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CCPA Privacy Notice

Last updated: 2026-10-03 · Applies to California residents

1. Introduction

This notice supplements our Privacy Policy and applies to visitors who are California residents. It explains the rights the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you over the personal information we collect, and how to exercise them.

2. Summary of your privacy rights

As a California resident, you generally have the right to: know what personal information we collect, use, and share; request deletion of personal information we hold about you; opt out of the sale or sharing of your personal information; correct inaccurate personal information; and not be discriminated against for exercising these rights.

3. Right to know

You may ask us to disclose the categories and specific pieces of personal information we've collected about you, the categories of sources, the purpose for collecting it, and the categories of third parties with whom we've shared it, covering the prior 12 months.

CategoryExamplesShared with
IdentifiersName, address, email, phoneNetwork lenders, service providers
Financial informationIncome, employment, banking detailsNetwork lenders
Internet activityBrowsing behavior, device dataAnalytics and advertising partners
Geolocation dataApproximate location from IP addressAnalytics partners

4. Right to delete

You may request that we delete personal information we've collected from you, subject to certain exceptions (for example, information we need to retain for legal or security purposes). To submit a deletion request, email us at [email protected]. We'll need to verify your identity before completing the request.

5. Right to opt out of sale or sharing

We do not sell your personal information for money. Depending on how they're configured, some of the advertising or analytics tools we use may be considered a "sale" or "sharing" of information under California law. You can opt out by contacting us at [email protected] or by using your browser's privacy controls.

6. Right to non-discrimination

We will not deny you services, charge you a different amount, or provide a different level of service because you exercised any of your CCPA rights.

7. Authorized agents

You may designate an authorized agent to submit a request on your behalf. We may require proof of the agent's authorization and may still need to verify your identity directly.

8. How to contact us

To exercise any of the rights described in this notice, contact:

[email protected]

Lendingdesk

A friendly, free way to see which personal loan lenders might be a fit. We match requests; we don't lend.

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Privacy Policy Do Not Sell or Share My Information TCPA Disclosure Unsubscribe

Nothing on this website is an offer of credit or a solicitation to lend. Lendingdesk is a free loan-matching service: we are not a lender, and we don't act as a broker or as any lender's agent. We don't make credit decisions, fund loans or charge you fees for any loan or product. To use it, you'll need to be at least 18, a U.S. resident with some form of regular income, and the holder of a bank account under your own name.

When you send a request, we share the details in it with lenders and other providers in our network, who each decide whether they may be able to help. Using Lendingdesk carries no obligation at all: you don't have to contact a lender, and you don't have to accept anything you're shown. Sending a request doesn't mean you'll be matched or offered a loan, and not every lender operates in every state.

If an offer comes through, it's from the lender, not from Lendingdesk. The lender decides how much it would lend, what the loan would cost, how long you'd have to repay and when the money would be paid out, and all of that depends on the lender, your circumstances and your state. Before you agree to anything, the lender must give you its written agreement, showing the annual percentage rate and any fees. Take your time with it, and only accept a loan you're comfortable repaying.

To look for a match we use a soft credit inquiry, which doesn't affect your credit score. If you decide to continue with a lender, it may run its own check, possibly a hard inquiry, through Experian, Equifax or TransUnion, or through providers such as Clarity Services. By sending a request, you consent to your details being shared with lenders and partners for this purpose, and to them obtaining consumer reports about you so they can consider it.

The fine print, in plain terms: our cover the rules for using this site, our describes the standards we expect network lenders to meet, our explain who sets a loan's cost and when you'll see it, and our spells out the credit checks you're permitting. Our Privacy Policy covers how we handle your information, Do Not Sell or Share My Information sets out the choices open to California residents, and the TCPA Disclosure explains how we call and text. And if you'd like us to stop getting in touch, the Unsubscribe page takes care of that.

© 2026 Lendingdesk. All rights reserved.

Terms & Conditions

Last updated: 2026-10-03

The short version: Lendingdesk is a free matching service, not a lender. These terms also ask you to settle any dispute with us through individual arbitration and to give up class actions and jury trials, so please read sections 21 and 22 before you carry on.

1. About these terms

This page sets out the deal between you and Lendingdesk (called "we", "us" and "our" below) for using this website. Visiting the site or sending us a request means you accept these terms, and if you'd rather not, please leave without using it. From time to time we may revise this wording, and when we do we'll post the new version here with a fresh "last updated" date. A revision takes effect from that date and won't be applied to a request you sent earlier, so a quick look now and then is a good habit.

2. What Lendingdesk actually does

Lendingdesk is a matching service that costs you nothing to use. You fill in a single personal loan request, and we send it on to lenders and other providers in our network, each of whom decides independently whether to consider it. Sending a request doesn't promise a match, a phone call or an offer, and we can't tell you in advance how it will turn out. Not every lender works in every state, and none of them is required to respond to you.

