Lenme: Borrowing and Lending

GET CASH FAST. BORROW SMART. INVEST WISELY.

Lenme is a cash advance and lending marketplace where eligible users can apply for a $200 cash advance, request personal loans up to $5,000, and explore ways to fund loans and earn potential returns, all in one app.

CASH ADVANCES FOR ELIGIBLE USERS
Low balance before payday? Apply for a cash advance with no traditional credit check required. Availability, amount, and funding speed vary by borrower, bank, and eligibility; some advances may include a fee.

PERSONAL LOANS UP TO $5,000
- Post your loan request in seconds
- Real lenders may compete to fund you
- Compare offers and pick the one that fits — APR and terms vary by lender and creditworthiness
- Repay over up to 12 months in installments
- Borrowers with limited or poor credit may qualify; a soft credit check is used to view offers

GET FUNDED IN 4 STEPS
1. Download Lenme and connect your bank
2. Request a cash advance or set your loan amount and term
3. Review real loan offers from lenders, when available
4. If approved, funds are sent to your account

BALANCE GUARD: HELP AVOID OVERDRAFT FEES
Set a balance limit and Lenme may offer a cash advance option before a potential overdraft, subject to eligibility and approval.

EARN REWARDS
Play featured games, answer surveys, and browse Marketplace deals for a chance to earn rewards. Rewards vary by activity and are not guaranteed; see in-app terms for details.

OWN CRYPTO? EXPLORE CRYPTO-BACKED LOANS UP TO $10,000
Connect your wallet to apply for a loan backed by your crypto holdings, without selling your coins. Crypto values can be volatile, and your collateral may be at risk.

INVEST IN LOANS, EARN POTENTIAL RETURNS
Fund loans from $50 and set your target rate. Returns depend on borrower repayment, are not guaranteed, and you may lose some or all of your investment.

Download Lenme, the cash advance and personal loan app that pays you back.

Lenme is a lending platform that connects people looking to borrow money with financial institutions, lending businesses, and individual investors looking to invest in the loan market. Users remain completely anonymous throughout the entire borrowing/lending process. For transparency and to encourage a fair and competitive market, the “feed” tab within the app allows users to see which loans are being funded and at what interest rate.

Lenme offers monthly and annual subscription plans available via In-App Purchases. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. You can manage or cancel your subscription at any time by going to your Account Settings on the App Store after purchase.

Crypto-backed loans, our new product allows investors to fund cash loans backed by cryptocurrency owned by the borrower. Cryptocurrencies are used as collateral and may be liquidated in case of default or sudden price drop of the held currency.

Since our app is not directly involved in the lending decision, we cannot guarantee the interest rate borrowers will be offered. All borrowers have the option to request a loan on our platform for up to a 12-month repayment period, paid in installments. Lenders can offer loans for a minimum of 3% APR based on the credit score and their own criteria. The lending decision is based on multiple factors viewable on our app, including credit, income, and cash flow analysis.

A representative example of the total cost of the loan, including all applicable fees: If you borrow $1,000 over a term of 1 year with an APR of 12% and an origination fee of 1%, you will pay $89.75 per month. The total amount payable will be $1,076.96, with a total interest and fees of $76.96.

For more information, see our Terms of Use and Privacy Policy:
https://lenme.com/privacy-policy/
https://lenme.com/term-of-use/