Ad Disclosure

Lendifi.io is operated by Apex Lead Group LLC. We do not charge consumers to use our service. Instead, we earn revenue when consumers submit information through our website and we connect them with our lender partners, third-party lender networks, and other marketing partners.

This compensation may be paid to us on a per-lead, per-click, per-funded-loan, or revenue-share basis, depending on the partner. The amount we are paid by each partner can vary significantly, and this difference impacts which lenders or offers you may be shown and in what order.

When you submit a form on this site, our system processes the information you provided to determine which lenders in our direct network have expressed interest in offering a loan to consumers like you. We then share all of your information with these lenders so they can decide whether and how much they are willing to pay us to be connected with you.

If only one lender is willing to pay us to be connected to you, we connect you with that lender. If more than one lender is willing to pay us to be connected with you, our system uses a number of variables to determine which lender to connect you with. However, the amount the lender is willing to pay us is likely to be the most important variable impacting which lender we connect you with.

We do not exercise any control over any lenders and we do not endorse any specific lender. Most users that are connected with a lender using our service are connected to lenders in our extended network, and not with lenders in our direct network. (See Section 2 to learn more about our extended network.)

If none of the lenders in our direct network are willing to pay us to be connected with you, we then share your information with our extended network of non-lender third-party lender networks ("Lender Networks") to see if any of the lenders in their networks are willing to pay us to be connected with you. These Lender Networks are loan marketing companies that are commonly referred to as "lead aggregators."

Examples of Lender Networks we may share your information with include (but are not limited to): LeadsMarket, Lead Stack Media, Engine by MoneyLion (formerly Even Financial), Monevo, LendingTree, and others.

These Lender Networks show your information to the lenders in their network to see if any are willing to pay them (and, indirectly, us) to be connected with you. If only one Lender Network has a lender that is willing to pay to be connected with you, we and the Lender Network connect you with that lender. If more than one Lender Network has a lender that wants to be connected with you, our system uses a number of variables to determine which Lender Network we will use. However, the amount the Lender Network is willing to pay us is likely to be the most important variable.

Our Lender Networks do not always share the identities of their lenders with us, and so we may not know which lender you are connected with if you are connected through a Lender Network. We also do not always know which lenders in their network they show your information to.

We utilize Lender Networks both because they increase the likelihood our users will be connected with a lender, and because they help us make a financial profit from our free-to-consumer service.

Many of our lenders and Lender Networks (together "Lending Partners") use service providers to manage their online consumer acquisition, facilitate their purchasing of internet traffic from websites like ours, verify your identity and information, look up your credit history, or for other reasons related to your loan request.

These service providers may receive and process your data on behalf of the Lending Partners they work for. In some cases, we receive compensation from these service providers and not from the lender directly.

We may connect you with a lender that offers you different loan amounts, loan terms, or rates than those you stated a preference for. If we are able to connect you with a lender, their identity will only be disclosed to you after you have submitted our form. We may redirect you to their site to see more about their loans, or they may reach out to you directly by phone, SMS, and/or email.

You can review their offers and decide whether to take out a loan with them. We highly recommend you compare multiple lenders and offers so you can make an informed decision about your loan.

Right after we have attempted to connect you with a lender, we may also show you ads for lenders and/or other finance-related products or services, such as debt relief, credit-builder products, or credit monitoring. We use some of the information you provide on our form to choose which of these products or services to advertise to you.

If you click on these ads, we may share your contact information with these advertisers so they can contact you about their products or services. These advertisers do not see any of the other information you provided on the form, but they may be aware that you submitted a form on this site and so may know what type of loan you were interested in obtaining or whether you were connected with a lender.

We are compensated by these advertisers. How much they pay us impacts which ads we show you and the placement of these ads. We show you these ads both because we think our users may benefit from the advertised products or services and because it helps us make a profit from our free-to-consumer service.

When you use our service, you agree to be added to our marketing lists so we can market to you after you are done using our service. We may send you ads or offers for loans and/or other credit-related products or services by email, SMS, phone, postal mail, or other methods.

We often utilize third-party advertising service providers to conduct this advertising on our behalf. These service providers will receive and process your contact information that's reasonably necessary to send you ads. They do not receive any of the other information you submit on our form. These service providers may also use their own technical service providers to facilitate the delivery of ads to you, which may necessitate your contact information being shared with these additional service providers.

We are compensated by these advertisers. How much they pay us impacts which advertiser's products or services we advertise to you. We advertise these products and services to you both because we think our users may benefit from the advertised products or services and because it helps us make a profit from our free-to-consumer service.

You can opt out of our marketing lists at any time by:

• Clicking the "unsubscribe" link in any marketing email we send you
• Replying STOP to any marketing SMS message
• Emailing legal@lendifi.io with subject "Unsubscribe"

THE OPERATORS OF THIS WEBSITE (Apex Lead Group LLC, d/b/a Lendifi.io) ARE NOT LENDERS. We do not broker loans, originate loans, or make loans or credit decisions. Nothing on this website is an offer or a solicitation to lend.

Any information you submit to this site will be provided to a lender or lending partner. The operator of this website is not an agent, representative, or broker of any lender or lending partner and does not endorse or charge you for any service or product. We are an advertising referral service for lenders that may be able to offer loans.

There is no fee to use our services. Your loan request submitted on this website will be shared with one or more lenders. There is no guarantee that you will be connected with a lender, that your loan request will be approved by a lender, or that you will be offered the loan amount requested or shown.

The Annual Percentage Rate (APR) is the rate at which your loan accrues interest and is based upon the amount, cost, and term of your loan, repayment amounts, and timing of payments.

Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. We do not control or set the rates that lenders offer.

Representative Example: Borrow $10,000 over 36 months at a fixed annual interest rate of 14.99%. Monthly repayment of $347. Total amount repayable approximately $12,492. Representative APR 14.99% (fixed). This is an example only, your actual loan terms will vary.

The operator of this website does not make any credit decisions and does not perform any credit checks. Lendifi.io itself does not pull your credit.

However, lenders in our network may obtain credit scores or credit reports through the credit reporting agencies or alternative providers to determine your creditworthiness. By submitting your information to us, you agree to allow participating lenders to verify your information and check your credit. Lenders may perform a soft credit pull (which does not affect your score) for pre-qualification, and a hard credit pull (which may temporarily lower your score by a few points) at the time of formal application.

Late payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, and we recommend you review their policies for further information.

Nonpayment of credit could result in collection activities, and your lender may report late payment history to consumer reporting agencies, which could impact future lending decisions by that lender or other lenders.

Every state has its own set of rules and regulations that govern personal loan lenders. Your loan amount, APR, and repayment term will vary based on your creditworthiness, state of residence, and the specific lender or lending partner.

Loan products, terms, and availability may differ in certain states, and some lenders or lender networks may not operate in all states. Lendifi.io makes no representation that loans will be available to all consumers in all states.

You should not assume that any offer you receive using our service is the best available option for you. We do not have agreements with every lender in the United States, and the lenders we work with may not always offer the best rates available in the market.

We strongly recommend that you compare other options and make your own informed decision about the best products or services for your unique situation. Resources for finding additional lenders include your local credit union, your existing bank, and online comparison sites other than Lendifi.io.

If you have questions about this Ad Disclosure, our advertising practices, or how we are compensated, please contact us:

• Email: legal@lendifi.io
• General inquiries: hello@lendifi.io
• Mail: Apex Lead Group LLC, Utah, United States

We will respond to all reasonable inquiries within a reasonable timeframe.