Lendunited.app puts payday loans just a few clicks away. Fast and simple connection to approved lenders willing to loan up to $5,000.
Lendunited.app commit to connecting you with an approved lender. Lendunited.app also made the process simple. No need to visit hundreds of websites and fill out numerous paperwork.
HOW IT WORKS
All you need to do is to fill out one simple form via lendunited.app. Instantly, we will forward your loan request to a lender or lending partner from our network of trustworthy brands. You can request a loan as low as $100 and up to $5,000. Please note that the exact loan size can vary depending on your location and our lenders’ programs. In most cases, you can expect a same-day response from our lenders or lending partners.
Usually, it takes them no more than a few minutes to get back at you. In case you get approved for a loan, you may be taken to the lender’s official website where they will provide you with all necessary loan terms, fees and interest rates. In a scenario where you find the loan terms acceptable and agree to the loan offer, you may expect to get the loan funds into your bank account within a business day. Please note that most of the lenders and lending partners from our network will probably ask you to provide and confirm the following details before approving you for a loan:
These are the criteria you must meet in order to get approved for a loan from our network’s lenders:
- Be permanently employed for at least 90 days.
- Either be a US citizen or a permanent resident in the USA, your age is 18+.
- Have a monthly income of approximately $1,000 after tax.
- Hold a personal bank account.
- Be able to provide a valid home and/or business telephone number.
- Have a valid email address.
RATES & FEES
lendunited.app never charges any fees for its services. lendunited.app neither operates as a lender or lending partner nor provides any direct lending services to its customers. lendunited.app simply connects potential consumers with appropriate lenders and lending partners from its network of reliable brands using the information submitted by such potential consumers.
In accordance with the Truth in Lending Act, any loan fees, as well as interest rates that may arise from a particular loan, must be fully disclosed. The law demands that such fees and interest rates details must be provided to potential customers by the lender or lending partner upon the approval of a loan. Please note that once you get approved for a loan by a lender or lending partner, you will most likely be redirected to a page that requires your e-signature. This page is not part of lendunited.app and it belongs to the lender or lending partner that issues you the loan.
Full Disclosure of Terms
Any lender or lending partner we connect you with is responsible for providing you with documents where all details regarding fees and interest rates related to their loan offer are included. Please make sure to read carefully and completely all such fee and interest rate details that are given to you by the lender or lending partner. It is crucial to read and understand those fees before accepting the loan’s terms and conditions. Remember that you have no obligation to agree to the loan’s terms. Please e-sign the terms and conditions page and accept the transfer of the loan funds only if you are certain that the loan terms provided by the lender or lending partner are acceptable for you.
Keep in mind that all fees and interest rates related to a loan offered by a lender or lending partner are set by the lender or lending partner. Certain amounts may depend on the details you submit to them via our website. lendunited.app is in no way connected or has any knowledge of the loan agreements and terms between consumers and lenders or lending partners. Remember that you have no obligation to accept or move on with a loan request in case the terms provided by the lender or lending partner are not acceptable for you.
Late Payment Policy
Any lender or lending partner in our network has their own policies when it comes to late payments. Please make sure to read and understand the late payment policy featured in the documents given to you by the lender or lending partner before you accept the terms and e-sign the page. There are certain applicable regulations, laws, and rules that all lenders and lending partners in our network must abide when it comes to fees arising from late payments.
Being unable to pay back a loan may result in extra charges or fees. lendunited.app is dedicated to working with reliable and established lenders and lending partners that collect past due amounts in a reasonable and fair way.
Loan Renewal Policy
Please note that state laws are generally responsible for governing loan renewal policies. The final price of your loan offer may go up considerably once interest rates and late fees are calculated. This applies only to consumers in states that allow repayment term extensions or rollovers.
FREQUENTLY ASKED QUESTIONS
lendunited.app provides a marketplace service where your can connect to a network of reputable lenders or lending partners who may be able to provide you with loan. Our service is always free--there is never a cost to you for submitting an inquiry. Your lender or lending partner will have its own rates and fees that will be provided to you before you accept the loan. lendunited.app is not a lender or lending partner and does not make credit decisions.
