The following disclosures are provided to ensure transparency regarding our services, relationships with third parties, and important consumer information. Please read these disclosures carefully before using our services.
1. Company Status and Services
Z Lend is a marketing and referral service company. We are NOT:
- A lender or creditor
- A loan broker or mortgage broker
- A debt relief, debt settlement, or credit repair company
- A financial advisor or credit counselor
We connect consumers with licensed third-party lenders, brokers, and financial service providers. We do not make lending decisions, set loan terms, or guarantee loan approval.
2. Loan Terms and APR Disclosure
Loan terms, including Annual Percentage Rate (APR), loan amounts, repayment terms, and fees, vary by lender and are subject to:
- Your creditworthiness and credit history
- Income and employment verification
- State laws and regulations
- Individual lender policies and underwriting criteria
APR Range: APRs offered by our lending partners typically range from 5.99% to 35.99%, depending on the lender and your qualifications. Some lenders may offer rates outside this range.
Loan Amounts: Loan amounts typically range from $1,000 to $100,000, subject to lender approval and state regulations.
Repayment Terms: Repayment periods typically range from 12 to 84 months, depending on the lender and loan product.
3. Representative Loan Example
For illustration purposes only: A $10,000 personal loan with a 36-month term at 15.00% APR would result in approximately 36 monthly payments of $346.65, with a total repayment amount of approximately $12,479.40.
This example is for informational purposes only. Actual terms will vary based on your qualifications and the lender you are matched with.
4. Credit Impact Disclosure
Soft Credit Inquiry: When you submit a request through our website, we or our partners may perform a "soft" credit inquiry that does not affect your credit score.
Hard Credit Inquiry: If you proceed with a loan application through one of our lending partners, they may perform a "hard" credit inquiry, which may impact your credit score. You will be notified before any hard inquiry is conducted.
5. No Guarantee of Approval
Submitting information through our website does not guarantee:
- Loan approval or pre-qualification
- Specific loan terms or rates
- Matching with a lender
- Funding of any loan product
All credit decisions are made solely by third-party lenders based on their own underwriting criteria.
6. State Availability
Loan products and services are not available in all states. Availability depends on state regulations and individual lender licensing. Some states may have restrictions on loan amounts, terms, or APR caps.
7. Compensation Disclosure
Z Lend may receive compensation from third-party lenders and financial service providers when you are matched with or funded by a lender through our platform. This compensation may vary based on the lender, loan product, and other factors.
This compensation does not affect your loan terms or the rates offered by lenders, which are determined solely by the lender based on your qualifications.
8. Third-Party Relationships
We work with a network of third-party lenders, lending platforms, and service providers. These partners operate under their own terms, privacy policies, and licensing requirements. We encourage you to review the terms and policies of any lender before accepting a loan offer.
Our partners may include, but are not limited to, banks, credit unions, online lenders, and lending marketplaces.
9. Late Payment and Non-Payment Consequences
Failure to make timely loan payments may result in:
- Late fees and penalty charges
- Increased interest rates
- Negative impact on your credit score
- Collection activities
- Legal action by the lender
Contact your lender immediately if you anticipate difficulty making payments.
10. Scam Prevention Notice
Z Lend will never:
- Guarantee loan approval regardless of credit
- Ask for upfront fees or payments before providing services
- Request payment via gift cards, wire transfers, or cryptocurrency
- Pressure you to act immediately or make hasty decisions
If you encounter any of these practices, it may be a scam. Report suspicious activity to the FTC at reportfraud.ftc.gov.
11. Equal Opportunity Notice
Our lending partners are committed to providing equal access to credit. Federal law prohibits creditors from discriminating against applicants based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or exercise of rights under the Consumer Credit Protection Act.
12. Financial Counseling Resources
Before taking on debt, consider consulting with a non-profit credit counselor. Free or low-cost counseling services are available through organizations accredited by the National Foundation for Credit Counseling (NFCC) at nfcc.org.
13. Contact Information
For questions about these disclosures or our services:
Z Lend
Please contact us at support@zlend.co