3. Who can use the service

You can use Lendingdesk if you're 18 or older (or older still, where your state sets a higher age of majority), you live in the U.S., and you're legally able to sign a contract. Lenders in our network usually want to see a steady income and a bank account held in your name, so you'll need both as well. Every request has to be your own, so please don't fill one in for anybody else.

4. What we're not

We don't lend money, and we don't decide who gets credit. We're also not a loan broker, and we don't act as an agent or representative for you or for any lender. Please don't treat anything you read here as financial, legal or tax advice either. If a lender offers you a loan, the arrangement is strictly between the two of you and follows that lender's terms, so go through its agreement carefully and put any questions to the lender before you sign.

A few lenders in our network may be owned by a Native American tribe and governed by tribal law rather than state law. With a lender like that, the agreement, the governing law and the route for resolving a dispute may differ from what a state-licensed lender would offer, and certain state protections might not reach you. The lender has to spell all of that out in its own agreement, so read it fully before choosing.

5. How we earn our keep

You'll never be charged by us. Instead, lenders and providers in our network pay us, sometimes when we send them a request and sometimes when a request turns into a loan. Those payments can affect which lender receives your request first and how offers are arranged when you see them. We don't survey the whole market, and a lender's place in our network is not an endorsement of it.

6. Permission to check your details

Sending a request gives us, along with the lenders and providers in our network, your permission to verify what you've told us and to get information about you from consumer reporting agencies and other data sources, for example to confirm your identity, income and bank account. The check we run to find a match is a soft inquiry, which leaves your credit score untouched. If you decide to continue with a lender, it may run a check of its own, and that one could be a hard inquiry. You'll find the full detail in our Credit Authorization.

7. Where your details go

When you submit a request, you're asking us to pass what's in it to lenders, other providers and the companies that help us operate, so that they can review it and get in touch with you about it. Those companies may hold on to your information and use it under their own privacy policies, whether or not you accept an offer. For what we collect, who receives it and the choices open to you, see our Privacy Policy.

8. Other things we might suggest

If no lender picks up your request, we or our partners might point you to something else that could be useful, like credit-monitoring tools or plain-English money guides. There's no requirement to look at or sign up for any of it, and anything you do choose is covered by the terms of whoever provides it.

9. Paperwork by email and online

You agree that we may send notices, disclosures and other communications to you electronically, by email or by publishing them on this site, and that doing so satisfies any legal need for them to be in writing. Checking a box or clicking a button here counts as your electronic signature. To receive these communications you'll need an internet-connected device, an up-to-date browser and an email address you can get into. You may take back this consent whenever you like by sending us an email, though we might not be able to carry on with your request afterwards. If you'd like a paper copy of any notice, just email and ask.

10. Phone calls, texts and emails

If you send a request and agree to be contacted, we, the lenders in our network and our partners may reach you about that request and related products by phone, text and email at the number and address you supplied. Those calls and texts may use automated dialing technology as well as prerecorded or artificial voice messages. Agreeing to this is never a condition of buying anything. Message and data rates may apply. To stop texts, reply STOP, or visit our Unsubscribe page whenever you like; our TCPA Disclosure covers the details.

11. Your privacy

Our Privacy Policy, which is part of these terms, explains how we gather, use, share and safeguard your personal information. If you live in California, your rights are described on our Do Not Sell or Share My Information page.

12. What you're confirming

By using the site, you tell us that:

  • the details you give are accurate, complete and about you, and you'll update us if anything changes while your request is still open;
  • you meet every requirement in section 3;
  • the phone number and email address you enter belong to you, or you have permission to use them;
  • you won't use the site to break the law or deceive anyone, and you won't interfere with it, overload it or try to break into it; and
  • you won't scrape or harvest the site's content with bots or other automated tools.

13. Who owns what's on this site

Everything on this site, including the text, images, layout and design, belongs to us or to people who've licensed it to us, and copyright, trademark and similar laws protect it. You may look at pages and print them for your own personal reference. Any other copying, editing, republishing, selling or reuse needs our written permission first.

14. No promises about the site itself

We try to keep the site accurate and running, but it comes to you "as is" and "as available". As far as the law permits, we give no warranties of any kind, express or implied, including that the site will suit your purposes, stay online, be secure or be free of errors, or that a lender will reply to your request or make you an offer. We also make no promise about the terms, quality or suitability of any loan, product or service a lender or provider puts in front of you.

15. How far our liability goes

As far as the law permits, we aren't liable for indirect, incidental, special, consequential or punitive losses or damages connected with your use of the site, your request, or anything between you and a lender or provider, even if someone warned us such losses could happen. For any claim about the site or the service, the most we can owe you is what you paid us for the service, which is nothing. A few states don't permit some of these limits, so parts of this section may not apply where you live.

