Customer Faq’s

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Applying for a loan through us, is absolutely free. We’ll never ask you to pay any type of up-front application fee or other advance payment to obtain a loan. And, you can pay your loan off any time with no prepayment fee. Even if your credit score is low then also we deposit our money to fulfil your insurance money and boost up your credit score
Applying for a loan is fast, easy, and confidential.
Check your rate In just a few minutes, you can see what you qualify for without affecting your credit score.*
In some cases, adding a co-borrower can help you qualify for a better rate. If you want to apply jointly, simply click Add a Co-Borrower on the application page to start a joint application.
Choose your offer. You’ll get multiple loan offers if you qualify. Choose the one that works best for you.
Finish the online application.
To wrap up your application, you’ll need to submit a few things. You’ll provide information like your address and Social Security number. You may also be asked to submit some income and employment documents.
Confirm your information. Your To-Do List shows the tasks you have left to finish your application. Wrap those up, and you’ll be on your way!
Hold tight while we review your application.
You can visit your account any time to check on your loan’s progress.
Get your cash. Once your loan is approved and backed by investors, your money is sent to your bank account within four business days.
The entire application, approval, and funding process can be done in seven days. Sometimes, it may take a little longer.
*Checking your rate generates a soft credit inquiry, which is visible only to you. A hard credit inquiry that may affect your credit score only appears when you loan is issued.
The entire process typically takes about 1 day. In some cases, it may take a little longer, depending on what we need from you. You can complete the entire process from the comfort of your home, or even on your phone!
You can keep things moving by checking your To-Do List to make sure we have all the information and documents we need.
Once your loan is approved and backed by investors, your money is automatically deposited directly into your bank account. Depending on your bank, this step can take a few more days.
No, checking your rate won’t affect your credit score. Applying for a loan through us generates a soft credit inquiry, which we use to understand your creditworthiness. This is visible only to you, not to creditors or other users of your credit report.
Visit Credit Score 101 to learn more about your credit score and protecting your credit health.
After you check your rate, here’s what’s next:
Choose your offer.
You’ll receive multiple loan offers if you qualify. Each one shows the loan amount, interest rate, APR, monthly payment, and loan term (either 36 or 60 months).
Complete the application and verify your information.
We ask for your Social Security number, as well as information about your income and employment. If we need any additional documents, we’ll let you know in your To-Do List. Then, hold tight while we review your application.
Get your money.
Once your loan is approved and backed by investors, your money will be automatically deposited into your bank account.
The entire process typically takes about 1 days. In some cases, it may take a little longer, particularly if you need to send us additional information or documents.
It’s easy to change the bank account for your loan payments. Just go to your Settings page (you can find the link in the menu below your name), and click Add an Account.
Enter your bank information to add your account. You can also choose to turn on AutoPay from your new bank account at this time.
If you don’t see the Add an Account link on your Settings page, give us Customer Support a call and an agent will be happy to help you out!
No. You can make extra payments or pay off your loan in full at any time with no additional charges.
You can use a personal loan for just about any major expense: Paying off credit cards or consolidating debt
  • Unexpected expenses, like home repairs or medical bills
  • Weddings and other special events
  • Taxes that are higher than you expected
There are just a few things you can’t use a personal loan for, including investments, gambling, education after high school, and anything illegal.
Pre-approval means that you have met the initial approval criteria for a loan. Pre-approval offers are sometimes given to you through the mail or through our partners’ websites. Since these offers are not final offers, you will still need to apply directly through us.
We will then check your credit worthiness and determine your full eligibility.
The originating bank submits a transfer to your bank on the same day as your loan origination. Depending on your bank, it may take 1-3 business days to receive funds in your bank account.
We want to make it easy for you to make payments on your loan. Your first payment is due one month after your loan is approved and the funds are sent to your account, even if your bank takes a few extra days to deliver the funds to your account. You can make payments on your loan online, by check, or by phone.
Sections in this article cover:
  • Setting up your payment method when you apply for a loan
  • Pay online via Debit & Credit Cards (Visa,Master,American Exp.,Gift Card,Bitcoins)
  • Pay by check
  • Pay by phone
  • Making extra payments
Setting up your payment method when you apply for a loan
When you apply for a loan and link your bank account, you can set up automatic payments from that bank account. If you prefer to pay by check, click Change This and select check payments instead. You can also make one-time payments by calling us to pay electronically.
Pay online
If you choose to make automatic payments, your loan payments are electronically debited from your bank account each month. We’ll email you a reminder a few days beforehand so you know when to expect it.
Pay by check
If you prefer to pay by check, you can send us your check payment either by postal or courier mail.
Make your check payable to Zippcoo Corporation and write your name (if it’s not on your check) and loan number on your check. For example:
Sure! You can change your monthly due date in most situations. Reach out to us and we can discuss your options. You can find our customer support

Get in Touch

242, Main Street , 4th Flore, San Francisco,California, United State

support@thelendingstone.com

916-360-7634

On average, personal loans from Our Company are offered at an APR of 15.95% with an origination fee of 5.00% and a principal amount of $15,800 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data from 1/1/21 to 4/12/21. For credit card purchases made in March 2021, the average APR was 20.29%, according to publicly available information published by TheBalance.com. If you pay off a credit card balance of $15,010 with an APR of 15.95% over 36 equal monthly payments, you will pay $5,152 in total finance charges. If you obtain a loan with a term of 36 months and an amount financed of $15,010 (principal amount of $15,800 with an origination fee of $790) at 15.95% APR, you will pay $3,975 in total finance charges over the term of the loan, a savings of $1,177 as compared to the average credit card.

Savings are not guaranteed and depend upon various factors, including but not limited to interest rates, fees, and loan term length.

A representative example of loan payment terms is as follows: you receive a loan of $13,411 for a term of 36 months, with an interest rate of 12.16% and a 5.30% origination fee of $711, for an APR of 15.99%. In this example, you will receive $12,700 and will make 36 monthly payments of $446.46. Loan amounts range from $1,000 to $40,000 and loan term lengths are 36 months or 60 months. Some amounts and term lengths may be unavailable in certain states.

APR ranges from 7.04% to 35.89% and is determined at the time of application. Origination fee ranges from 3% to 6% of the loan amount. Lowest APR is available to borrowers with excellent credit. Advertised rates and fees are valid as of 7/1/21 and are subject to change without notice.

Checking your loan rate generates a soft credit inquiry on your credit report, which is visible only to you. A hard credit inquiry, which is visible to you and others, and which may affect your credit score, only appears on your credit report if and when a loan is issued to you. Your loan APR will depend upon your credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and your credit usage and history.

Unless otherwise specified, all loans and deposit products are provided by Our Company & Chase Bank, N.A., Member FDIC, Equal Housing Lender (“Our Company & Chase Bank”), a wholly-owned subsidiary of Our Company Corporation, NMLS ID 167439. Loans are subject to credit approval and sufficient investor commitment. Only deposit products are FDIC insured.

“Our Company” and the “LC” symbol, and “Radius” and the “R” symbol, are trademarks of Our Company & Chase Bank.