Lending Policy & Disclosures

1. LindenFort is Not a Direct Lender

Please read this section carefully. LindenFort operates exclusively as an online loan connection service and lead generator. We are not a bank, a direct lender, a lending partner, a broker, or a financial institution. We do not make loans or credit decisions, nor do we issue loan approvals or underwrite any financial products.

Our service is entirely free to use and consists of matching your online inquiry with independent third-party lenders within our network who may be able to offer you a loan. Completing an inquiry form on our website does not guarantee that you will be connected with a lender, nor does it guarantee that a lender will offer you a loan or a specific interest rate.

2. How Our Service Works

When you submit your personal and financial information on the LindenFort website, you are submitting an inquiry to be matched with a participating lender. By submitting your inquiry, you agree to allow LindenFort to securely share your information with our network of lenders and lending partners to determine if they can offer you a loan.

If matched, you may be redirected to the lender’s website or presented with an offer directly. At that point, LindenFort is no longer involved in the transaction. Any loan agreement you enter into is strictly between you and the participating lender.

3. Rates, Fees, and Loan Terms

LindenFort does not have control over, nor do we have knowledge of, the specific loan terms, annual percentage rates (APRs), fees, or repayment conditions offered to you. These terms are determined solely by the independent lender making the offer, based on their individual underwriting criteria.

Lenders are legally required to provide you with all Truth in Lending Act (TILA) disclosures detailing your loan's specific rates, fees, and terms before you electronically sign a loan agreement. We strongly advise you to review these documents thoroughly. You are under no obligation to accept a loan offer if the terms do not suit your financial situation.

4. Credit Inquiries and Implications

Submitting your initial request on LindenFort typically involves a "soft" credit pull by our lending partners, which does not impact your credit score. However, once you are connected with a specific lender and decide to proceed with an application on their platform, that lender may perform a full ("hard") credit check with one or more consumer reporting agencies (such as Equifax, Experian, or TransUnion).

Hard credit checks are recorded on your credit file and may negatively impact your credit score. By continuing with a specific lender, you consent to them obtaining your credit report to make a final lending decision.

5. Late Payments and Non-Payment

LindenFort is not involved in debt collection. If you fail to repay your loan, make a late payment, or default on your loan agreement, you may be subject to additional fees, increased interest rates, and collection activities as stipulated in your agreement with the lender. Such actions may also be reported to credit bureaus, which can severely impact your credit history. If you anticipate difficulty making a payment, you should contact your lender directly to discuss alternative arrangements.

6. State Availability

The services provided by LindenFort and our network of lenders are not available in all states. Depending on your state of residence, you may not be eligible for certain loan products. Our lenders reserve the right to verify your residency and may decline your application if they do not operate in your jurisdiction. State availability is subject to change without notice due to varying state laws and regulations.

7. Compensation Disclosure

LindenFort operates as a performance-based marketing platform. We do not charge you any fees to use our website or services. Instead, we receive compensation from the third-party lenders and financial service providers within our network when we successfully connect you with them, or when you complete an application on their website. This compensation may impact how and where products appear on our site, but it does not affect the fees or rates you are offered by the lender.