Chosen by you, in $500 steps. One job per loan.
Credit checks. We read cash flow, not a bureau file.
From first screen to a decision with every number on it.
52 biweekly payments. Pay it off early for free.
See every number before you commit.
The rate, the payment, the total, every fee and the security — on one screen, before you are asked for anything. Nothing pre-ticked, nothing in a drawer.
Your offer
$3,000 for thefurnace
$78.58every two weeks
- Amount
- $3,000
- Every two weeks
- $78.58
- Payments
- 52
- Annual rate
- 24.99%
- Total you repay
- $4,085.99
- Pay off early
- $0
Money in hours, not weeks.
A decision in under five minutes. Funds the same day on the expedited path. The furnace doesn't wait for an appraisal, so neither do we.
Thursday
- Application started9:40 AM
- Bank connected9:42 AM
- Approved — $3,0009:44 AM
- Funds sent2:14 PM
It's supported by your home. Here's exactly what that means.
Nothing is registered against your property while you pay. If the loan defaults, Lendio can register a claim that sits behind your mortgage. You read it on its own screen, in these words, before you sign.
Step 7 of 8
Understand the security.
This loan is supported by your home. Nothing is registered against your property today, and nothing will be while the loan is being paid. If the loan defaults, Lendio can register a claim that sits behind your mortgage.
I have read this and I understand that my home supports this loan.
The money goes to you.
Not to a contractor, not to a showroom, not to whoever happens to be selling finance at your kitchen table. It lands in your account and you pay whoever you choose to do the work. That is the whole arrangement.
Fixed.Properly.
Every loan is for one job, on a home you own.
Built for the jobs that can't wait.
Pick one and it drops straight into your offer.
Four steps. Nothing hidden in any of them.
01
Tell us the jobPick the work and the amount. No quote to upload, no invoice to chase. Thirty seconds.
02
Connect your bankWe look at income and spending to confirm the payment fits. Read-only, through Plaid. We never see your login.
03
See every numberPayment, total, every fee and the security — on one screen, before you sign.
04
Funded todaySame day before 5:00 PM on the expedited path. Next business day otherwise.
Questions people actually ask.
The answers are the same ones on the offer sheet. That is the point.
You do. It goes to the account you connected. You choose who does the work and you pay them yourself — we are not in the middle of that.
No. Tell us the job and the amount. We don't ask for a quote, an invoice or a receipt.
No. We read your bank account through Plaid — income and spending — to confirm the payment fits. We don't pull a bureau file, we can't move money, and we never see your login.
Every number is on the offer sheet before you sign: the amount, the biweekly payment, the number of payments, the annual rate of 24.99%, the $5 per-payment fee, and the total you repay. On $3,000 that is $78.58 every two weeks and $4,085.99 in total.
Nothing is registered against your property today, and nothing will be while the loan is being paid. If the loan defaults, Lendio can register a claim that sits behind your mortgage. You see this in plain words, on its own screen, before you sign.
Yes, any time, for free.
A returned payment costs $99. It is on the offer sheet, next to every other number.
Same day before 5:00 PM on the expedited path, which costs $100 and is deducted from the advance. Otherwise the next business day.