What is a personal loan?
Personal loans might be called different things, but they’re all designed to provide you with temporary financial relief.
Who can qualify for a personal loan?
Most lenders or lending partners require you to:
- Be employed in your current position for approximately 90 days;
- Be at least 18 years old, and a US citizen or a permanent resident;
- Have an income of approximately $1,000 per month after tax withholdings;
- and Have a valid email address, work phone number and home phone number.
How much can I borrow?
The amount a lender or lending partner is willing to give you depends on how the lender or lending partner evaluates a number of factors, including your state of residence and applicable legal restrictions (loans are not available in all states). Many lenders or lending partners in our network will vary on the amount they offer to loan.
How will I receive the loan money?
Once the lender or lending partner approves your loan and you accept the loan terms, your loan will be deposited directly in your bank account, usually as soon as the next day.
If I have bankruptcy or bad credit, can I still get a loan?
Personal loans generally are offered for people with good credit, although each lender or lending partner has its own underwriting policies. An alternative for those with bad credit may be to seek a short-term consumer loan. If we cannot find a lender or lending partner that can offer you a personal loan for the amount you requested, we will search our network of short term lenders or lending partners to see if we can find a short-term lender or lending partner for you.
How long does the process take?
It should only take a few minutes to complete our secure online form. After we receive your information, we immediately start looking for a lender or lending partner that is willing to work with you. You should have a response from one of our lenders or lending partners within minutes. Final approval and funding is often done in as little as 24 to 48 hours.
Will I need a printer or fax machine?
Some lenders or lending partners will ask for your permission to access your information such as bank statements or income verification online, saving you from having to fax or email copies of those documents. However, your lender or lending partner might need you to fax or email a copy of your bank statement, paycheck stubs or other information.
If you do not have access to a scanner or printer, consider visiting Office Max, Kinkos or another office service provider. You should also have access to a printer so you can print a copy of your loan agreement. If you have questions after your loan is funded, you will need your lender’s or lending partner’s contact information!
What is the cost of a short term consumer loan
There is no cost to use lendunited.app’s marketplace service. The actual cost of your loan may vary by lender or lending partner. You will be provided information on the rates and fees before you accept the loan. Personal loans are not designed as long term financial solutions but are often less costly than late charges, NSF fees or reconnect fees for overdue utilities. Please only accept a loan if you believe you have the ability to repay it.
If I already have an outstanding cash advance loan is it possible to get a new one?
You may be allowed to secure more than one personal loan at any given time, but this will depend on your state’s laws as well as your lender’s or lending partner’s practices. If you have an outstanding personal loan or other personal loan, you should let your new lender or lending partner know about it before you accept a new loan.
When and how do I repay my loan?
If you have selected the convenient and secure ACH payment option, your loan payment will be withdrawn from your bank account on its due date. This option is designed for convenience and helps you avoid potential late fees or default! If you need an extension on your loan, please contact your lender or lending partner before you miss a payment (additional fees may be involved).
What happens if I’m late with a payment?
Each lender or lending partner has its own late payment policy and fees. Check your loan documents for details or contact your lender or lending partner directly. Some states may regulate or limit late fees.
How is my private information protected
When can I get another loan?
You can use our service to get a new loan at any time (subject, of course, to state law restrictions). If you have recently taken out another personal loan that is still outstanding, please inform your new lender or lending partner before accepting a new loan.
Is an extension possible on repaying my loan, and how many extensions can I get?
The rules on extensions or “rollovers” varies among lenders or lending partners and also may be regulated by state law. Some states allow for multiple rollovers while others do not allow it at all. If you need an extension on your loan, make sure to contact your lender or lending partner before you miss any payments. Most lenders or lending partners will work with you to help you avoid missing payments or defaulting on your loan.
What happens if I’m not able to repay my loan?
If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.
If you can’t make your payments on time, don’t ignore it! Talk to your lender or lending partner ahead of time and see what they can do to help you make the best of the situation.