For Lenders

Our lender network
powers every match

Lendifi.io works with a growing network of licensed lenders across personal loans, mortgages, auto loans, and business financing. Every match is real, every lead is consented, every transmission is encrypted.

50+
Lender
partners
5
Loan
categories
50
States
covered
100%
TCPA
consented leads
How it works

How our lender matching works

When a consumer submits a loan inquiry on Lendifi.io, our matching engine evaluates their profile in real time against the eligibility criteria of every active lender in our network. Criteria checked include loan type, requested amount, self-reported credit score range, income range, employment status, and state of residence.

Matched lenders receive the consumer's full inquiry data via a secure API connection — typically within 2–3 seconds of form submission. Each lender evaluates the inquiry independently and may respond with a loan offer, a request for additional information, or a pass.

Every lead transmitted by Lendifi.io comes with documented TCPA consent. We record the consumer's IP address, browser/device information, exact timestamp, and a verbatim copy of the consent language at the time of submission. These records are retained for a minimum of five years.

Lendifi.io earns revenue when a lender accepts a consumer lead. We do not charge consumers any fee. Lenders pay only for leads they receive — matching is free for lenders until they accept.

Who we work with

Types of lenders in our network

Our network includes a diverse mix of lending institutions, each independently licensed in the states where they operate:

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Online lenders
Tech-forward consumer lenders offering personal, auto, and business loans with fast approval and funding timelines.
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Banks & credit unions
State and federally chartered institutions offering competitive rates across all major loan categories.
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Mortgage lenders
Licensed mortgage brokers and direct lenders offering purchase and refinance products in all 50 states.
🚗
Auto lenders
Specialized vehicle financing providers offering new, used, and refinance auto loans across a wide credit spectrum.
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Business lenders
Alternative and traditional lenders offering working capital, equipment financing, and term loans for small businesses.
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Debt specialists
Lenders who specialize in debt consolidation products, helping borrowers refinance high-interest consumer debt.
Our standards

How we vet lender partners

We do not work with every lender that applies. Lenders in the Lendifi.io network are evaluated against the following criteria before and during their participation:

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Licensing verification
Lenders must hold all licenses required to originate loans in the states where they operate. We verify licensing status through state regulatory databases and NMLS before onboarding.
⚖️
Regulatory compliance
Lenders must operate in compliance with applicable federal and state lending laws, including TILA, RESPA, ECOA, and relevant state consumer lending statutes.
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Clear rate disclosures
Lenders must provide clear, upfront APR and fee disclosures to consumers. We do not work with lenders who engage in rate bait-and-switch or deceptive marketing practices.
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TCPA compliance
Lenders must comply with TCPA requirements when contacting consumers and must honor opt-out requests promptly. We document consent for every lead transmitted.
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Data security
Lenders must maintain reasonable data security practices and enter into a data use agreement covering how consumer information may be used and protected.
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Consumer feedback
We monitor consumer complaints and lender response quality. Lenders with repeated compliance issues or poor consumer experiences may be removed from the network.
For consumers

What this means for you as a borrower

Every lender you encounter through Lendifi.io has been reviewed for licensing, regulatory compliance, and data practices. That said, we encourage all consumers to perform their own due diligence before accepting any loan offer:

  • Verify the lender's license through your state's financial regulatory agency or at nmlsconsumeraccess.org
  • Read the full loan agreement, including all fees, penalties, and terms, before signing
  • Compare APRs across multiple offers — not just monthly payments
  • Be cautious of any lender who pressures you to accept an offer immediately or requests upfront fees
  • Contact us at hello@lendifi.io if you have concerns about a lender who contacted you after using Lendifi.io
Interested in joining our lender network?

If you are a licensed lender interested in receiving consumer loan inquiries through Lendifi.io, reach out to us at hello@lendifi.io with the subject line "Lender Partnership Inquiry." Include your company name, license numbers, states of operation, loan products, and target credit bands. We will respond within 2 business days.

🏦  Apply to join