Loan Terms

1. About TJ LENDING

TJ LENDING LLC ("TJ LENDING", "we", "our", "us") is a Texas-organized limited liability company headquartered in Houston, Texas. We operate a technology platform that connects consumers with our partner lender. We are not the lender. We do not make credit decisions, issue loans, or determine APR, fees, or repayment terms — those are set by our partner lender.

2. Licensing and supervision

TJ LENDING is licensed and regulated in the State of Texas:

• Texas Credit Access Business License: #1400050303-154299 — issued by the Texas Office of Consumer Credit Commissioner (OCCC) under Chapter 393 of the Texas Finance Code.
• Nationwide Multistate Licensing System (NMLS) ID: 319848.

You can verify our licensure through the Texas OCCC at occc.texas.gov and through NMLS Consumer Access at nmlsconsumeraccess.org.

3. Our partner lender commitments

The partner lender we connect borrowers with offers loans that meet all of the following criteria:

• Maximum APR of 36%, calculated to include interest plus all costs and fees associated with the loan (including any CAB fee charged by us);
• Minimum repayment period of 61 days — no loan we connect borrowers with may require repayment in full within 60 days or less;
• No payday lending or short-term high-cost consumer credit products of any kind;
• Compliance with applicable federal and Texas law.

4. Loan amounts and repayment terms

Loan amounts available through our application typically range as follows:

• $250 – $500
• $500 – $1,000
• $1,000 – $2,500
• $2,500 and above (subject to lender underwriting and applicable Texas regulatory limits)

Repayment terms typically range from 3 to 24 months, with a minimum of 61 days. The specific amount and term you may be offered depend on your credit profile, verifiable income, the lender's underwriting, and applicable Texas regulatory limits.

5. APR, lender fees, and CAB fee

The Annual Percentage Rate (APR) on any loan offered through our platform is set by our partner lender and capped at 36% inclusive of all costs and fees. This all-in cap includes:

• Interest charged by the lender
• Any origination, administrative, or other lender fees
• Any CAB fee charged by TJ LENDING for arranging and guaranteeing the loan

Typical APRs fall within the range of 5.99% to 35.99%. Your specific APR is determined by the lender's credit assessment and is disclosed in your loan agreement before you sign.

6. Representative example

The following is a representative example for illustration only. It is not an offer of credit, and your actual terms may differ.

• Loan amount: $1,000
• Term: 6 months
• APR: 30% (all-in)
• Estimated monthly payment: ~$179.17
• Total estimated repayment: ~$1,075

All applicable interest, lender fees, and any CAB fee are included within the 36% all-in APR cap and are itemized in your loan agreement.

7. Application and approval

Approval is determined by our partner lender, not by TJ LENDING. Approval is never guaranteed. The lender may request additional verification, may decline to extend an offer, or may present terms that differ from what you initially requested.

If approved, the lender's loan agreement and disclosures will be presented to you before you sign. Funding timelines are determined by the lender and the funding mechanism (typically ACH bank transfer).

8. State availability

Loan products available through our platform may not be offered in every state. State-by-state availability depends on our and the lender's licensing and applicable consumer-credit law. If no offer is available in your state, your application may not result in a presented offer.

9. Your right to refuse any offer

You are under no obligation to accept any offer presented to you. Reviewing an offer is free, and you may decline at any point before signing the lender's loan agreement. If you have any concerns about the terms of an offer, do not sign — and please contact us if you would like assistance understanding what was presented.

10. How your information is used

Information you submit through our platform is shared with our partner lender for the limited purpose of evaluating your request and presenting potential offers. For full details on what information we collect, how we use it, and how you can exercise your data rights, please review our Privacy Policy.

11. Changes to these terms

We may update these Loan Terms from time to time to reflect changes in our partner-lender arrangements, our policies, or applicable law. The "Last updated" date at the top of this page indicates when the most recent change took effect. Continued use of our platform after an update constitutes acceptance of the updated Loan Terms.

12. Contact

Questions about these Loan Terms or the application flow? Contact us at:

TJ LENDING LLC
4219 Great Bear Pl, Houston, TX 77084-7878, United States
NMLS #319848 · Texas CAB License #1400050303-154299
Email: seo@lending-tj.com
Phone: 1 (917) 652-6792

For questions about your specific loan — APR, fees, repayment schedule, or payoff — please refer to your loan agreement, which identifies the lender and includes the lender's contact information.