CC Connect installment loan
$1,000, $1,500 or $2,000 in one lump sum, funded in as fast as 24 hours and repaid every payday straight from your paycheck. 20–52 bi-weekly payments, no prepayment penalty.
See full terms
Two ways to borrow
CC Connect
CC Flow
A little more breathing room
Lendly loans that fit inside your paycheck.
Explore your loan options, from a $200 advance to a credit line that grows up to $5,000, funded in as fast as one hour. Understand the payments and costs before you apply.
Backed by real institutions, not promises
Quill Bank
Member FDIC
NMLS-registered servicer
22 States
Trustpilot 4.8 7,500+ reviews
Lendly loans in 60 seconds
Everything you need to know before you scroll, in six lines.
Two ways to borrow
A $1,000–$2,000 CC Connect installment loan, or a CC Flow line of credit from $300–$1,500 that grows up to $5,000.
Built around your paycheck
Installment loans are repaid through a split payroll direct deposit, so steady work counts more than a perfect score.
Fast
Line of credit advances in as fast as one hour to a debit card; installment loans typically within 24 hours.
Honest about cost
Installment APRs typically run 175%–225%; the line of credit charges a fixed fee per billing cycle. See rates and fees.
Available in 22 states
Not in California, New York, Illinois or Pennsylvania. See the full state list.
Issued by a real bank
Every loan is made by Quill Bank (Utah-chartered, Member FDIC) and serviced by Lendly, LLC.
Two Lendly loan products, built around one idea: your paycheck.
Lendly keeps it simple. One product is a fixed loan you pay down in equal bites; the other is a reusable credit line. Both are issued by Quill Bank, serviced by Lendly, and designed for working people whose credit score doesn't tell the whole story.
Which one is right for me?CC Flow line of credit
An approved limit of $300–$1,500 you can draw from again and again. Advances land on your debit card in about an hour. Flat fee per billing cycle instead of interest.
See full termsCredit line increases to $5,000
CC Flow accounts in good standing are reviewed periodically. Draw responsibly, pay on time, and your line can grow well past the opening limit with nothing to reapply for.
How increases workRefinance after 90 days
Made about 90 days of on-time CC Connect payments? You may be able to refinance into a higher tier, paying off the old balance and unlocking $1,500 or $2,000.
Refinance rulesApply in four steps.
Most people finish in under ten minutes, from their phone.
01
Fill out the form
Tell us a little about you, your job and your paycheck. About five minutes, no paperwork.
02
Verify your identity
Confirm who you are and your income securely online, so your decision comes back in minutes.
03
Review the details and decide
See your amount, payment schedule and total cost up front. Sign only if it's right for you.
04
Get your money
Funds land in your bank account, as fast as one hour for a line of credit or within about 24 hours for an installment loan.
Have these ready
- Government-issued ID and Social Security number
- Employer name and your take-home pay per paycheck
- Checking account and routing numbers
- A debit card if you want the fastest funding
Good to know
- Checking your offer doesn't affect your credit score
- You see the full cost before you sign anything
- Weekend and holiday applications fund the next business day
- Available in 22 states; check the list below
Start my application
Prequalification doesn't affect your credit score.
Loans for whatever life throws at you.
You can use either Lendly product for any personal expense. These are the situations customers reach for most, and which product tends to fit.
CC Flow for speed
Emergency loans
A vet bill, a flooded basement, a flight home. Money on your debit card within the hour.
CC Connect, $1,000–$2,000Auto repair
Brakes, alternators, transmissions. A fixed loan spreads the bill across the year.
CC ConnectHome repairs
Water heaters, HVAC calls and roof patches that can't wait for savings to catch up.
Either, depending on sizeMedical and dental bills
Cover a deductible or copay now instead of letting a bill go to collections.
CC FlowRent and bill gaps
A small advance repaid next payday beats a late fee, a disconnect or an overdraft.
Only for higher-cost debtDebt consolidation
Replaces payday loans or overdraft cycles that cost more, not lower-rate credit cards.
Pick your loan.
Tap a product to see what it really costs. Both are issued by Quill Bank and serviced by Lendly.
