Every Lendly question, answered in plain English.

Two: the CC Connect installment loan ($1,000, $1,500 or $2,000 repaid from your paycheck over about a year) and the CC Flow line of credit ($300–$1,500 to start, growing up to $5,000, with a flat fee per billing cycle). Both are made by Quill Bank and serviced by Lendly.

CC Connect comes in three fixed amounts: $1,000, $1,500 and $2,000, set mostly by your take-home pay per paycheck. CC Flow lines open at $300 to $1,500 and can grow to $5,000 after periodic reviews.

CC Connect APRs are set by state and approval, typically 175%–225%, with 199% common for payroll-repaid loans. CC Flow has no APR; it charges a flat fee per cycle based on your balance, e.g. $45 bi-weekly on $500.

At 199% APR over 26 bi-weekly payments: about $89.73 per payment, $1,333 in interest and $2,333 repaid. Finish in 13 payments and interest drops to about $614. There is no prepayment penalty.

No origination fee and no prepayment penalty. Florida borrowers pay a state Documentary Stamp Tax of 35¢ per $100 on CC Connect loans, added at funding. CC Flow's cost is its per-cycle fee.

For CC Connect, yes: your employer's payroll routes a slice equal to your payment to the loan each payday. If payroll can't split deposits, a bank-debit option may be offered at a higher APR. CC Flow repays from a bank account.

CC Flow advances reach a debit card in as fast as one hour. CC Connect loans typically fund within 24 hours after the payroll split is confirmed. Weekend and holiday applications fund the next business day.

There is no published minimum. Lendly runs a credit check but weighs your job and paycheck more than your score; many approved customers have subprime credit.

Twenty-two: AK, AL, AZ, AR, DE, FL, ID, IN, KY, LA, MI, MS, MO, MT, OH, OK, SC, TN, TX, UT, WI and WY. Not California, New York, Illinois or Pennsylvania.

You can preview a prequalified offer first. A credit check is part of the full application, and a credit inquiry may appear on your report.

Yes, with no penalty. Because CC Connect interest accrues daily, request a payoff quote and pay that exact amount by the quote date. For CC Flow, pay the balance below $25 before the cycle closes and that cycle's fee is $0.

One CC Connect loan at a time. After about 90 days of on-time payments you may see a refinance offer to move up a tier; the new loan pays off the old one. CC Flow lines are reviewed periodically for increases.

Payroll deductions stop with the paycheck, but the balance doesn't. Contact Lendly support before the next due date; you can usually be moved to bank-debit repayment and, in many cases, have the schedule adjusted.

Lendly's agreements include a short window after funding to return the funds and cancel; the exact period is in your agreement. After that, the loan can be paid off early instead.

Yes. Lendly, LLC is a Dayton, Ohio company registered with the NMLS that services loans made by Quill Bank, a Utah-chartered FDIC-member bank. It's a high-cost lender, so read the full cost before you sign.

Use the contact details inside your Lendly account or on lendly.com. lendlyloanusa.com is a guide to the products and can't access accounts.