Terms of Service

1. Acceptance of Terms

By accessing and using HonestLend's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Loan Terms and Conditions

Interest Rate

HonestLend offers payday loans with a fixed Annual Percentage Rate (APR) of 14%. This rate is transparent and disclosed upfront with no hidden fees.

Loan Amounts

Loan amounts range from $500 to $5,000, subject to state regulations and your ability to repay.

Repayment Terms

Repayment terms range from 14 days to 6 months, depending on the loan amount and your preference. All terms are clearly disclosed before you accept the loan.

3. Eligibility Requirements

To be eligible for a loan, you must:

• Be at least 18 years old
• Be a U.S. citizen or permanent resident
• Have a valid bank account
• Have a steady source of income
• Provide accurate and complete information

4. Application Process

Our application process is designed to be simple and transparent. We do not perform traditional credit checks, focusing instead on your current income and ability to repay.

5. Privacy and Data Protection

We are committed to protecting your privacy and personal information. All data is encrypted and stored securely. We do not sell or share your personal information with third parties without your consent.

6. Responsible Lending

HonestLend is committed to responsible lending practices. We encourage borrowers to only borrow what they can afford to repay and to consider all alternatives before taking a loan.

7. Late Payment Policy

If you are unable to make your payment on time, please contact us immediately. We work with borrowers to find reasonable solutions. Late fees may apply as disclosed in your loan agreement.

8. Modification of Terms

HonestLend reserves the right to modify these terms at any time. Changes will be posted on this page with an updated revision date. Continued use of our services constitutes acceptance of modified terms.

9. Governing Law

These terms are governed by the laws of the state in which the loan is made, and any disputes will be resolved in accordance with those laws.

10. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: support@honestlend.com
• Phone: 1-800-HONEST-LEND
• Address: 123 Financial Street, Suite 100, New York, NY 10001