Installment loan · CC Connect

One lump sum, repaid a little from every paycheck.

Pick $1,000, $1,500 or $2,000. It lands in your account in as fast as 24 hours, and a slice of each paycheck pays it down until it's gone, usually in about a year. No due dates to remember, no late fees to dread.

Check my offer See what it costs

3 amounts$1,000 · $1,500 · $2,000

24 hrsfunding, as fast as

Every 2 wkspayments, on payday

20–52payments, usually 26

175–225%typical APR, by state

$0prepayment penalty

Pick your amount, see your paycheck.

Every CC Connect loan is repaid the same way. Tap an amount to see what comes out of each check.

$1,000

$89.73out of every paycheck

Your paycheck stays yoursLoan slice ≈ 7% of a $1,321 net check

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

Check my offer for $1,000

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.

How the money moves.

Three moments, and none of them involve remembering a due date.

Apply and connect payroll

Five minutes online. You connect your employer's payroll securely so Lendly can verify income and set up the split deposit. You confirm it with a screenshot.

Money lands within 24 hours

Once the payroll split is confirmed and you've signed, the full amount is deposited to your checking account.

Payday does the rest

Each payday, a slice equal to your payment goes to the loan; the rest of your pay arrives as usual. First payment lands on the first payday at least 10 days after funding.

What it costs, with nothing hidden.

CC Connect charges simple interest that accrues every day on the unpaid principal, on a 365-day year. That's why the early payments are mostly interest, and why paying early saves so much.

Starter tier$1,000

Bi-weekly payment: $89.73
Total interest: $1,333
Total repaid: $2,333

Middle tier Most common upgrade$1,500

Bi-weekly payment: $134.59
Total interest: $1,999
Total repaid: $3,499

Top tier$2,000

Bi-weekly payment: $179.45
Total interest: $2,666
Total repaid: $4,666

26 bi-weekly payments at 199% APR, no early payoff. Your APR is set by your state and approval.

Finish early, pay far less.

There's no prepayment penalty, and daily accrual means every extra dollar shortens the loan. On a $1,000 loan at 199% APR:

26 payments$1,333

20 payments$985

13 payments$614

Total interest. How to pay off early · Try any term in the calculator

Florida borrowers

One state-specific charge.

Florida adds a Documentary Stamp Tax of 35¢ per $100 borrowed ($3.85 on $1,000) to the loan amount at funding. It's a state tax, not a Lendly fee, and it isn't in the advertised APR. Every other eligible state: no extra charges.

See all 22 states

A year with CC Connect, start to finish.

What actually happens between the day the money lands and the day the loan closes.

Day 0Funded

Amount deposited to your checking account after payroll setup is confirmed and you've signed.

First paydayPayment 1

The first slice comes out on the first payday at least 10 days after funding. Mostly interest at this stage.

~Day 90Refinance eligible

After about 90 days of on-time payments you may see an offer to move up a tier. One loan at a time.

Payment 13Halfway

Roughly half the payments made, and the balance is now falling faster as interest shrinks.

Payment 26Paid off

Loan closes at $0. Remove the payroll split with your employer so your full paycheck comes back to you.

Who qualifies, and who doesn't.

Lendly weighs your job and paycheck more than your credit score. A credit check is run, but a low score alone doesn't disqualify you.

What Lendly looks for

Age 18+ with a Social Security numberSteady W-2 job with a regular paycheckAn active checking accountOne of 22 eligible statesPayroll that can split direct deposits

Usually not a fit

Self-employed, gig or 1099 incomePaid by paper check or cashA second CC Connect loan while one is open

Take the 20-second check on the home page

A woman on a city sidewalk reading her phone

Payroll direct deposit, explained.

The mechanic that makes the loan work, and what happens when it can't.

How it's set up

Your employer splits the deposit.

Nothing changes about how you're paid; a fixed amount is routed to the loan.

During the application you connect payroll through Pinwheel or Argyle, the same providers major payroll platforms use.
Lendly asks your employer's system to send an amount equal to your payment to the loan each payday.
You confirm the setup with a screenshot before funds are released.
You can change or remove the split through your employer at any time; the balance remains yours to pay.

When payroll can't be split

A bank-debit fallback exists.

Not every payroll system supports multiple deposit accounts.

01Payments are pulled from your checking account by ACH on each due date instead.
02Because it carries more risk for the lender, it usually comes with a higher APR, often the top of the disclosed range.
03Gig workers, freelancers and the self-employed usually don't qualify for CC Connect because there's no employer payroll to link.
04Change jobs mid-loan? Contact support before the next due date; you can usually be moved to bank debit.

Not sure it's the right product? Compare.

This page

CC Connect

Best for one known expense between $1,000 and $2,000 you want on autopilot for about a year.

Fixed amount, fixed schedule
Repaid from your paycheck
Funded in as fast as 24 hours

Check my offer

The alternative

CC Flow line of credit

Best for smaller or unpredictable needs: draw $25 or more whenever you need it, pay a flat fee per cycle on what you carry.

$300–$1,500 to start, grows to $5,000
Advances in as fast as 1 hour
No interest; fee per billing cycle

About CC Flow

CC Connect questions, answered.

How much can I borrow with a CC Connect loan?

CC Connect comes in three fixed amounts: $1,000, $1,500 and $2,000. The amount you're offered depends mostly on your take-home pay per paycheck and time with your employer. Many first-time customers start at $1,000 and move up on a refinance.

How fast is a CC Connect loan funded?

Typically within 24 hours after your payroll direct deposit is verified and your agreement is signed. Weekend and holiday applications fund the next business day.

What APR does CC Connect charge?

APR is set by your state and approval. Typical disclosures cluster around 199% for payroll-repaid loans and up to about 225% when payroll repayment isn't in place; some third-party reviews report closer to 175%. Interest accrues daily on the unpaid principal.

Do I have to repay through my paycheck?

Yes. A slice of each paycheck equal to your scheduled payment is routed to the loan through your employer's direct deposit, and the rest of your pay arrives as usual. If your employer can't split deposits, a bank-debit option may be offered, usually at a higher APR.

Can I pay a CC Connect loan off early?

Yes, with no prepayment penalty. Because interest accrues daily, finishing early cuts the total cost: a $1,000 loan at 199% APR costs about $1,333 in interest over 26 payments but about $614 over 13.

Is there anything different in Florida?

Florida adds a Documentary Stamp Tax of 35 cents per $100 borrowed ($3.85 on $1,000) to the loan amount at funding. It's a state tax, not a Lendly fee, and isn't included in the advertised APR.

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See your amount, payment and total cost before you sign anything.

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