loan

lendunited.app is a marketplace that connects you to a network of trustworthy lenders or lending partners that may be able to offer you a loan. Their service is always free–you will never be charged for sending an inquiry. Your lender or lending partner will have its own rates and costs, which you will be informed of before accepting the loan. lendunited.app is neither a lender nor a lending partner, and it makes no credit judgments.

 

Because existing clients may have questions about lendunited.app, we’ve created a list of the most frequently asked questions below. If you have a question that isn’t answered here, we’d be delighted to help.

 

If you have any queries concerning a loan inquiry, approval, funded loan, payments, or anything else related to a specific loan, please contact your lender or lending partner directly. If you got a loan, you should already have the contact information for the lender or lending partner. We cannot address inquiries concerning pending or authorized loans because we are not the lender or lending partner.

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How Do You Utilize Lendunited.app?

All you have to do is fill a form on the lendunited.app. They will immediately submit your loan request to a lender or lending partner from their network of reputable brands. You may apply for a loan of as little as $100 and as much as $5,000. Please keep in mind that the precise loan amount will vary depending on your area and the programs of their lenders. In most situations, their lenders or loan partners will respond the same day.

These are the requirements you must fulfill in order to be accepted for a loan from a lender in their network:

 

  • Be employed full-time for at least 90 days.
  • You must be at least 18 years old and either a US citizen or a permanent resident of the United States.
  • Have a monthly income of around $1,000 after taxes.
  • Maintain a personal bank account.
  • You must be able to give a current home and/or business phone number.
  • Have a working email address.

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RATES AND FEES

lendunited.app never sets a price for any of its services. lendunited.app does not act as a lender or lending partner, nor does it offer direct lending services to its clients. Using the information supplied by such potential customers, the lendunited.app simply links such potential consumers with relevant lenders and lending partners from its network of trusted brands.

 

According to the Truth in Lending Act, all loan costs and interest rates associated with a specific loan must be fully disclosed. The lender or lending partner is required by law to communicate such fees and interest rate data to potential consumers upon loan approval. Please keep in mind that if you are authorized for a loan by a lender or lending partner, you will most likely be led to a page requiring your e-signature. This page is independent of the lendunited.app and belongs to the lender or lending partner that provided you with the loan.

Terms & Conditions

Any lender or lending partner they link you with is responsible for supplying you with documentation that includes all fees and interest rates associated with their credit offer. Please read any fee and interest rate details provided to you by the lender or lending partner carefully and thoroughly. Before agreeing to the loan’s terms of the agreement, it is critical to study and comprehend those costs. Keep in mind that you are under no obligation to accept the loan’s terms. Please e-sign the terms of the agreement page and acknowledge the loan transfer of funds only if you are confident that the loan terms provided by the lender or lending partner are correct.

 

Remember that all costs and interest rates associated with a loan provided by a lender or lending partner are established by the lender or lending partner. Certain amounts may be determined based on the information you provide to them via their website. Lendunited.app is not affiliated with or aware of any loan agreements or terms between consumers and lenders or lending partners. Keep in mind that you are under no obligation to accept or proceed with a loan request if the terms given by the lender or lending partner are unacceptable to you.

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Frequently Asked Questions

What exactly is a personal loan?

Personal loans are known by many names, but they all serve the same purpose: to give you temporary financial assistance.

 

Who is eligible for a personal loan?

  • The majority of lenders or loan partners demand you to:
  • Continue to work in your present employment for at least 90 days;
  • You must be at least 18 years old and either a US citizen or a permanent resident of the United States.
  • Have a monthly income of around $1,000 after tax withholdings; and
  • You must have a working email address, a work phone number, and a home phone number.

 

How much money can I borrow?

The amount a lender or lending partner is willing to lend you is determined by how the lender or lending partner analyses a variety of criteria, including your state of residency and any applicable legislative limitations (loans are not available in all states). Many of their network’s lenders or lending partners will differ in the amount they are willing to lend.

