Personal Loans Advertising Disclosure

Lending Ben LLC (https://www.lendingben.com/personal-loans/lenders) is not a direct lender but an affiliate website that connects consumers with third-party personal loan providers, including Credible, LightStream, Upstart, Upgrade, and LendingClub. We do not offer loans directly; instead, we feature and promote personal loan products from these trusted lenders to help consumers find suitable loan options. Below are the key disclosures required to provide transparency about the personal loan products featured on our site:

• Minimum and Maximum Period for Repayment: The repayment period for personal loans featured on our platform ranges from a minimum of 61 days to a maximum of 7 years, depending on the lender and loan product. For example, LightStream, Upgrade, and LendingClub offer terms from 2 to 7 years, while Upstart offers terms from 3 to 5 years.
• Maximum Annual Percentage Rate (APR): The maximum APR for personal loans featured on our site ranges from 25.29% to 35.99%, which includes the interest rate plus applicable fees and other costs for a year, as calculated consistently with local law. Specific APRs vary by lender: Credible (6.49%–35.99%), LightStream (6.49%–25.29%), Upstart (6.60%–35.99%), Upgrade (7.90%–35.99%), and LendingClub (7.90%–35.99%).
• Representative Example of Total Loan Cost: For a $10,000 personal loan with a 36-month repayment term at an APR of 15%, the total cost of the loan, including all applicable fees, would be approximately $12,391. This includes a monthly payment of about $344.20, assuming no additional fees beyond the stated APR. Actual costs and terms vary by lender and borrower qualifications.

The personal loans featured on our site may include various fees depending on the lender, such as:

• Origination Fees: Upstart (up to 12%), Upgrade (1.85%–9.99%), LendingClub (0%–8%). Credible and LightStream do not charge origination fees for some or all of their featured loans.
• Late Payment Fees or Prepayment Penalties: Most lenders, such as LightStream, Upstart, Upgrade, and LendingClub, do not charge prepayment penalties. Late payment fees vary by lender and are disclosed in their loan agreements.
• Other Fees: Additional fees, such as administrative or processing fees, may apply depending on the lender. Consumers are encouraged to review the specific terms and conditions on each lender’s website or loan agreement for full details.

Lending Ben LLC is not affiliated with any government entities. The lenders featured on our site may have third-party accreditations or endorsements that enhance their reputation. For example:

• LightStream is a division of Truist Bank, which is accredited by the Better Business Bureau (BBB). Visit Truist Bank’s BBB profile for more information.
• Credible, Upstart, Upgrade, and LendingClub may also have BBB accreditations or other third-party ratings, which are linked on their respective websites where applicable. Consumers can find these links on the lender’s official site or landing page accessed through Lending Ben LLC.

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• All disclosures are prominently displayed on our website without requiring clicks or hovers to view.
• Consumers are responsible for researching and ensuring compliance with state and local regulations applicable to the loans they pursue. Lending Ben LLC encourages users to verify eligibility and terms directly with the chosen lender.
• Lending Ben LLC does not guarantee loan approval, terms, or rates, as these are determined by the third-party lenders. Loan amounts range from less than $5,000 to $250,000, depending on the lender (e.g., Credible up to $250,000, LightStream up to $100,000, Upstart up to $75,000, Upgrade up to $50,000, and LendingClub up to $60,000).
• Some lenders, such as Credible and Upstart, use soft credit checks for pre-qualification, which do not impact your credit score. Others, like LightStream, may require a hard credit pull. Minimum credit score requirements vary: Credible (560+), LightStream (700+), Upstart (600+), Upgrade (580+), and LendingClub (600+).
• For more details about our affiliate relationships or the personal loan products we feature, please contact us at contact@lendingben.com.

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