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Terms of Use

Effective Date: November 12, 2025

1) Loan Terms: APR, Repayment & Fees

1.1 APR Range

The Annual Percentage Rate ("APR") represents the yearly cost of borrowing and may include interest and certain permitted fees.

Financial products that may be available through the Cash Advance by LP Finance platform can carry APRs of up to 35%, subject to applicable state law.

The APR offered to you is determined by a number of factors, including but not limited to:

  • Your credit profile and credit history
  • The amount requested
  • The repayment term
  • Applicable federal and state laws
  • The underwriting criteria of the third-party lender

You will always be shown the final APR and key cost details before accepting any offer. Cash Advance by LP Finance requires participating lenders to provide disclosures in compliance with applicable consumer-protection laws.

1.2 Repayment Periods

Repayment terms vary by lender and product. Typical repayment periods generally range from approximately 3 months up to 24 months, though shorter or longer terms may be available where permitted by law.

Before entering into any agreement, you will receive a repayment schedule clearly outlining:

  • The total number of payments
  • The amount of each payment
  • The due dates for each payment

1.3 Payment Frequency & Methods

Payments are typically made in scheduled installments on predetermined dates. Depending on the lender and product, payment frequency may be:

  • Weekly
  • Bi-weekly
  • Semi-monthly
  • Monthly

Most repayments are made via electronic funds transfer (ACH debit) from a verified bank account. Available payment methods will be disclosed in your agreement with the lender.

You are responsible for ensuring sufficient funds are available to avoid late fees, returned payments, or other charges permitted by law.

1.4 Fees & Other Charges

Any fees associated with a financial product — including, where applicable:

  • Origination fees
  • Late payment fees
  • NSF or returned payment fees
  • Expedited funding or processing fees

will be clearly disclosed before you accept an offer. There are no hidden fees. You will always have the opportunity to review the total cost of credit prior to agreeing to any loan or cash-advance product.

1.5 Early Repayment

Many lenders allow early repayment without a prepayment penalty, which may reduce the total interest paid. Early payoff policies vary by lender and state, and you should review your specific agreement to confirm applicable terms.

1.6 Example Cost Disclosures

Before finalizing any loan or similar product, you will receive a standardized cost disclosure summarizing:

  • APR
  • Finance charges
  • Total amount of payments
  • Number of payments and payment schedule

This disclosure reflects the legally binding cost structure of the product you select.

2) Agreement to These Terms

These Terms of Use ("Terms") form a binding agreement between you ("you" or "User") and Lean Personal Finance LLC ("Company," "we," "us," or "our") and govern your access to and use of the Cash Advance by LP Finance website, mobile application, and related services (collectively, the "App").

By accessing or using the App, you confirm that:

  • You are at least 18 years old (or the age of majority in your state)
  • You are a lawful resident of the United States
  • You are legally able to enter into binding agreements

If you do not agree to these Terms, you must not use the App.

3) Purpose of the App & Service Overview

Cash Advance by LP Finance provides a technology platform that allows users to explore, compare, and connect with potential financial offers offered by third-party lenders and service providers.

Through the App, you may:

  • Submit a request containing personal, employment, and banking information
  • Be matched with participating financial institutions that may present potential offers

Any loan agreement, funding, or repayment arrangement is entered into directly between you and the lender.

Cash Advance by LP Finance:

  • Provides the platform and matching technology
  • Facilitates secure data transmission
  • Offers support related to the App itself

Cash Advance by LP Finance does not control or guarantee lender decisions, rates, terms, approvals, or servicing.

4) Eligibility & User Responsibilities

To use the App, you must:

  • Be at least 18 years old
  • Have a valid Social Security number or lawful identification
  • Maintain an active checking account in your name
  • Have a verifiable source of income
  • Provide accurate and complete information

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

5) Electronic Communications & Consent

By using the App, you consent to receive electronic communications, including emails, text messages, in-app notifications, and electronic disclosures.

Electronic records and signatures have the same legal effect as paper documents. Withdrawal of consent may limit your ability to use certain App features.

6) Account Creation & Access

Some features require account registration. You agree not to:

  • Share credentials
  • Use another person's identity
  • Misrepresent information

We may suspend or terminate access if fraud, misuse, or violations are suspected.

7) Data Accuracy & Authorization

You authorize the Company to collect, verify, and transmit your information to participating financial partners and service providers.

Providing false or misleading information may result in denial of service or account termination.

8) Fees & Compensation

Cash Advance by LP Finance does not charge users a fee to access the platform.

The Company may receive compensation from third-party partners when users are connected to or obtain products through the App. Such compensation does not affect the terms offered to you.

9) Prohibited Activities

You may not misuse the App, attempt unauthorized access, deploy harmful code, scrape data, reverse engineer the platform, or violate applicable laws.

10) Service Changes & Availability

We may modify, suspend, or discontinue features at any time without notice. Availability is not guaranteed.

11) Intellectual Property

All App content and technology are owned by or licensed to Lean Personal Finance LLC and protected by intellectual-property laws.

12) Disclaimers

The App is provided on an "as is" and "as available" basis, without warranties of any kind.

13) Limitation of Liability

To the fullest extent permitted by law, total liability shall not exceed USD $100.

14) Indemnification

You agree to indemnify and hold harmless the Company from claims arising out of your use of the App or violation of these Terms.

15) Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware. Disputes shall be resolved through individual binding arbitration, with no class actions permitted, except where prohibited by law.

16) Termination

We may suspend or terminate access at any time. Provisions that should survive termination will remain in effect.

17) Changes to These Terms

We may update these Terms by posting a revised version with an updated effective date. Continued use constitutes acceptance.

18) Contact Information

Lean Personal Finance LLC
Email: support@leanpersonalfinance.com

Cash Advance by LP Finance is not a lender and does not make credit decisions. Loan terms, APRs, and availability are determined solely by third-party lenders and may vary by state and individual qualifications. Availability of offers is not guaranteed.

Please borrow responsibly. Always review lender disclosures carefully before accepting any offer.