Terms and Conditions

License Grant

This Agreement provides you with a limited, non-exclusive, non-transferable, and non-sublicensable license to access and use the Website solely for your personal use or internal business purposes in accordance with these Terms.

License Restrictions

The foregoing license is limited. You therefore may not:

(i) Use, copy, store, reproduce, transmit, distribute, display, rent, lease, sell, modify, alter, license, sublicense, or commercially exploit the Website (or any part thereof) in any manner not expressly permitted by this Agreement;
(ii) Reverse engineer, decompile, disassemble, translate, or create derivative works of the Website;
(iii) Access or attempt to access any source code; or
(iv) Remove or obscure any proprietary notices contained in the Website.

Exceeding the scope of this license constitutes a material breach of this Agreement.

User Obligations

You agree to use the Website in compliance with all applicable local, state, federal, and international laws and regulations. You are solely responsible for the accuracy of any information you submit and for your use of the Website.

Proprietary Rights

All content on the Website, including software, text, graphics, images, design, layout, and code (collectively, “Materials”), is owned or licensed by Lendera LLC.

No ownership rights are transferred to you. Unauthorized use of the Website or Materials may violate intellectual property and other applicable laws.

Links to Other Sites

The Website may contain links to third-party websites. Lendera does not control and is not responsible for the content, policies, or practices of third-party sites. Accessing such sites is at your own risk.

Mobile Services

The Website may include services accessible via mobile devices (“Mobile Services”).

Lendera does not charge for Mobile Services; however, your carrier’s standard messaging and data rates may apply. Availability of Mobile Services depends on your mobile carrier and device compatibility.

SMS & Text Message Terms

Lendera LLC uses SMS messaging strictly for customer care and account servicing purposes. We do not send unsolicited promotional text messages.

SMS Opt-In

You may opt in to receive SMS communications by:

Submitting your mobile number through a website form that includes an unchecked consent checkbox;
Providing written authorization; or
Providing recorded verbal authorization.

Consent Language:

“I consent to receive SMS text messages from Lendera LLC and its authorized representatives regarding inquiry responses, application status updates, appointment reminders, documentation requests, and account notifications. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance. Consent is not a condition of obtaining services.”

The checkbox is not pre-selected and requires affirmative action. You may also continue your application by calling 833-536-3372 without opting into SMS.

Message Types

Inquiry follow-up
Application updates
Appointment reminders
Documentation requests
Account notifications
Customer support responses

Messages are informational and service-related only.

Sending Numbers

833-536-3372
Other company-owned numbers assigned to authorized representatives operating under registered messaging campaigns

Message Frequency & Rates

Message frequency varies based on account activity. Message and data rates may apply. Mobile carriers are not liable for delayed or undelivered messages.

Opt-Out Procedures

You may opt out at any time by replying STOP.

For assistance, reply HELP or contact:

833-536-3372
info@lenderalending.com

No Third-Party Lead Lists

Lendera does not use purchased, rented, or shared third-party lead lists for SMS communications.

Loan & Regulatory Disclosures

All loans available through LendEra Funding, LLC are made by lenders in their network and are subject to eligibility criteria and credit review.

Loan terms depend on creditworthiness, underwriting guidelines, and lender approval. Eligibility is not guaranteed. Loans may not be available in all states.

Repayment periods typically range from 24 to 60 months.

APR Range: 5.99% to 24% APR (includes applicable fees).

Example: A 60-month $16,000 loan with a 14.84% interest rate and 15.99% APR would have an estimated monthly payment of $379.30 and total finance charges of $7,158.00.

NMLS Lendera LLC (2721990)

Important Information About Opening an Account

Federal law requires financial institutions to obtain, verify, and record identifying information when opening an account. You may be asked for your name, address, date of birth, and government-issued identification.

Warranty Disclaimers

THE WEBSITE AND MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

LENDERA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

LENDERA DOES NOT WARRANT THAT THE WEBSITE WILL BE ERROR-FREE OR UNINTERRUPTED.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LENDERA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM USE OF THE WEBSITE OR SERVICES.

Your sole remedy if dissatisfied is to discontinue use of the Website.

Dispute Resolution

Any dispute arising from this Agreement shall be resolved by binding arbitration in Davidson County, Tennessee, under the rules of the American Arbitration Association.

You waive the right to a jury trial and to participate in class or collective actions.

Technological Risks

Use of online services involves inherent security risks. While Lendera implements safeguards, no system can guarantee absolute security.

Privacy

Your use of the Website is subject to our Privacy Policy, which is incorporated by reference.

Termination

Lendera may terminate access to the Website if it reasonably believes you have violated this Agreement. You may terminate by discontinuing use of the Website.

Certain provisions survive termination, including limitation of liability, arbitration, and proprietary rights.

Miscellaneous

This Agreement constitutes the entire agreement between you and Lendera regarding the Website.

If any provision is deemed invalid, the remaining provisions remain in effect.

Lendera may update these Terms at any time. Continued use constitutes acceptance of updated Terms.

Contact Information

LendEra Lending Inc.
Customer Care: 833-536-3372
Email: info@lenderalending.com
Website: https://lenderalending.com/