Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out
professional financial advice.
This website is not an offer to lend. Lending Buddies is not a lender or lending partner and does
not make loan or credit decisions. Lending Buddies connects interested persons with a lender or
lending partner from its network of lenders and lending partners. Lending Buddies does not control
and is not responsible for the actions or inactions of any lender or lending partner, is not an
agent, representative or broker of any lender or lending partner, and does not endorse any lender or
lending partner. Lending Buddies receives compensation from its lenders and lending partners, often
based on a ping-tree model similar to Google AdWords where the highest available bidder is connected
to the consumer. Regardless, Lending Buddies's service is always free to you. In some cases, you may
be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal
and certain federal laws while being immune from state law including usury caps. If you are
connected to a tribal lender, please understand that the tribal lender's rates and fees may be
higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve
any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan
offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer
that you cannot afford to repay or that includes terms that are not acceptable to you.
This service is not available in all states. If you request to connect with a lender or lending
partner in a particular state where such loans are prohibited, or in a location where Lending
Buddies does not have an available lender or lending partner, you will not be connected to a lender
or lending partner. You are urged to read and understand the terms of any loan offered by any lender
or lending partner, and to reject any particular loan offer that you cannot afford to repay or that
includes terms that are not acceptable to you.
By submitting your information via this website, you are authorizing Lending Buddies and its
partners to do a credit check, which may include verifying your social security number, driver
license number or other identification, and a review of your creditworthiness. Credit checks are
usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but
also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also
authorize Lending Buddies to share your information and credit history with a network of lenders and
lending partners.
Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified
consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All
loans are subject to the lender's approval based on its own unique underwriting criteria.
Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30.
Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78 Loans include a minimum repayment
plan of 12 months and a maximum repayment plan of 30 months.
Lender's or Lending Partner's Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees
and rate information pertaining to the loan being offered, including any potential fees for
late-payments and the rules under which you may be allowed (if permitted by applicable law) to
refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the
lender or lending partner based on the lender's or lending partner's internal policies, underwriting
criteria and applicable law. Lending Buddies has no knowledge of or control over the loan terms
offered by a lender and lending partner. You are urged to read and understand the terms of any loan
offered by any lenders and lending partners and to reject any particular loan offer that you cannot
afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit
score. To protect yourself and your credit history, make sure you only accept loan terms that you
can afford to repay. If you cannot make a payment on time, you should contact your lenders and
lending partners immediately and discuss how to handle late payments.
