Terms of Use
Last Updated: April 18, 2025
Welcome to Lendtly.com (the “Website”), which is owned and operated by Brightline USA LLC, doing business as Lendtly (“Company,” “we,” “us,” or “our”).
These Terms of Use (“Terms”) govern your access to and use of our Website and services. By using, browsing, submitting your information through, or interacting with this Website, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
If you do not agree to these Terms or our Privacy Policy, please discontinue use of the Website immediately.
Services
This Website is intended for personal, non-commercial use by residents of the United States who are at least 18 years of age. The Website allows users to inquire about or apply for personal loans.
Lendtly.com provides access to lending information but does not directly issue loans. Any loan offer you may receive is issued directly by a third-party lender or lending partner. Brightline USA LLC dba Lendtly is not a lender and does not make credit decisions.
Licensing
Brightline USA LLC dba Lendtly complies with applicable state and federal lending and marketing regulations. Loans may not be available in all states. Licensing and registration details are disclosed where applicable.
Credit Authorization
By submitting your loan request, you authorize participating lenders or lending partners to obtain a soft credit pull to determine eligibility and possible loan terms. This soft inquiry does not affect your credit score. A hard inquiry may occur upon accepting an offer.
Electronic Communications & eSign Consent
By submitting information on our Website, you agree to receive electronic communications from us and our partners, including disclosures, notices, and agreements. Your action, such as clicking a button labeled “Get Cash Now” or “Submit,” constitutes your electronic signature and confirms your ability to receive documents electronically (e.g., email, PDF, website).
SMS Terms of Service
Brightline USA LLC dba Lendtly may send SMS/text messages to users who opt in during the application or inquiry process.
1. Consent
By checking the SMS consent box, you provide express written consent to receive automated SMS messages regarding your application, updates, or support. You are not required to provide consent to make a loan inquiry.
2. Message Types
Messages may include:
Application updates
Appointment confirmations
Document requests
Loan-related status messages
3. Message Frequency
You may receive up to 2–3 SMS messages per week. Frequency varies based on your activity.
4. Message & Data Rates
Standard message and data rates may apply. Check with your mobile carrier for details.
5. Opt-Out
Reply STOP to unsubscribe. Reply HELP for assistance. You may also contact us at [email protected].
6. Compliance
SMS messages are sent only between 8 AM – 9 PM local time. We use verified 10DLC numbers or dedicated short codes—no shared codes are used.
Email Communications
By providing your email and submitting your request, you consent to receive emails from Lendtly, its partners, or related third parties. These may include transactional, support, or promotional content. You can unsubscribe at any time via email or by contacting [email protected].
Use Restrictions
By using this Website, you agree not to:
Use the Website for unlawful, abusive, or fraudulent purposes
Submit false or misleading personal or financial information
Interfere with Website functionality or attempt unauthorized access
Use bots, scrapers, or automated tools without consent
Violations may result in termination or legal action.
Third-Party Websites & Content
The Website may link to third-party websites or display offers from independent lenders. Brightline USA LLC dba Lendtly is not responsible for the content, practices, or privacy policies of these third parties. Your interactions with such providers are solely between you and them.
Intellectual Property
All materials on this Website—including text, code, graphics, trademarks, and logos—are owned or licensed by Brightline USA LLC. You may not copy, distribute, or use any content for commercial purposes without written permission.
Disclaimer of Warranties
This Website is provided on an “as is” and “as available” basis. We make no guarantees regarding the accuracy, availability, or reliability of information. We disclaim all warranties, express or implied, including merchantability or fitness for a particular purpose.
Limitation of Liability
Under no circumstances shall Brightline USA LLC dba Lendtly be liable for indirect, incidental, special, or consequential damages resulting from your use of the Website or reliance on any information provided.
Indemnification
You agree to indemnify and hold harmless Brightline USA LLC dba Lendtly, its officers, employees, and affiliates from any claims, losses, or damages, including legal fees, arising out of your use of the Website or violation of these Terms.
Arbitration Agreement & Class Action Waiver
By using this Website, you agree that any disputes or claims arising from your use will be resolved through binding arbitration. You waive your right to file or participate in any class action.
Arbitration will be conducted under JAMS rules or a similar forum.
Individual claims under $1,000 may be eligible for small claims court.
The arbitrator may not consolidate multiple claims without written consent from both parties.
Changes to Terms
We reserve the right to modify these Terms at any time. Updates will be posted with a new effective date. Continued use of the Website constitutes your acceptance of the revised Terms.
Contact Information
For questions, support, or legal concerns, contact:
Brightline USA LLC dba Lendtly
Email: [email protected]
Website: www.Lendtly.com
For information about a specific loan offer, contact your lender directly.
Legal Disclosures
Loans are offered through third-party lenders. Availability and terms vary by state. Licensing information will be provided as required by applicable law.