TJ LENDING is a technology platform — not a lender. Offers are limited to providers capped at 36% APR (all fees included) with 61+ day repayment terms.
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Disclosure-first lending platform

Apply with clarity. Review offers with confidence.

Submit a single request and review offers from independent third-party providers — every offer capped at 36% APR (all fees included) with repayment terms of 61 days or longer. No payday loans, no surprises.

36% APR cap
61+ day terms
No payday lenders
Secure submission
Disclosure-first
Get matched in minutes

Find your loan options

By continuing, you understand TJ LENDING is not a lender. Your information may be shared with independent providers in our network — all of whom are limited to a 36% all-in APR maximum and minimum 61-day repayment terms.

SSL-encrypted
Our partner-network commitments
36% APR maximum
61+ day repayment
No payday lenders
256-bit SSL
How it works

A simple, disclosure-forward flow

Providers determine eligibility, APR, fees, and timing. Our job is to make the path clear from start to finish.

1

Start your request

Tap “Apply for a loan” to open a secure application in a centered window — right on this page.

2

Provider review

If you proceed, your request may be shared with independent third-party providers for evaluation.

3

Review full terms

If an offer is presented, review the provider's APR, fees, and schedule before accepting anything.

What we do

We provide a clean technology flow to submit your request and access provider disclosures.

  • Route your request only to providers committed to a 36% APR cap (all fees included)
  • Limit our network to providers offering minimum 61-day repayment terms
  • Surface clear ranges and a representative example up front
  • Keep your data encrypted in transit

What we don't do

We are not a lender — and we never represent ourselves as one.

  • We do not work with payday lenders or any provider exceeding 36% all-in APR
  • We do not approve or deny applications, set APR, fees, or terms
  • We do not guarantee approval, funding, or specific timelines
  • We do not sell your information to data brokers
What to expect

Clear ranges. Honest examples.

Final terms always come from the provider. Below are typical figures you may see — useful as a starting reference.

Loan amounts
$250 – $5,000
Available range varies by provider, profile, and applicable state requirements.
Repayment terms
3 – 24 months
Minimum 91 days. Our partner network never offers terms requiring repayment in 60 days or less.
APR cap
36% maximum
All-inclusive — the cap covers interest plus all costs and fees. Typical offers fall within 5.99% – 35.99%.
Representative example. A $1,000 loan over 6 months at 30% APR results in an estimated monthly payment of ~$179.17. The all-in APR across our partner network is capped at 36% (interest + all fees) and minimum repayment is 61 days. For illustration only — actual terms come from the provider's disclosures.
FAQ

Common questions, straight answers

Are you a lender?
No. TJ LENDING is a technology platform. We do not issue loans or make credit decisions. Independent third-party providers review your request and determine eligibility and terms.
Will I be approved?
Approval is never guaranteed and we never claim otherwise. Independent providers review your request, may require additional verification, and decide independently whether to extend an offer and on what terms. Submitting information does not guarantee an offer or funding.
Where do APR and fees come from?
APR, fees, repayment schedule, and timing are all set by the provider — not by us. We only work with providers committed to a maximum APR of 36% (inclusive of all costs and fees) and minimum repayment terms of 61 days. Always review the provider's full disclosures and agreement before accepting an offer.
Do you work with payday lenders?
No. Our partner network is limited to providers offering loans with APR capped at 36% (all costs and fees included) and a minimum repayment period of 61 days. We do not work with payday lenders or any other high-cost short-term consumer credit products.
Do you charge a fee to use this site?
No. This site provides a free application flow. Any applicable costs are shown in the provider's disclosures if and when an offer is presented.
How is my information protected?
Your submission travels over an SSL-encrypted connection. Providers may require certain information to evaluate eligibility — that data is shared only for the purpose of reviewing your request.
How can I get help?
Reach us by email or phone in the Support section below. For questions about APR, fees, or repayment, please refer to the provider's disclosures and agreement.
What people say

Feedback from real applicants

The flow is judged on a simple bar — does it stay clear, even when discussing money?

"Steps were obvious and the disclosures actually made sense. I knew what I was signing before I signed it."

MR
Mariah R. Houston, TX

"Worked smoothly on my phone. Submitted in three minutes and didn't have to fight any popups along the way."

DC
Daniel C. Phoenix, AZ

"Support replied to my technical question quickly. Plain English answers, no scripts. Refreshing."

SP
Samira P. Atlanta, GA

Ready when you are.

Submit your request in about three minutes. Review what's offered. Decide what's right for you.

Apply for a loan See how it works
Support

We answer where you find us

Questions about the website or the application flow? Choose what's easiest for you.

Contact

For APR, fees, repayment, or funding-timing questions, please refer to the provider's disclosures and agreement.

Send a message

Send us a note about the website or application flow. We typically respond within one business day.

Important. TJ LENDING LLC operates a technology platform and is not a lender. We do not make credit decisions, issue loans, or set rates, fees, or repayment terms. Our partner network is limited to independent third-party providers offering loans with a maximum APR of 36% (inclusive of interest, costs, and all fees) and a minimum repayment period of 61 days. We do not work with payday lenders or any provider offering high-cost, short-term consumer credit. Any offer you may receive (if any) is presented by these third parties with full terms before acceptance. Submitting information does not guarantee approval, an offer, or funding.