16. If your actions cause us a loss

You agree to compensate us, along with our owners, employees and partners, for any claims, losses, costs and reasonable attorneys' fees that arise because you broke these terms, gave us false information or used the site unlawfully.

17. Glitches, errors and delays

Some problems are beyond our reasonable control, such as internet or power outages, a lender's or partner's systems going down, or a typo in the details you entered, and we aren't responsible for delays or failures they cause. When we find an error on the site we'll fix it, and we may alter, suspend or withdraw any part of the site whenever we need to, without advance notice.

18. Other people's websites

Links on this site, and the offers that may appear once you've sent a request, can lead to websites operated by lenders and other businesses. Those sites are outside our control, and we're not responsible for what they say, the terms they set or how they treat your information. Whether you visit them is your call, and their own terms and privacy policies govern your visit.

19. Tell us first

If you're thinking of bringing an arbitration or other claim against us, you agree to email us first at [email protected] with your name, your contact details, a description of the problem and the outcome you're looking for. We'll look at it honestly and do our best to put things right with you. If 60 days pass after we receive your notice and it still isn't settled, either side may begin arbitration under section 21.

20. Leaving us out of disputes with lenders

Loans and other products come from lenders and providers, not from us. So, as far as the law permits, you release us from any claims, demands and damages that grow out of a disagreement between you and a lender or other provider. California residents also waive California Civil Code section 1542, which reads: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

21. Arbitration instead of court

This section matters, so please read it closely: under it, you and we both give up the right to have a judge or jury decide a dispute.

Any dispute, claim or controversy between you and us that arises out of or relates to these terms, the site or the service, including any question about whether this section applies or is enforceable, will be resolved through binding arbitration, one claimant at a time, instead of in court. The case goes before one arbitrator, with the American Arbitration Association (AAA) running it under the AAA Consumer Arbitration Rules, which are published at adr.org. This section is governed by the Federal Arbitration Act. Hearings will be held in California, or by phone or video if you prefer. Apart from what you'd have paid to file a claim in court, we'll cover the AAA's filing, administration and arbitrator fees, unless the arbitrator decides your claim was made in bad faith. The arbitrator may grant you any individual remedy a court could, and any court with jurisdiction may enter judgment on the award.

Either side may bring an individual claim in small claims court instead, provided it remains there. To opt out of this arbitration agreement, email us within 30 days of the first time you use the site, giving your name and saying plainly that you're opting out. Doing so leaves the rest of these terms unchanged.

22. No class action lawsuits, and no jury

Claims between you and us can only be brought individually, and not as a plaintiff or class member in any class, collective, joint or representative action. The arbitrator has no power to merge different people's claims or to oversee any class or representative proceeding. Should a court decide this section can't be enforced for a particular claim, that claim goes to court rather than arbitration, and sections 21 and 22 continue to govern every other claim. You and we each also give up any right to trial by jury.

23. Copyright complaints

We take intellectual property seriously. If you think material on this site infringes a copyright you own, email [email protected] and include what the Digital Millennium Copyright Act requires: a description of the copyrighted work and of the material you say infringes it, where on the site that material appears, how to contact you, a statement that you believe in good faith the use isn't authorized, a statement made under penalty of perjury that your notice is accurate and that you own the copyright or are authorized to act for the owner, and your physical or electronic signature.

24. For California users

California Civil Code section 1789.3 entitles users in California to the information below. There is no charge to you for using Lendingdesk. Questions or complaints about the service can be sent to us at [email protected]. You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

25. Governing law and the fine print

The laws of the State of California govern these terms, setting aside its conflict-of-law principles, while the Federal Arbitration Act governs section 21. Anything that doesn't go to arbitration will be decided in a state or federal court in California, and you and we both accept those courts' jurisdiction. If a court finds part of these terms unenforceable, the remaining parts still apply. Our failing to enforce a term right away doesn't mean we've given up the right to enforce it later. You can't assign your rights under these terms to anyone else, but we may assign ours. The headings are only there to make the terms easier to follow and have no effect on what they mean.

26. The full agreement

These terms, along with our Privacy Policy, our TCPA Disclosure and any other document they point to, make up everything you and we have agreed about the site and the service, and they supersede anything agreed before. A loan agreement you sign with a lender is a separate contract and isn't part of these terms.

27. Questions

Questions about these terms are always welcome. Just email [email protected].

Responsible Lending Policy

Last updated: 2026-10-03

Why we have this policy

We're a matching service, so pricing a loan or deciding who is offered credit isn't our call. What we do control is which lenders we work with. This page explains the standards we hold them to, plus a few things worth knowing before you borrow.

