TJ LENDING is a technology platform — not the lender. We connect borrowers with our partner lender. Loans capped at 36% APR (all fees included) with 61+ day repayment terms.
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Disclosure-first lending platform

Apply with clarity. Review terms with confidence.

TJ LENDING is a Texas-licensed Credit Access Business that connects borrowers with our partner lender. Every loan capped at 36% APR (all fees included) with repayment terms of 61 days or longer. No payday loans, no surprises.

Texas CAB licensed
36% APR cap
61+ day terms
Encrypted in transit
Disclosure-first
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By clicking Get Started, you agree to our Terms of Use, Privacy Policy, and Loan Terms. TJ LENDING is a technology platform — not the lender. Your information may be shared with our partner lender. All loans capped at 36% all-in APR with minimum 61-day repayment terms.

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Our commitments to every borrower
Texas CAB · NMLS #319848
36% APR maximum
61+ day repayment
256-bit SSL
How it works

A simple, transparent flow

We connect you with our partner lender — every step clearly defined, every term disclosed before you sign.

1

Apply online

Submit your application in about three minutes. We collect only what's needed to evaluate your request.

2

Lender review

Your application is shared with our partner lender for review. They make the credit decision based on their underwriting criteria.

3

Review terms and get funded

If approved, you'll receive a full loan agreement disclosing APR, fees, and repayment schedule before you sign. Funds typically arrive by ACH.

What we do

We're a Texas-licensed Credit Access Business that connects you with our partner lender.

  • Provide a clean technology flow to submit your application
  • Connect you with our partner lender, who is capped at 36% all-in APR
  • Surface clear ranges and a representative example up front
  • Encrypt your data in transit and store it securely
  • Maintain Texas state licensure (CAB #1400050303-154299, NMLS #319848)

What we don't do

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

  • We do not approve or deny applications — our partner lender does
  • We do not set APR, fees, or repayment terms — those are set by the lender
  • We do not work with payday lenders or any product exceeding 36% APR
  • We do not guarantee approval, funding, or specific timelines
  • We do not sell your personal 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+
The amount approved depends on your credit profile, income, and applicable Texas regulatory limits.
Repayment terms
3 – 24 months
Minimum 91 days. We never connect borrowers with loans requiring repayment in 60 days or less.
APR cap
36% maximum
All-inclusive — interest plus every cost and fee. Most loans fall between 5.99% and 35.99% APR.
Representative example. A $1,000 loan over 6 months at 30% APR has an estimated monthly payment of ~$179.17 and a total estimated repayment of ~$1,075. Every loan we connect borrowers with is capped at a 36% all-in APR (interest + all costs and fees) with a minimum 61-day repayment period. For illustration only — your specific terms appear in the loan agreement from our partner lender before you sign.
FAQ

Common questions, straight answers

Are you a lender?
No. TJ LENDING is a Texas-licensed Credit Access Business (CAB License #1400050303-154299, NMLS #319848). We do not issue loans or make credit decisions. We connect you with our partner lender, who reviews your application and issues the loan.
Will I be approved?
Approval is never guaranteed and we never claim otherwise. Our partner lender reviews your application, may require additional verification, and decides independently whether to extend an offer and on what terms. Submitting an application does not guarantee an offer or funding.
Where do APR and fees come from?
APR and the lender's fees are set by our partner lender. As a Texas Credit Access Business, TJ LENDING may also charge a CAB fee for arranging and guaranteeing the loan — this fee is included within the 36% all-in APR cap, so the total cost (interest + lender fees + CAB fee) never exceeds 36% APR. Your full fee breakdown appears in your loan agreement before you sign.
Do you connect borrowers with payday lenders?
No. Our partner lender does not offer payday loans, single-payment loans, or any product with APR over 36% all-in. Every loan we connect borrowers with is a fixed-schedule installment loan with a repayment period of at least 61 days.
Do you charge a fee to use this site?
No. Applying is free, and there's no charge to use this website. The only costs are the interest, lender fees, and any CAB fee on your specific loan — all disclosed in your loan agreement before you sign and all included within the 36% APR cap.
How is my information protected?
Your application travels over a 256-bit SSL-encrypted connection and is stored securely. We share what's needed with our partner lender to evaluate your request — we do not sell your personal data to third parties.
How can I get help?
Reach our US-based support team by email or phone in the Support section below. For questions about your specific loan — APR, fees, repayment schedule, or payoff — please reference your loan agreement and account number when contacting us.
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.

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Support

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

Contact

Questions about the website or the application flow? For questions about your specific loan, please refer to your loan agreement or contact our partner lender directly.

Send a message

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

Important. TJ LENDING LLC is a Texas-licensed Credit Access Business (CAB License #1400050303-154299, NMLS #319848). We are a technology platform — not the lender. We do not make credit decisions, issue loans, or determine APR, fees, or repayment terms. Loans are made by our partner lender, who is the named lender on your loan agreement. Every loan we connect borrowers with is capped at a maximum APR of 36% (inclusive of interest, all costs, and all fees including any CAB fee) with a minimum repayment period of 61 days. We do not work with payday lenders or any provider offering high-cost, short-term consumer credit. Submitting an application does not guarantee approval, an offer, or funding. State-by-state availability may vary. Please review the loan agreement and disclosures in full before signing.