FAQ

Capital Lendings LLC is a Florida corporation offering personal unsecured loans entirely through the internet and electronic banking system.  We are NOT a bank or a financial institution, we are a direct finance lender.  This allows us to make quick credit approval decisions and immediately fund your loan.

Capital Lendings LLC offers personal loans that have fixed monthly payments and are NOT secured by personal property or collateral like a home or car.
Your first payment will be due approximately 15-45 days after you receive your money. Payments are due on the same day each month.* There are NO hidden fees or "Balloon Payments." 

Yes, our website is set up and maintained to ensure our customers' information is secure. Our website is secured with RapidSSL Web Server Certificate. Transactions on our website are protected with up to 128-bit Secure Sockets Layer encryption. This is the same level of security that banks and credit union's use for their online banking transactions. If you are still unsure about the security of doing business with Capital Lendings LLC online, feel free to call one of our representatives between 9:00 AM and 5:00 PM Pacific Time.  

Secure Sockets Layer (SSL) is a protocol for enabling data encryption on the intranet and for helping web site users confirm the owner of the web site. SSL is most commonly used to protect communications between web browsers and servers. However it is increasingly used for server to server communications and for web-based applications.

Encryption is a mathematical process of coding and decoding information. The number of bits (40-bit, 56-bit, 128-bit, 256-bit) tells you the size of the key. Like a longer password, a larger key has more possible combinations. When an encrypted session is established, the encryption level is determined by the capability of the web browser, SSL certificate, web server, and client computer operating system.

Capital Lendings LLC offers unsecured loans of $2600, $3575 and $5075. See our Loan Products page for amounts and terms offered. 

Yes. We check your credit with one of the three major credit reporting agencies. However, your credit score is not the only determining factor for loan approval.

Go to AnnualCreditReport.com and request a FREE Credit Report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

Nothing -- our online application is FREE. You will not be charged an application fee for filling out the online application. If your loan application is approved, there will be certain finance charges imposed in connection with your loan, which will be disclosed to you before you sign your promissory note. 

• are at least 18 years old
• have a Social Security Number
• verifiable source of income
• have a valid US checking account
• are a resident of the United States
• are not serving in the Military
• have an e-mail account registered in your name

Unfortunately, we cannot offer any of our loans to people currently serving in the Military. A federal law title 32 CFR Part 232 prohibits us from making loans to Military personnel.

• Just complete the online application CLICK HERE:   https://capitallendingsllc.com/application.html 
• Call us at +1 (407) 505-6433
  and one of our friendly loan advisors will pre-qualify your application.

Our loan processing hours are Monday through Friday, from 9:00 AM to 5:00 PM.  We accept applications 24 hours a day, 7 days a week, online at www.capitallendingsllc.com Any application not submitted during loan processing hours will be processed at the beginning of the next business day. We are closed on all banking holidays.

In most cases you will need:

• a copy of your driver's license
• a voided check from your active checking account

and may also be asked to supply us with:

• a W-2 form
• a payroll stub
• a bank account statement
• a utility bill

*Self-employed applicants may also need to supply us with certain tax documents and bank statements.

Yes. Capital Lendings LLC is licensed in the State of Florida through the Department of Business Oversight (DBO) with Finance Lender's NMLS #1200373

We will ask you to FAX in (or scan and e-mail) a copy of your driver's license and a voided check. Once we receive ALL of your requested documents and they have been verified by our Loan Processing Department, a representative will contact you via telephone (usually within 15 minutes) to answer any questions you may have regarding the terms and conditions of your loan.  You will then have an opportunity to review the payment terms and make a decision whether to accept or reject the loan offer. If you decide to accept our offer, the representative will also request a convenient billing cycle for your loan which will reflect on the Promissory Note as your loan payment due date. You will then receive an email from our office with a link to our document server, by clicking the link you will navigate to our Electronic Signing Room, so that you can review and electronically sign your Promissory Note.

An electronic signature is defined as an electronic symbol or process, attached to or logically associated with a record, and executed or adopted by a person with the intent to sign the record.  On June 30, 2000, President Clinton signed into law the Electronic Signatures in Global and National Commerce Act ("ESIGN"), which made signed electronic contracts and documents as legally binding as a paper-based contract.   This electronic signature technology has allowed Capital Lendings LLC to offer their customers the ability to sign their loans quickly and conveniently through the internet.

