the funds are sent.

The lender claims that your creditability isn't the first criterion. To get the application approved, they evaluate, mostly but not only your employer, time on the job and income.

The application may be rejected if you gave inaccurate information, you are unemployed, or don't have American residence.

There is an opportunity to decline the borrowing process. If it has not been funded, a client can withdraw the application by calling the Customer Success Team at 1‑844‑4LENDLY (1-844-453-6359).

If the loan has been already funded, a customer can reach annulate an agreement within three business days by returning the funds. Contact the Customer Success Team at 1-844-4LENDLY (1-844-453-6359) for assistance.

How to apply for a loan

Applying for a personal loan online is easy and quick — it will take about 5-10 minutes.

  1. Go to the Lendly official website and click the «Get started» green button on the top.

  2. There will be a screen with a notice that you could save up to 35% on the total cost if you work for one approved employer.

  3. When you start to type your employer's name, the drop-down list will open for you to choose from. If there isn't your employer's name, just leave the line «I Don not see my employer.»

  4. Fill in: email address and offer code. The code is for select applicants who received a pre-screened offer.

  5. Choose the state of residence.

  6. Click the «Continue» button.

  7. Fill out personal information: name, email, phone number, address, zip number, time at residence, employer name and date of current employment, and password.

  8. Click the «Continue» button.

  9. The next screen is made for identity verification due to the USA Patriot Act. Fill in your Social security number, birth date, type of ID, ID number, state/country issued, expiration date, and take-home pay (your net income after taxes, benefits, etc. are deducted) per pay period.

  10. Choose the frequency of your revenue and fill in the next pay date, which should be more than a week from the application day.

  11. Click the «Continue» button.

  12. Confirm the agreement with terms and conditions.

Your application has been received!

If you provide all the necessary information accurately, the decision can be made within 24 hours.

Once approved, your money will be transferred directly to your bank account on the next business day.


How long does it take to get approved by Lendly?

Typically a loan request is approved within 24 hours.

How trustworthy is Lendly?

Lendly was established in Ohio, USA, and has more than 5000 good reviews and a 4,7 score at TrustPilot and accounts on many social networks. It's an authorized servicer of the CCBank.

Loans are provided by the bank, which controls the Lendly business.

The company claims to protect customers' data entered online. All information is only transmitted over the internet using the encrypted form directly to encrypted data services, where it can only be accessed and used to serve in accordance with the privacy policies.

You can review the Consent to Electronic Communication, Privacy policy, and regulations and Conditions and regulations at the lender's website.

Does Lendly verify income?

Yes, it does. You should be employed at least for six months at one job.

All sources of your income will be reviewed, and third-party services will be used to verify information in your application. Inaccurate information might disqualify you from getting a Lendly loan.

Does Lendly hurt your credit score?

Yes, it does. A credit inquiry will be in the history and may have a small impact on your credit rating.

But if you make regular repayments, you could build or start the credit history. It's an excellent option for those borrowers who want to get a better credit rating. Lendly loan payment history is reported to a credit reporting agency every month.

Calculate loan payments in Lendly

Lendly calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

Enter the desired loan amount

1000 $
2000 $
Loan term

Specify the loan term for the calculation


What to focus on before applying for a loan with Lendly

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Lendly and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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