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What is an installment loan?

An installment loan is a loan that is repaid over time with a set number of scheduled payments; normally at least two payments are made towards the loan. The loan term may be as little as a few months and as long as 30 years.

What is a personal loan?

A loan that is granted for personal use; usually unsecured and based on the borrower's integrity and ability to pay.

How does Lending Kernel work? is not a lender and does not make credit decisions. is a loan connecting service. We connect consumers who are looking for financial assistance to independent, third-party lenders who may be able to provide a loan.

You begin by filling out the simple form. Your information is then shared with a long list of lenders who may make you a loan offer. You are under no obligation to accept the offer, but if you do, the lender will provide the instructions and information to do so. Every third-party lender has their own terms and conditions. Please read this information carefully before accepting the loan offer. In particular, check for information on the APR, fees, renewal terms and consequences of non-payment.

If you have any questions about your loan, please contact your lender.

Does charge a fee to connect consumers with independent, third-party lenders?

Registering with is free to you, the consumer. We are paid by independent, third-party lenders, by referring potential customers.

Each third-party lender will have its own fees, APR, and terms. These charges come directly from the lender and not from

These fees and charges will be provided to you at the time of the loan offer, if one is made. You are under no obligation to accept them. Your loan is accepted by you when you electronically "sign" the offer and send back to the lender.

Please read all documents carefully for the all the terms and conditions of the loan.

How much can I borrow?

Payday loans are usually between $100 and $1,000. Installment loans range between $100 and $5,000 and Personal loans are usually between $500 and $35,000. Once you make a request for a loan amount and are approved; you may receive a loan offer that may not match the amount you requested. Loan offers may vary for several reasons, including the individual lender, income, and other factors.

If approved for a loan by an independent third-party lender, how quickly could I receive it?

The transfer to your bank account could happen as soon as the next business day. Times will vary depending upon your lender and your financial institution. If you have additional questions regarding the transfer time, please contact your third-party lender directly.

What are the minimum requirements ?

Individual, third-party lenders have different minimum requirements, but the following constitute typical minimum requirements:

Be 18 years of age or older
Have a checking or savings account
Have regular income
Have a fair credit rating (personal loans only)

What information must I share to register with

You will be asked to provide banking, employment, and some personal information. This information includes, but is not limited to: your name, address, telephone number, place of employment and/or source of regular income, driver's license number, bank account information, and social security number. These are standard requirements from most lenders.

The third-party lenders may perform a credit check or use other methods to verify the information you provide.

Is the information I provide secure?

All sensitive data transmitted between your browser and uses 128-bit Secure Socket Layer (SSL) encryption technology. Your use of our services is strictly voluntary and is governed by our Terms & Conditions of Use and Privacy Policy.

How long will my loan transaction take?

From the time you register with (and are made an offer by an independent, third-party lender) the process can be as fast as one business day. A number of factors can impact the timelines, including the time of day you apply, the accuracy of your registration, the lender, and your financial institution.

When must I repay my loan? is not a lender. Each independent, third-party lender has their own terms and conditions, including those concerning repayment. You should contact your lender for information about the date and time for repayment as specified in your loan agreement. Please take the time to read the information carefully so you fully understand the terms of the contract.

Will independent, third-party lenders perform a credit check and what are the credit implications?

Yes, most of them will. They may verify the accuracy of the information you have provided and/or to review your information to see how it compares to the records of national databases. Lenders may verify your social security number, driver's license, banking information, or any other information you provided.

Keep in mind that multiple inquiries to the "Big 3" credit bureaus (Experian, Equifax, and Transunion) may result in a lowering of your credit score. It might be wise to register for a loan, one at a time.

Will my loan be automatically renewed?

It really depends upon the state you live in and the lender. Each lender has its own renewal policies, as well as each state having their own laws regarding automatic renewal of payday loans. Be sure to ask your lender if your loan will automatically renew or if they have to receive your permission first.

Loan renewal will likely result in the addition of fees and interest to your loan balance. Please make yourself aware of these fees before agreeing to the renewal.

What are the implications of late payments and non-payment?

The answer to this question varies by lender, so check with your lender before agreeing to the loan offer. Many consumers get in trouble by not being aware of the penalties of late or non-payments. Be fully aware of the consequences of not paying the loan in full on the date it is due. Ask all the questions you need to, so you fully understand what happens if you don't pay back in time.

Is my loan approval guaranteed?

There is no guarantee that you will be approved by one of our participating lenders. Many factors go into the decision and it varies lender to lender.

What if I can't pay my loan according to its terms?

Typical penalties for lack of repayment may include:

Addition of late fees Your account being forwarded to a collection agency, Reporting your lack of payment to a consumer credit agency (thereby lowering your credit score), An offer to renew your loan, which will result in additional fees and/or interest. is not a lender. Please contact the actual lender to find out the exact implications of non-payment.

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