 

How will I be able to obtain the loan funds?

Once your loan has been approved by the lender or lending partner and you have agreed to the loan conditions, your money will be paid straight into your bank account, generally the next day.

 

Can I receive a loan if I have bankruptcy or terrible credit?

Personal loans are often available to those with good credit, however, each lender or lending partner has its own underwriting standards. A short-term consumer loan may be an option for individuals with terrible credit.

 

If they are unable to locate a lender or lending partner who can provide you with a personal loan for the amount you have asked for, they will explore their network of short-term lenders or lending partners to see if they can locate a short-term lender or lending partner for you.

 

How long will the procedure take?

Completing their secure online form should only take a few minutes. They immediately begin looking for a lender or loan partner that is willing to deal with you as they get your information. Within minutes, you should receive a response from one of their lenders or lending partners. Final approval and financing are frequently completed in as little as 24 to 48 hours.

 

Do I need a printer or fax?

Some lending institutions or lenders may ask you for permission to access your data such as bank statements and income verification online, thereby removing the need to send faxes or emails copies of these documents. However your lender or lender may require you to fax, or email copies of your banking statement your paycheck statements, or other forms of information. If you don’t own a printer or scanner think about going to Office Max, Kinkos, or an alternative office service provider. It is also recommended that you be able to access a printer, so you can print copies of the loan agreement. If you have any questions following the funding of your loan You will require the lender’s or lending partner’s contact details!

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What is the price of a short-term consumer loan?

There is no cost for using lendunited.app’s marketplace services. The exact price of your loan could differ depending on the lender or partner. You will receive information about the fees and rates before you sign the loan. Personal loans are not intended to be long-term financial solutions, but they are usually cheaper than late fees, NSF fees, or reconnect fees for late-payments on utilities. You should only take the loan when you are confident that you are able to pay it back.

If I hold a loan for cash advances that I am not able to repay, is it possible to obtain another one?

It is possible to take out several personal loans in a moment, however, this is contingent on the laws of your state and the lending partner or lender’s methods. If you’re in the middle of a personal loan or any other loan, make sure you inform the new lending institution or lender know prior to approving the loan.

 

What happens when and how do I pay back my loan?

If you’ve selected the safe and convenient ACH choice for payment, your loan will be taken out of your account at the time of its due date. This option is designed to provide ease of use and can help you avoid penalties for late payments or even default! If you require an extension for your loan, get in touch with your lender or lending company before you make a missed payment (additional charges could be involved).

 

How do I handle a situation where I’m in the middle of making a payment?

Every lender or lending partner has its own late payment policy and charges. Examine your loan documentation for specifics or contact your lender or the lending partner directly. Certain states could limit or regulate late fees.

 

How is my personal information secured?

They use industry-recognized and reputable security systems and modern encryption techniques to safeguard your personal data. The information you provide us is stored and transmitted in a secured format. Check out their privacy policies for more information.

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How do I obtain another loan?

Their service allows you to apply for a new loan anytime (subject obviously to any state-specific limitations). If you’ve taken out a personal loan and it is in the process of being paid, you must notify your lender or lending partner prior to making a decision to take out a loan.

 

Are extensions possible for the loan repayment, and how many extensions could I obtain?

The regulations on extension or “rollovers” vary among lenders or lending partners and might be governed by the law of the state. Certain states permit multiple rollovers, while some don’t permit the practice in any way. If you are in need of an extension to your loan, be sure you contact your lending partner prior to when you fail to make any payments. Many banks or lenders will assist you to make sure you do not miss payments or owing on the loan.

 

What will happen if I’m not able to pay my loan back?

If you aren’t able to pay your loan on time, you could end up in the midst of loan default. In the event of loan defaults or late payments, it can negatively affect your credit score and hinder your ability to get the next personal loan.

 

If you aren’t able to pay in time, don’t overlook it! Speak to your lender or loan partner ahead of time to see how they might help to make the most of the situation.

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