The standards we ask of lenders

Every lender in our network is expected to:

  • be properly licensed or authorized wherever it lends;
  • comply with federal and state lending laws, among them the Truth in Lending Act and the Equal Credit Opportunity Act;
  • think about whether you can realistically afford a loan before offering one;
  • give you the total cost, the annual percentage rate and the payment schedule in writing, in plain terms, before you commit; and
  • deal with every applicant fairly, with no pressure and no discrimination.

What decides the cost

Lenders price their own loans. The cost typically depends on how much you borrow and for how long, where you live, the lender's policies and your own situation, such as your income and credit history. That's why we can't quote you a cost ourselves, but the lender will show it to you in its agreement before you sign anything. Weigh the total against what your budget can handle, not just the size of each installment.

Late or missed payments

A late or missed payment can bring extra charges under your loan agreement. It may also be reported to the credit bureaus, which can pull your score down, and a loan left unpaid may be handed to a collection agency. Your own bank may add a fee of its own if a payment bounces and is then presented again. If a due date is going to be a struggle, contact your lender beforehand, because reaching out early often opens up more options.

How debts should be collected

Lenders, and any collectors working for them, are expected to follow the Fair Debt Collection Practices Act and state collection rules. In practice that means contacting you at sensible hours, being truthful about what you owe, and never harassing, threatening or misleading you. If you're unhappy with how a collection is being handled, you can raise it with the lender, your state attorney general or the Consumer Financial Protection Bureau.

Your state's rules

Each state regulates personal loans in its own way, so the rules about cost, loan length, renewals and cancellation depend on where you live. A lender without a license for your state can't make you an offer, and the same lender's loan may look different from one state to the next.

Borrowing with care

Only borrow what you actually need, and only on terms you can comfortably keep up with. Read the lender's agreement from start to finish. Turning down an offer is always an option, since you're under no obligation to accept one. For free, impartial help with money questions, consider a nonprofit credit counseling agency.

Questions

For questions about this policy, email [email protected]. If your question is about a specific loan, the lender who offered it is best placed to answer.

Costs & Terms

Last updated: 2026-10-03

Using Lendingdesk is free

There's no charge from us to use Lendingdesk, whether that's sending a request, being matched or accepting an offer. The lenders and providers in our network pay us when we pass requests to them, and that's what keeps the service free for you.

Who decides the terms

Because we aren't a lender, loan sizes, interest, fees, repayment schedules and payout timing are not ours to decide. Each lender that makes an offer sets them, and they differ between lenders, between states and depending on your circumstances. We have no way of knowing beforehand what you'll be offered, or whether anything will be offered at all.

What the lender must show you

Before you commit, the lender has to hand you its own written agreement showing how much you'd borrow, the total cost, the annual percentage rate, the repayment schedule, any fees that might apply and what happens if you pay late. That agreement is what governs your loan; this website doesn't. If an offer leaves any of that out, ask the lender for it before going further.

No strings attached

A match never obligates you to accept. Compare offers, take whatever time you need, or step away at any point before you sign a lender's agreement, and none of it costs you anything.

Who to ask

Questions about a particular offer should go to the lender that made it. If it's about this website or the matching process itself, drop us a line at [email protected].

Credit Authorization

Last updated: 2026-10-03

What you're authorizing

Sending a request authorizes Lendingdesk, and the lenders and providers in our network, to check the information you've given us and to get information about you from consumer reporting agencies. Consider this your written instruction under the Fair Credit Reporting Act. It's what lets us search for a match, and what lets a lender work out whether it may be able to offer you anything.

Soft and hard inquiries

Our search for a match uses a soft inquiry. Only you can see a soft inquiry, and it doesn't change your credit score. Should you decide to go ahead with a lender, it may carry out its own check, and that may be a hard inquiry. Other lenders can see hard inquiries and they can affect your score, so the lender ought to let you know before it runs one.

Which agencies may be used

Checks may be run through the three nationwide consumer reporting agencies, Experian, Equifax and TransUnion, or through specialty providers like Clarity Services. They may also be used to verify your identity, your income and your bank account.

How the information is used

Information from these checks is used only to confirm your identity, guard against fraud, find lenders who may be able to help and let a lender consider the request you've sent it. No other decision about you is based on it.

Your credit report rights

You can get a free copy of your report from each nationwide agency at AnnualCreditReport.com, and you can dispute anything in it you believe is inaccurate. If a lender declines your request because of something in a credit report, it has to tell you which agency provided that report.

Withdrawing your authorization

You can withdraw this authorization for future checks at any point by emailing [email protected]. Checks already made can't be undone, and withdrawing may stop us from continuing to look for a match. If you gave authorization directly to a lender, contact that lender to withdraw it.