You will receive an email from our office with a link to our document server, by clicking the link (or by copying and pasting the link into your browser) you will navigate to our Electronic Signing Room, so that you can review and electronically sign your Promissory Note.  You will first see a “Welcome to our Electronic Signing Room” screen, on the screen you will see a light green button, “Click here to review and sign”, click the button and you will then navigate to your “Promissory Note and Disclosure Statement”.  PLEASE CAREFULLY READ AND REVIEW THE TERMS AND CONDITIONS OF THIS LOAN.  At this point you may still reject the loan offer by clicking the “Exit” button in the upper right hand corner of the screen.  If you wish to accept the loan offer scroll down to “Page 3” and place your cursor into the “Initial” boxes (3) and type your initials as requested.  Then place the cursor on the “Sign Here” boxes (2) and type your full legal name.  At the bottom of the page there is a “SIGN HERE” box that is requesting your “Name:”, again, place your curser in the “Name:” field and type your full legal name.  Finally, at the very bottom of your browser window above the task bar there is a gray footer entitled, “FINISH HERE”, click on the “Consumer Disclosure” link and review, then if you agree with the “Consumer Disclosure” click the box with your mouse next to the following, “I am applying a legally binding e-signature in my name to this document and have read the Consumer Disclosure.”, lastly, click the “Sign Electronically” button.  You will then see a quick processing screen and a “Thank you for signing.” message, and you can print out a copy of your signed document for your records.  You will also receive an e-mail with an attached PDF copy of your electronically signed Promissory Note.

If your Promissory Note is e-signed before 1:15 PM PST, on any normal business day you will be funded usually within an hour.  If your Promissory Note is e-signed after 1:15 PM PST, but before 4:45 PM PST, you will be funded in the AM of the following banking day.

Our interest rates are located on our Loan Products page.

Typically, payments are withdrawn electronically from your checking account on your due date.  We also accept payments through any Moneygram Express Payment outlet.  Find a Moneygram Express Payment outlet near you by clicking the following link: MoneyGram Agent Locator - USA

Contatct support for more details.

Never, we encourage you to pay off your loan as soon as possible.  You may pay any additional amount at anytime or pay off the entire loan at anytime with no penalty to you.  You will only be responsible for the portion of interest for the time that your balance is outstanding.  

*By making an extra $50.00 payment/month on our $2600 loan, you will shorten your loan term to 19 months and save thousands in interest.

You may e-mail us at
with any questions at any time. You can call Capital Lendings LLC' customer service department at +1 (407) 505-6433
fromMonday through Friday, from 9:00 AM to 5:00 PM Pacific Time.

There are several things you can do to protect your account information:

• Never reveal user name or password to anyone.
• Always log off of the web site and close your browser before leaving your computer for an extended period of time.
• Always log off of the web site before accessing other web sites. We also recommend closing and opening a new browser window before accessing other web sites.

Capital LLC will NEVER ask you for private financial information by sending you an e-mail. If you receive an e-mail that appears to be from Capital Lendings LLC asking for personal information of any kind, please DO NOT respond. Instead, forward the e-mail to [email protected]
so we can take appropriate measures to protect our borrowers.

Finally, NEVER click on e-mail links that request personal information. Do not click on a link embedded within any potentially suspicious e-mail, especially if the e-mail requests personal information. Instead, try starting a new internet session with your browser, typing the web address of the link into the address bar, and pressing 'Enter' to be sure you are directed to a legitimate website.

You can request a pay-off balance or current loan balance by contactqcting us via phone:+1 (407) 505-6433
, OR email:  [email protected]

NO, we do NOT offer payday or cash advance type loans.  We offer unsecured personal or installment loans.  Our loans range from $4,000 to $10,000,000 and payments are automatically debited from your checking account on a monthly basis.  Our loans are less expensive than payday or cash advances and you have more time to pay back the loan.  

Unfortunately, we do not accept co-signers on our loans.  All our loans are based on the individual borrower's credit history.

If you receive this error message check and verify that you entered your email in the proper format (ie. [email protected]) and also that both the email and email (confirmation) fields match.

We understand that sometimes you may need alittle more time to make a payment.  That is why we offer you the ability to delay your payment of up to 9 days at NO extra cost to you.  If you need even more time a payment may be postponed for the following fee(s): $10.00 for more than 10 days, if a payment is more than 15 days late a $15.00 fee will be charged.  In most cases this will NOT result in a derogatory item on your credit report.  To postpone your payment date just email us at : [email protected]
or contact us at+1 (407) 505-6433
.