TERMS AND CONDITIONS

*3-4 hour funding time is based on the time it takes to fund a loan after a completed application has been made prior to 1 p.m. PST on a business day. In some cases, credit underwriting and due diligence may require additional documents, which can delay funding time. Credit amounts and interest rates available may vary based upon the credit profile of each borrower, and not all borrowers will be eligible for the full range of credit and interest rates possible under this offer. Credit approval is not guaranteed and is dependent upon underwriting guidelines.

For Prime Loans, the APR ranges from 16.68% to 35.16%. For example, a homeowner in California with 740 FICO, who meets income and other credit requirements could receive a Prime loan for $7,500 with an interest rate of 12.90% and a 17.00% origination fee of $,1275 for an APR of 16.68%. In this example, a consumer would receive $6,225 deposited into his or her account and will make 180 monthly payments of $94.40 each. The minimum loan amount for Prime loans is $7,500. For Less-Than-Prime Loans, the APR ranges from 97.32% to 184.36%. For example, a consumer in California with a 560 FICO who meets income and other credit requirements could receive a loan for $10,600 with an interest rate of 74% and an origination fee of $2,500 for an APR of 97.32%. In this example, the consumer would receive $8,100 deposited into their account and will make 84 monthly payments of $657.98. The minimum loan amount for Less-Than-Prime loans is $2,600.

If, within seven (7) calendar days of the funding your loan with LoanMe, you repay us the full amount we disburse to you, your loan will be deemed paid in full, without you paying any interest or having to repay the loan fee. To receive the benefit of this offer, payment in full of the amount disbursed to you (i.e., the amount you directly receive from LoanMe) must be received no later than 11:59 p.m. (in the time zone in which you reside) on the seventh (7th) day after the date you receive funds from LoanMe. If payment is not received by that time, you will owe the full amount of the loan indicated on your Promissory Note, including the amount disbursed to you, the loan fee, and interest accruing from the date your loan funded. For example, using the above 740 FICO Prime loan as an example, if the amount disbursed ($6,600) is paid in full within seven (7) calendar days after the date the LoanMe loan funds, no interest would be charged on the amount disbursed, repayment of the loan fee would not be required, and the loan would be deemed paid in full. Likewise, for example, using the above 560 FICO loan, if the amount disbursed ($8,100) is paid in full within seven (7) calendar days after the date the LoanMe loan funds, no interest would be charged on the amount disbursed, repayment of the loan fee would not be required, and the loan would be deemed paid in full.

No collateral is required for this loan. Eligibility requirements for this loan include, but are not limited to acceptable credit score, income and minimum age. The 7-Day Guarantee promotion is only available to California residents.

Borrowers who previously obtained a 7-Day No-Interest loan from LoanMe are not eligible for the 7-Day Guarantee promotion. The 7-Day Guarantee promotion is only available once per borrower.