Together Loans vs Lendee App

New to Together Loans? We're building a new type of loan company. One based on trust. We offer personal loans, but these loans are a little different. Most lenders look at your credit history to decide whether you can borrow from them, based on how you've previously handled your money. We don't do that - our loans are based on trust*. If you're trustworthy and can afford the monthly payments but have been turned down for other loans, Together Loans could be for you. We offer a fair, simple and transparent loan based on trust - not just your financial history. With the Together Loans app you can: - Apply for a loan right here in the app - View you loan like never before - Quickly access your statement - Make payments simply and securely - Get help with your loan in real time - Top Up and Borrow More To learn more about Together Loans and how we offer a fresh approach on lending visit our website at togetherloans.com. Representative Example: Borrowing $3,000.00 over 24 months, repaying $177.13 per month, total repayable $4,251.12. Interest Rate 35.99% APR. Minimum term 24 months. Maximum term 60 months. Maximum APR 35.99%. There are no added fees. All Loans are subject to credit and underwriting approval. The full range of available loan amounts and rates varies by State. *All loans are subject to identity verification and underwriting approval. Borrowers cannot be actively bankrupt, and must provide a cosigner that meets our credit criteria. Your credit history may be considered if you share finances with the cosigner. Personal loans through the Together Loans branded Loan Program are subject to approval and are issued by one of the following lending partners: Medallion Bank, Member FDIC; Transform Credit Inc. (NMLS ID: 1905055); or TL Financial Services LLC (NMLS ID: 2766355). Transform Credit Inc. (NMLS ID: 1905055) and TL Financial Services LLC (NMLS ID: 2766355) conduct business as the Together Loans brand. See our licenses and DBAs for more details (https://togetherloans.com/licenses). Together Loans is a financial technology company, not a bank.

Lendee lets you buy receivables: the remaining payments on payment plans that businesses have offered their customers. You buy those payments at a discount and collect them as the customer pays. How It Works 1. Explore: Browse available contracts and filter by number of payments remaining, amount, term, and Lendee Score. 2. Evaluate: Review the business profile, the customer, and the payment history before you buy. 3. Purchase: Buy a whole contract or just part of its payments. The contract is assigned to you and tracked in the app. 4. Receive: As the customer pays, your share is credited to your Lendee Wallet on the contract's schedule. 5. Redeploy: Transfer funds to your bank account or use them to buy another receivable. Why Businesses Sell Their Payment Plans Dental, veterinary, optometry, physical therapy, and auto repair practices often let customers pay over time. Instead of waiting months to collect, they sell the remaining payments at a discount to get cash sooner. What You See on Every Contract • Contract details: payment amount, due dates, remaining term, and how much has already been paid • Business profile: verified by Lendee • Customer profile: payment history and Lendee Score Servicing Is Handled for You A servicer manages each contract for its full term: billing, payment reminders, payment tracking, follow-up on late payments, and recovery. Your Lendee Wallet See what you have received, what is still to come, and your upcoming payments in one place. Payments arrive on the contract's schedule, not as a lump sum. Important to Know Receivables are not bank deposits or savings products. They are not insured or guaranteed. Customers can pay late or stop paying, and you could get back less than you paid. A good payment history does not guarantee future payments. Review each contract carefully before you buy.