The loan that pays itself every payday.
CC Connect isn't repaid by you remembering a due date. Your employer's payroll sends a slice of each paycheck straight to the loan, and the rest lands in your account like always. Here's exactly how that works, who sets it up, and what happens if it can't.
Where each dollar goes, on payday.
Nothing changes about how or when you're paid.
One fixed amount, equal to your payment, is routed to the loan.
Everything else arrives in your checking account as usual.
Because the payment rides on your paycheck instead of a promise, Lendly can say yes to people traditional lenders turn down. It's also why payroll-repaid loans are typically priced lower than the non-payroll option.
Four steps, all inside the application.
You never fill in a paper form for HR.
- Connect your payroll provider securely through Pinwheel or Argyle. This verifies your job and income in minutes.
- The loan is added as a deposit destination, with an amount equal to your bi-weekly payment.
- You confirm the split with a screenshot before funds are released.
- Your first payment lands on the first payday at least 10 days after funding. If payroll runs early, the payment simply posts early.
The bank-debit fallback.
Not every payroll system supports multiple deposit accounts.
- 01Payments are pulled from your checking account by ACH on each due date instead.
- 02It usually carries a higher APR, often the top of the 175%–225% range, because it's riskier for the lender.
- 03Paid by paper check, gig, freelance or 1099? CC Connect usually isn't available; the CC Flow line of credit may be.
- 04Keep enough in the account on due dates to avoid your bank's overdraft fees.
You stay in control, and so does the balance.
The split lives in your employer's payroll system, so you can change or remove it there at any time; Lendly can't do it for you. Two things to know before you touch it:
- Removing the deposit doesn't remove the debt. Lendly will move you to bank-debit repayment and you must keep paying on schedule.
- The clean sequence is: pay off, confirm a $0 balance, then remove the split. Any slice that arrives after payoff is refunded.
- Change jobs? Contact support before the next due date; you can usually be moved to bank debit and, in many cases, have the schedule adjusted.
Payroll questions, answered.
What is payroll direct deposit repayment?
Instead of you sending payments, your employer's payroll splits your direct deposit: an amount equal to your scheduled payment goes to the Lendly loan each payday, and the rest of your pay goes to your bank account as usual.
How does Lendly set it up?
During the application you connect your payroll provider securely through Pinwheel or Argyle, which verifies your income and adds the loan as a deposit destination. You confirm the setup with a screenshot before funds are released.
Will my employer know it's a loan?
Your employer sees an additional direct deposit destination in payroll, the same as adding a savings account. Lendly doesn't contact your employer about the loan; the setup is done through your payroll login.
Can I cancel the payroll deduction?
Yes, through your employer or payroll portal at any time. The balance still has to be repaid; Lendly will move you to bank-debit repayment, usually at a higher APR.
What if my payroll can't split deposits, or I'm paid by check?
Some employers can't route a slice to Lendly. You may be offered a non-payroll option via bank debit at a higher APR, or the CC Flow line of credit, which repays from a bank account. Gig and 1099 workers usually don't qualify for CC Connect.
What happens when I change jobs?
Payments stop when the paycheck does, but the balance doesn't. Contact Lendly before the next due date to switch to bank debit and, if needed, adjust the schedule.
Payments on autopilot. Check your offer in five minutes.
See your amount and what comes out of each paycheck before you sign.