$1,000
$89.73out of every paycheck
What you get with $1,000
- 26 payments, roughly a year
- Funded in as fast as 24 hours
- Where most first-time approvals start
- No prepayment penalty
Assumes 26 bi-weekly payments at 199% APR and a $1,321 net paycheck. Your actual APR (typically 175%–225%), term and payment are disclosed before you sign. Read the full CC Connect terms
Balance you carryDrag to change
$500on your line
$25$1,500 opening max$5,000
$45per bi-weekly cycle
$97per monthly cycle
Balances above $1,500 need a credit line increase. Lendly reviews accounts in good standing and can raise the line up to $5,000 over time.
Pay below $25 before a cycle closes and that cycle's fee is $0. Fees from the official CC Flow Rates and Terms, v.2 (effective Aug 14, 2025).
Cash on tap: $300 to $1,500 to start, up to $5,000 as your line grows
- Advances to your debit card in about 1 hour
- First advance from $25, then as little as $1
- Open-ended; draw again as you repay
- No interest; a flat fee per cycle based on your balance
- Periodic reviews can raise your line up to $5,000
Which Lendly loan is right for you?
Both products are built for the same person: someone with a paycheck and a problem that can't wait. The right pick depends on what the money is for and how you like to pay things back.
Installment loan
Choose CC Connect if…
- You have one clear expense between $1,000 and $2,000, like a transmission, a deposit or a medical bill.
- You want a fixed payment and a fixed end date, with nothing to manage.
- You're paid through employer direct deposit and you're comfortable routing part of it to the loan.
- You'd rather not have open credit sitting around.
- You want a full year of on-time payment history working for you.
Line of credit
Choose CC Flow if…
- You need less than $1,000 right now, or you're not sure exactly how much you'll need.
- You need money today; debit card funding lands in about an hour.
- Your expenses come in waves and you want credit that refills as you repay.
- Your employer doesn't support split direct deposits.
- You can pay balances down quickly and avoid carrying them across many cycles.
Rule of thumb.
If you can pay it back within one or two pay periods, CC Flow is usually cheaper. If you need a full year, CC Connect's fixed schedule keeps the cost predictable.
See the real numbersDo you qualify? A 20-second check.
Answer in one tap each. No forms, no credit pull. Lendly looks at your job and your paycheck more than your credit score.
I live in one of the 22 eligible states
I have a W-2 job with regular paychecks
My pay arrives by direct deposit to a bank account
Three taps, one answer.
Answer the questions above and we'll tell you which Lendly product you're likely to match, and what to do next.
What Lendly looks forAge 18+ with a Social Security number · a steady job with a regular paycheck · an active checking account · one of 22 eligible states · for CC Connect, payroll that can split direct deposits.
Usually not a fitSelf-employed, gig or 1099 income · paid by paper check or cash · living in California, New York, Illinois, Pennsylvania or another non-eligible state. No minimum credit score is published; a low score alone doesn't disqualify you. Full requirements.
True cost calculator.
See what a Lendly loan really costs before you apply. Estimates use Lendly's published fee schedule and typical disclosed APRs; your signed agreement is the final word.
Typical terms run 20 to 52 payments. Drag below 20 to see the effect of paying off early. How your APR is set.
Need more than $2,000? Switch to the CC Flow tab: lines grow up to $5,000 over time.
$25$1,500 opening max$5,000
Fees are charged on the balance at each cycle close. Balances above $1,500 assume a credit line increase.
Estimated bi-weekly payment
$89.73
- Loan amount
- $1,000
- Total interest
- $1,333
- Total you'll repay
- $2,333
- Cost per $100 borrowed
- $133
For comparison, the same loan at a 36% APR would cost about $199 in interest.
What borrowers are saying.
The honest pros and cons.
Lendly is a great tool for some situations and the wrong tool for others. Here's the unvarnished version, so you can decide with your eyes open.
Why people say yes
Eight things Lendly gets right.
The reasons customers come back, in their own words and ours.
- Approves people with poor or thin credit by weighing employment and income first
- Money in as fast as one hour (CC Flow) or 24 hours (CC Connect)
- Payments happen automatically, so there's nothing to forget and no late fees to trigger
- No prepayment penalty on either product; pay early, pay less
- Refinance to a larger amount after 90 days of good history
- On-time payments can help build a positive payment record
- Loans issued by an FDIC-member bank with federal disclosure rules
- Prequalify with zero impact to your credit score
What to weigh first
Seven things to think through.
