E-Consent
Important Information – Please Read Carefully and Retain for Future Reference
Introduction
Welcome to LendXpress. Before proceeding with your request to be connected with our network of lenders or lending partners, it is necessary to obtain your E-Consent. This consent permits the use of electronic signatures, records, and disclosures throughout your transaction. By clicking the link to agree to these terms, you acknowledge and accept this E-Consent, allowing transactions and communications to be conducted electronically.
Option for Paper or Non-Electronic Records
You have the right to request Disclosures in a paper format. To do so, you must contact the respective lender or lending partner directly. Paper records will be provided at no charge, and lenders and lending partners will retain all records as required by applicable law.
For assistance, you may contact LendXpress at: info@lendexpress.net
Scope of Consent
This E-Consent applies to all online interactions with LendXpress and its third-party lenders or lending partners. It encompasses interactions conducted via computers, smartphones, tablets, or other electronic devices. By accepting this E-Consent, you agree that LendXpress and its partners may process your information electronically and may send electronic notices regarding transactions and services.
Consenting to Do Business Electronically
Before agreeing to conduct business electronically, it is your responsibility to ensure that you have the necessary hardware and software capabilities as described below.
Hardware and Software Requirements
To access, receive, and retain electronic Disclosures, you will need:
- A PC, MAC, or mobile device with internet access
- A valid email account
- An internet browser that supports 128-bit encryption (e.g., Google Chrome, Mozilla Firefox, Safari, Microsoft Edge)
- Adobe Acrobat Reader® or Foxit® to view PDF files
- A printer or secure digital storage device to retain copies of electronic Disclosures
For any inquiries regarding these requirements, contact LendXpress at: info@lendexpress.net
Withdrawing Consent
This E-Consent applies to a one-time transaction for the purposes of using the LendXpress service. If you are connected with a lender or lending partner, you may withdraw your E-Consent at any time without charge by contacting the lender or lending partner directly. However, withdrawing E-Consent prior to receiving credit may impact your ability to obtain a loan.
Withdrawal of consent will not affect the validity or enforceability of prior electronic interactions.
Change to Your Contact Information
It is your responsibility to ensure that your electronic and mailing address is kept up to date with your lender or lending partner. Updates may be made through the respective lender’s website or by submitting a written request by mail.
Accessing Disclosures
By clicking the agreement link, you confirm that you are able to access the Disclosures in the formats described above.
Consent
By clicking the agreement link, you:
- Acknowledge that you have read and understand this E-Consent
- Agree to conduct business electronically using electronic signatures and records
- Consent to receive all required Disclosures electronically
- Understand that you may request a paper copy of electronic records at no charge
- Understand that if you decline to proceed, you do not wish to use electronic signatures or conduct this transaction electronically
For any questions or concerns, contact LendXpress at: info@lendexpress.net
Important Notices
Service Disclaimer
LendXpress serves as a referral platform and does not operate as a lender or loan broker. LendXpress does not offer or extend credit, make loan offers, or participate in direct lending activities. The primary function of LendXpress is to facilitate connections between borrowers and a network of **third-party lenders or lending partners.
By submitting a request on this website, you consent to be matched with one or more lenders or lending partners. These third parties may review your information and conduct credit checks, including accessing reports from major credit bureaus, to assess creditworthiness.
- LendXpress does not guarantee loan approval
- LendXpress does not determine or control loan terms, including interest rates, fees, and repayment schedules
- LendXpress does not endorse or recommend any specific lender or financial service provider
Availability of services is subject to state regulations, and LendXpress does not guarantee the availability of loan products in all jurisdictions. Participating states may change at any time without notice.
Disclosure of Terms by Lender or Lending Partner
LendXpress does not participate in the negotiation or determination of loan terms. Each lender or lending partner operates independently and sets its own loan terms and conditions, including:
- Interest rates
- Loan fees
- Repayment terms
- Loan qualification requirements
It is the borrower’s responsibility to review the full terms and conditions of any loan offer before entering into an agreement.
Impact of Late Payments on Credit Score
Failure to make timely loan payments may negatively impact credit scores and creditworthiness. Late or missed payments may be reported to credit bureaus, which could have long-term consequences on future credit opportunities.
If you anticipate difficulty in making payments, it is strongly advised that you contact your lender as soon as possible to discuss available options.
Final Agreement
By using this website and its services, you acknowledge and agree to the following:
- LendXpress is not responsible for lender decisions, loan terms, or credit determinations.
- All interactions with lenders or lending partners are governed by their respective terms and conditions.
- You are responsible for reviewing and understanding all loan agreements before acceptance.
For inquiries regarding this E-Consent or any related policies, contact LendXpress at: info@lendexpress.net
BY CLICKING THE AGREEMENT LINK, YOU CONSENT TO THESE TERMS AND AGREE TO CONDUCT BUSINESS ELECTRONICALLY WITH LENDXPRESS MARKETPLACE PARTICIPANTS.
