Lendir money moves at light speed.
Borrow up to $50,000 in 7 minutes or invest and earn up to 12.4% APY. No branches. No paperwork hell. Just smart, transparent lending on lendir.net.
142,000+ funded loans • $890M moved
We rebuilt lending from zero. No banks. No BS.
Lendir.net started in 2017 with one crazy idea: connect real people who need money with real people who want to grow money — without a bank taking 80% of the margin. Today we are a licensed fintech platform with AI underwriting, instant payouts and radical transparency.
Fair rates for all
Our AI looks at 1,200+ data points, not just FICO. 73% of borrowers get a lower rate than their bank offered.
Money without borders
One account for borrowing, investing, cards and business cash-flow. Fully online, 24/7 human support.
- ✓ Licensed lender • Bank-grade encryption • SOC2 audited
- ✓ 142k loans funded, 98.2% on-time payout, 4.9 TrustScore
- ✓ Founders from fintech unicorns, backed by top VCs
To debit card in 15 minLIVE
One app. Borrow, invest, scale.
Everything money should be: fast, clear and in your pocket. No fine print traps.
7-minute approval
Soft pull only. Answer 8 questions, connect bank, get decision. No impact on credit to check.
Rates from 6.9% APR
Personal $1k–$50k, business up to $250k. Fixed rate, no prepayment penalty, autopay discount -0.5%.
Invest from $10
Auto-diversify across 500+ loans. Secondary market, auto-reinvest, monthly income dashboard.
Buyback guarantee
On selected portfolios we cover late loans after 30 days. Provision fund $12M and growing.
Lendir Business
Revenue-based funding, credit line, invoicing and expense cards. Approval on cash-flow, not collateral.
24/7 human support
Real people in chat in 40 seconds average. 12 languages, hardship program, free credit coaching.
Average investor 2024-2025Start →
From broke to funded in 3 steps
Tell us your goal
Debt payoff? New van for business? Wedding? Choose amount and term — 6 to 60 months. Calculator shows exact payment.
Get matched instantly
Our engine scores you and matches with investors or our balance sheet. 9 of 10 get offer same visit.
Cash in 15 minutes
E-sign, verify ID by selfie, money hits account. Manage, pause, pay early — all in app.
Loan calculator
Drag and see real payment. No signup.
$483
Total $17,388 • Save $1,240 vs avg bank
Why 142k chose Lendir?
0-4% one-time fee shown upfront. 41% pay 0% fee.
Checking rate never hurts score. Hard pull only if you accept.
Lost job? Pause 2 payments, no late mark. Free for all.
Honest pricing. Pick your lane.
Fixed APR, clear schedule, early payoff free. Investors earn net of 1% service fee.
Personal 6.9%+
For salary heroes, $1k–$15k
- Decision in 7 min
- Terms 6–36 mo
- Autopay -0.5%
- Free credit coach
Plus 8.9% + cashback
Up to $50k + invest access
- Everything in Starter
- Terms up to 60 mo
- 15-min instant payout
- Invest up to 12.4% APY
- Hardship pause included
Biz from 7.9%
Up to $250k on revenue
- Revenue-based, no collateral
- Line of credit + cards
- Same-day wire
- Dedicated manager
142,000 stories. Zero boring.
“Bank said 19%. Lendir gave 9.2% in 6 minutes. Paid off 3 cards, saved $340/mo. I cried a little.”
Sarah M.Austin • $18k debt payoff
“As investor I auto-diversified $5k across 400 loans. 11.8% last year, monthly payouts like clockwork.”
James K.Investor since 2021
“Needed $60k for food-truck fleet. Lendir Business funded next morning on Stripe history. No house pledge.”
Priya R.Founder, Roll&Co
Questions? Good. We like sharp.
Fresh money intel
Rates analysis, product drops, guides. Click any card to open full story — each has its own page.
How P2P lending beats banks
Why cutting middlemen drops APR by 4-6 points on average.
5 rules of smart borrowing
Never borrow over 35% DTI, always compare APR not monthly.
Need $5k tomorrow? Check rate in 60 sec.
Soft pull only. No spam calls. Real offer on screen.
By continuing you agree to Terms & Privacy. APR 6.9–24.9% based on credit.