None of these are hidden. All of them matter.
- 01APRs in the 175%–225% range are far above the 36% ceiling consumer advocates recommend
- 02Payroll direct deposit is required for CC Connect; part of every paycheck goes to the loan
- 03Maximum $2,000 at origination, which won't cover larger needs
- 04Available in only 22 states
- 05CC Flow fees repeat every cycle you carry a balance, so slow repayment gets expensive
- 06Some customers report confusion about statement dates and payoff calculations
- 07Lendly isn't BBB accredited, though it holds a 4.7–4.8 Trustpilot rating
Our take.
Worth it when the alternative is a bounced rent check, a repossession or a 400% payday loan. Not worth it as a long-term borrowing habit. Borrow the smallest amount that solves the problem, and pay it off as fast as you can. Read the full review.
Run the numbersLendly loans by state: where you can apply today.
CC Connect installment loans and CC Flow lines of credit are currently available to residents of these 22 states. New states are added as licensing allows. See every state in detail.
AKAlaska
ALAlabama
AZArizona
ARArkansas
DEDelaware
FLFlorida+ tax
IDIdaho
INIndiana
KYKentucky
LALouisiana
MIMichigan
MSMississippi
MOMissouri
MTMontana
OHOhio
OKOklahoma
SCSouth Carolina
TNTennessee
TXTexas
UTUtah
WIWisconsin
WYWyoming
Not yet available
Lendly does not currently lend in the remaining 28 states, including the ones customers ask about most:
CaliforniaNew YorkIllinoisPennsylvaniaGeorgiaNorth CarolinaVirginiaNew JerseyWashingtonColoradoMassachusettsMaryland
Most of these states cap small-loan interest rates well below the level of Lendly's products. If you live in one, a credit union payday alternative loan (PAL) or an earned wage access app is usually your best next stop.
City coverage
Lendly publishes dedicated pages for its biggest markets, with city-level detail for Phoenix, Tucson, Jacksonville, Miami, Orlando, Tampa, Indianapolis, New Orleans, Baton Rouge, Detroit, Grand Rapids, Columbus, Cleveland, Cincinnati, Dayton, Nashville, Memphis, Houston, Dallas–Fort Worth, San Antonio, Austin and El Paso.
Whatever state you're in, the product, pricing and application are the same. The only state-specific difference is Florida's Documentary Stamp Tax.
CC Connect installment loan: the full terms.
Everything in the loan agreement, explained in plain English. Amounts, schedule, how interest accrues, payroll setup, eligibility and early payoff.
How CC Connect works
Your employer splits your direct deposit. A slice equal to your scheduled payment goes to the loan on every payday, and everything else lands in your bank account as usual. No logging in, no reminders, no bounced payments. That's why Lendly can say yes to people traditional lenders turn down: when repayment rides on your paycheck instead of your promise, your job history matters more than your credit history.
Term and payment schedule
Payments are due every two weeks on payday. Most loans run 26 payments, though terms range from 20 to 52. Your first payment lands on the first payday at least 10 days after funding, and your agreement includes a full schedule with every date and amount. If your employer's payroll runs early, the payment simply posts early.
APR and how interest accrues
Simple interest accrues every day on whatever principal is still outstanding, on a 365-day year. Typical disclosures cluster around 199% for payroll-repaid loans and up to about 225% when payroll repayment isn't in place, with some third-party reviews reporting closer to 175%. Because interest is front-loaded, early payments are mostly interest and later payments mostly principal.
Interest, about 57%Principal, about 43%
Share of total payments on a $1,000 loan, 26 payments, about 199% APR. Estimate only.
Representative cost
| Amount | Bi-weekly | Total interest | Total repaid |
|---|---|---|---|
| $1,000 | $89.73 | $1,333 | $2,333 |
| $1,500 | $134.59 | $1,999 | $3,499 |
| $2,000 | $179.45 | $2,666 | $4,666 |
26 bi-weekly payments at 199% APR, no early payoff. Pay off in 13 payments and you'd cut the interest roughly in half.
