Disclaimers & Disclosures

Last updated: September 29, 2026

1. Loan Product Disclosure

LendPoint.org offers short-term payday loans ranging from $100 to $1,000 with repayment terms of 7 to 30 days. These are high-cost credit products intended to address short-term, unexpected financial needs — not as a solution for long-term debt or ongoing expenses.

Representative example: Borrowing $500 for 14 days with a $75 finance charge results in a total repayment of $575 and an APR of approximately 391%. APR is calculated as (finance charge ÷ amount borrowed) × (365 ÷ loan term in days) × 100.

Your actual APR, finance charge, fees, payment schedule, and total repayment amount will be disclosed in your loan agreement in compliance with the federal Truth in Lending Act (TILA) before you sign. Never accept a loan without reading these documents in full.

2. Cost of Credit Warning

Short-term loans carry significantly higher APRs than traditional credit products such as credit cards or personal loans. Typical payday loan fees range from $10 to $30 per $100 borrowed. Rolling over or renewing a loan adds new fees without reducing the principal balance, which can substantially increase your total cost. Borrow only what you need and what you are confident you can repay on time.

3. Eligibility & Approval Disclaimer

• You must be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi in some cases per state law) to apply.
• You must be a U.S. citizen or permanent resident with verifiable income of at least $800 per month and an active checking or savings account.
• Submitting an application does not guarantee approval. All applications are subject to verification, underwriting criteria, and state law.
• Checking your initial eligibility involves a soft inquiry and will not affect your credit score. Proceeding with a loan may involve a hard credit inquiry as disclosed in your agreement.

4. State Availability Disclaimer

Payday lending is regulated at the state level, and laws differ significantly. Loan amounts, maximum fees, allowable terms, rollover rules, and cooling-off periods vary by state. Some states restrict or prohibit payday lending entirely.

LendPoint.org only offers products that comply with the laws of your state of residence. If a product is not available in your state, we will inform you during the application process and will not attempt to circumvent state law.

5. Funding Time Disclaimer

"Next business day funding" refers to applications that are approved and completed before the daily funding cutoff time on a business day. Actual deposit times depend on your bank's processing schedules. Applications completed on weekends, federal holidays, or after the cutoff may be funded on the following business day or later. Funding times are estimates, not guarantees.

6. Late Payment & Default Disclaimer

Failure to repay your loan on time may result in late fees, additional interest where permitted by state law, collection activity, and negative reporting to credit bureaus. Unpaid debts may be referred to third-party collection agencies. If you anticipate difficulty repaying, contact us before your due date to discuss available options under your state's laws.

7. Earnings & Results Disclaimer

Any references on this website to financial outcomes — including examples of loan amounts, funding speeds, approval experiences, savings, or customer results — are illustrative examples or individual testimonials. They are not guarantees, promises, or projections of what you will receive or experience.

• Testimonials reflect individual experiences and exceptional results; your experience may differ.
• Example calculations (including the loan calculator and rates table) use representative figures and do not constitute an offer of credit or a commitment to lend on those terms.
• No statement on this site should be interpreted as financial advice. For guidance about your financial situation, consult a qualified financial advisor or a nonprofit credit counseling agency.

8. Responsible Borrowing

Before borrowing, we encourage you to:

• Confirm the loan is for a genuine short-term need you cannot cover another way.
• Verify that the single repayment (principal plus fee) fits your budget on the due date without leaving you short on essentials like rent, food, or utilities.
• Consider lower-cost alternatives first: negotiating a payment plan with the biller, local emergency assistance programs, borrowing from family, or a credit union Payday Alternative Loan (PAL), which federal rules cap at 28% APR.
• Avoid rolling over loans repeatedly — each renewal adds fees while the amount you owe stays the same.

If you are experiencing ongoing financial difficulty, free help is available from nonprofit credit counseling agencies accredited by the National Foundation for Credit Counseling (NFCC).

9. Marketing Communications Disclaimer

By providing your contact information, you consent to receive calls, texts, and emails from LendPoint.org about your application and account, including via automated means, at the numbers and addresses you provide. Message and data rates may apply. You may opt out of marketing messages at any time; transactional messages about your account may still be sent as required by law.

10. Website Content Disclaimer

Content on LendPoint.org is provided for general information only and may not reflect the most current legal or regulatory developments. While we strive for accuracy, we make no warranties about completeness or reliability. This website does not provide legal, tax, or financial advice.

11. Changes to These Disclaimers

We may update these disclaimers at any time to reflect changes in our products, practices, or applicable law. The version in effect at the time of your application governs your application.

12. Contact

Questions about these disclaimers?
Phone: 1-800-555-0142 (Mon–Sat, 8am–8pm CT)
Email: support@lendpoint.org
Mail: LendPoint.org, 1000 Financial Plaza, Suite 400, Austin, TX 78701