Payroll direct deposit, step by step
During the application you securely connect your employer's payroll through Pinwheel or Argyle. Lendly then asks your employer's system to send a fixed amount to the loan each payday, and you confirm the setup with a screenshot before funds are released. You stay in control: the deposit can be adjusted or cancelled through your employer at any time, though you remain responsible for the balance. Payroll direct deposit, explained.
If your employer can't split deposits
Most payroll systems support multiple direct deposit accounts, but not all do, and some employers pay by paper check. In those cases you may be offered a non-payroll option via bank debit, which generally carries a higher APR. Gig workers, freelancers and the self-employed usually don't qualify for CC Connect because there's no employer payroll to link.
Who qualifies
Steady W-2 employment with a regular paycheck, an active checking account (Lendly can help you open one if you don't have one), residence in one of the 22 eligible states, a Social Security number and age 18+. A credit check is run, but a subprime score won't automatically disqualify you.
One loan at a time, refinance after 90 days
You can hold only one CC Connect loan at a time. After about 90 days of on-time payments you may be eligible to refinance: the new loan pays off the old balance and can bump you to a higher tier. Interest is charged only on the new balance going forward. How refinancing works.
Florida borrowers
Florida requires a Documentary Stamp Tax on promissory notes of 35 cents per $100 borrowed or portion thereof, $3.85 on a $1,000 loan, added to your loan amount at funding. It's a state tax, not a Lendly fee, and isn't included in the advertised APR.
Pay it off early and save
There's no prepayment penalty, and because interest accrues daily, every extra dollar shortens the loan and cuts total cost. Request a payoff quote through your Lendly portal before sending a lump sum so you know the exact balance including that day's interest. Paying off early, step by step.
CC Flow line of credit: full terms and fee schedule.
How limits grow, how advances work, what each billing cycle costs, and the official fee bands from $0 to $5,000.
Credit limits and increases
The highest limit at opening is $1,500, and most first-time customers are approved for less. Lendly reviews open accounts on a recurring basis, and customers who draw responsibly and pay on time can be offered increases, with published pricing extending up to a $5,000 balance. You'll get an email when your line grows.
Taking a cash advance
Your first advance must be at least $25. After that you can pull as little as $1 whenever you have available credit, straight from the customer portal. Advances sent to a debit card arrive in about an hour; standard bank transfers take one business day.
How the fee schedule works
Each billing cycle you're charged a flat fee that depends on which $25 band your balance falls into. Carry $0–$25 and you pay nothing. Carry $1,000 and you pay $93 bi-weekly or $200 monthly. The fee is the same whether you carry the balance for one day or the whole cycle, so paying down before the cycle closes is the single best way to keep costs low.
What "no interest" really means
A fee-based product is not automatically a cheap one. A $200 monthly fee on a $1,000 balance is about 20% of the balance every month, comparable to the triple-digit APRs on the installment loan. The structure is transparent and predictable, which many customers prefer, but treat CC Flow as short-term bridge money, not a balance to carry for months.
Billing cycles and minimum payments
Your cycle is set to match how you're paid, bi-weekly or monthly. Each statement shows your balance, the cycle fee and a minimum payment that includes the fee plus a portion of principal. Paying only the minimum keeps the account open but resets the fee every cycle. Paying the full balance stops the fees entirely.
Credit check and approval
A credit check is part of the CC Flow application, but it's one input among several. Your application is verified through Lendly's digital partners so decisions come back in minutes, and you can preview a prequalified offer first with no impact to your score.
CC Flow fee ladder.
Seven balances from the official schedule (v.2, effective Aug 14, 2025). Fees step in $25 bands, roughly 9¢ per dollar bi-weekly or 20¢ per dollar monthly. Drag the slider in Pick your loan for any amount.
$500$45bi-weekly$97monthly
$1,000$93bi-weekly$200monthly
$1,500$141bi-weekly$302monthly
$2,000$189bi-weekly$405monthly
$3,000$285bi-weekly$610monthly
$4,000$381bi-weekly$815monthly
$5,000$476bi-weekly$1,021monthly
Bar length = bi-weekly feeBalances above $1,500 need a credit line increase
How repayment works, and why it changes your rate.
Repayment method isn't a footnote with Lendly; it's the heart of the product and one of the biggest levers on what you'll pay.
Default for CC Connect
Payroll direct deposit
Your employer sends the payment straight from your paycheck. Works with most payroll platforms, including ADP, Paychex, Gusto, Workday and Paylocity. Generally the lowest-priced way to hold a CC Connect loan, and you're never late as long as you're getting paid.
Fallback option
Bank debit (non-payroll)
If payroll deduction isn't possible, payments are pulled from your checking account by ACH on each due date. More flexible, but because it carries more risk for the lender it usually comes with a higher APR, often the upper end of the disclosed range.
CC Flow
Debit card funding and repayment
Line of credit advances are pushed to your debit card in about an hour, and payments are scheduled to match your pay cycle. Make extra payments any time from the portal to close a cycle with a lower balance and a lower fee.
Changed jobs or lost your job? Payroll deductions stop when your paycheck does, but the balance doesn't. Reach out before you miss a payment; you can usually be moved to bank debit and, in many cases, have your schedule adjusted. See how to change or cancel a payroll deposit and how to reach Lendly. Questions about this site: [email protected].
Lendly loan products at a glance.
Side by side, so you can spot the difference in ten seconds.
See the full side-by-side comparison (13 features)
| Feature | CC Connect installment loan | CC Flow line of credit |
|---|---|---|
| Type of credit | Closed-end installment loan, one lump sum | Open-end revolving line of credit |
| Amount | $1,000, $1,500 or $2,000 | $300 to $1,500 at opening; line increases up to $5,000 |
| Funding speed | As fast as 24 hours after payroll setup is verified | As fast as 1 hour to your debit card |
| How it's priced | Interest accrues daily on unpaid principal (365-day year) | Fixed fee per billing cycle based on balance; no interest |
| Typical cost | APR roughly 175%–225% by state and repayment method | $9 bi-weekly / $20 monthly on $100–$125; $141 / $302 on $1,475–$1,500 |
| Term | 20 to 52 bi-weekly payments (average 26) | Open-ended, no set end date |
| Repayment | Payroll direct deposit split from your paycheck (required) | Payments aligned to your pay periods |
| Minimum draw | Not applicable | $25 first advance, then as little as $1 |
| Credit check | Yes, but not the only factor | Yes, but not the only factor |
| Prepayment penalty | None | None |
| Borrowing again | One loan at a time; refinance after 90 days of on-time payments | Draw again any time you have available credit |
| State-specific charges | Florida Documentary Stamp Tax, 35¢ per $100 | Not applicable |
| Best for | A single known expense you want on autopilot | Unpredictable or recurring cash gaps |
Amounts, APRs and availability vary by state and are subject to approval. Not all applicants qualify for the highest amounts.
Lendly vs. other lenders for less-than-perfect credit.
If you're comparing Lendly against other options, these are the names that come up most, grouped by how they work.
See all 10 lenders compared
| Lender | How it works | Compared with Lendly |
|---|---|---|
| Lendly (CC Connect / CC Flow) | Installment loan repaid from payroll, or fee-based line of credit | Fastest funding of the group for a line of credit; fixed three-tier loan amounts |
| BMG Money | Payroll-deducted installment loans offered through employers | Often larger amounts and lower rates, but only if your employer is a partner |
| FinFit | Employer-sponsored financial wellness loans | Similar payroll model; availability depends on your workplace |
| PayDaySay | Loan-matching marketplace for short-term loans | Broker, not a lender; rates vary widely by match |
| OppFi (OppLoans) | Bank-partnership installment loans for subprime borrowers | Larger loan amounts; repayment from your bank account rather than payroll |
| NetCredit | Online installment loans and lines of credit | Higher limits; pricing varies by state, some lower than Lendly |
| RISE Credit | Installment loans, also issued through Quill Bank in some states | Wider amount range; rates that can drop with on-time payments |
| EarnIn / Dave | Earned wage access and small cash advances | Much cheaper for amounts under a few hundred dollars; not built for $1,000+ |
| Upstart | AI-underwritten personal loans | Far lower APRs and larger loans, but tougher approval and slower funding |
| Credit union PALs | Payday alternative loans capped at 28% APR | The cheapest option here if you can join and wait a month for membership |
Competitor terms change frequently and vary by state; confirm current rates directly with each lender.
Who is Lendly, and who's behind the loans?
Lendly was founded in Dayton, Ohio in 2019 on a simple idea: people with steady jobs deserve a fair shot at credit, even if their score says otherwise. Instead of judging you on a three-digit number, Lendly looks at what actually matters, whether you're working and getting paid.
Lendly operates under a bank-partnership model. The loans themselves are made by Quill Bank, a Utah-chartered, FDIC-member bank headquartered in Provo, Utah. Quill Bank owns the underwriting, approval decisions and regulatory compliance. Lendly, LLC, a servicer registered with the Nationwide Multistate Licensing System (NMLS), is the authorized servicer, which means Lendly runs the application, funds your account, answers your calls and manages your payments day to day.
Two divisions of Quill Bank issue the products on this page: CC Connect issues the installment loan and CC Flow issues the line of credit. In a handful of states, loans may instead be originated by First Star Credit, LLC. More about this site.
What changed in 2026
In June 2026, Capital Community Bank (CCBank), Lendly's long-time bank partner, rebranded its fintech division as Quill Bank. The charter, FDIC certificate and regulatory structure stayed the same; only the name changed. If your older paperwork or credit report says "CCBank" or "Capital Community Bank," it's the same institution.
Why a Utah bank matters to you
Utah doesn't cap interest rates for banks chartered there, which is how Lendly can offer the same product in Texas, Florida and Ohio alike. It also explains why the loans aren't available in states with strict rate caps. Your protections come from federal law, including the Truth in Lending Act, which is why every APR and fee is disclosed before you sign.
Frequently asked questions about Lendly loans.
The eight questions people ask most before they apply, answered in plain English.
What loan products does Lendly offer?
Two, both issued by Quill Bank: the CC Connect installment loan ($1,000, $1,500 or $2,000, repaid in fixed bi-weekly payments from your paycheck) and the CC Flow line of credit ($300 to $1,500 at opening, with increases up to $5,000) that you can draw from repeatedly.
How much can I borrow?
CC Connect comes in three amounts: $1,000, $1,500 and $2,000. The CC Flow line of credit opens at $300 to $1,500 and can grow to $5,000 after periodic account reviews. Your income per paycheck is the main driver of which amount you're offered.
What is the APR on a Lendly loan?
APR varies by state and approval. Lendly's application disclosures show typical APRs of roughly 175% to 225% for CC Connect, with payroll-repaid loans priced lower than non-payroll loans. CC Flow charges a fixed fee per billing cycle instead of interest; on a $1,000 balance the monthly fee is $200, comparable to a triple-digit APR. Use the calculator above before you commit.
Do I have to repay through payroll direct deposit?
Yes, for the CC Connect installment loan. A portion of each paycheck equal to your scheduled payment is routed directly to the loan through your employer's direct deposit, and the rest of your pay goes to your bank account as usual. You can adjust or cancel the deposit through your employer, but you remain responsible for the balance.
How fast can I get the money?
CC Flow advances can be funded in as fast as one hour to a debit card. CC Connect loans are typically funded within 24 hours after your payroll direct deposit is verified and your documents are signed. Weekend and holiday applications fund the next business day.
What credit score do I need?
There's no published minimum. Lendly runs a credit check but says decisions aren't based on your score alone; steady employment and income carry significant weight, so a low or subprime score doesn't automatically disqualify you.
Which states is Lendly available in?
Twenty-two states: Alaska, Alabama, Arizona, Arkansas, Delaware, Florida, Idaho, Indiana, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Wisconsin and Wyoming. Not California, New York, Illinois or Pennsylvania.
Does checking my offer affect my credit score?
No. You can view a prequalified offer with no impact to your credit score. A full credit check happens only when you submit a complete application.
Looking for something more specific, like refinancing, Florida's stamp tax or what happens if you change jobs? See the full FAQ.
GuideHow Lendly worksApplication, verification, funding and repayment, start to finish.Read the guide
GuideRequirementsWhat you need to qualify, and the reasons applications get declined.Check the list
GuidePay off earlyHow daily interest works and how to get an exact payoff amount.See how
GuideLoans like LendlyPayroll lenders, bank-partner lenders and cash advance apps compared.Compare options
Ready when you are. Check your offer in five minutes.
No impact to your credit score to see what you qualify for. If it's a fit, money can be on the way today.