Lenme: Investing and Borrowing vs Clair Usage & Stats

Lenme app is the perfect tool helping in all connections between borrowers and investors. Get all the loans you need in minutes with total ease! We even allow users to continually increase their loan limit eligibility while requesting loans through the app until you are eligible for loans that can reach up to $5,000! And if you have an interest to invest in lending. Lenme is your perfect gate to earn some cash and generate very good passive income. With returns that can reach up to 40%! Benefits you can get for as low as $1.99 a month: - No credit score required, debt-to-income ratio, or paperwork hassle. - Creating your borrower profile and requesting a loan won’t take more than 10 mins! - Thousands of Investors will compete to offer the best rates and you will have the power to choose. - Get funds transferred to your bank account as quickly as the same day - With the new Balance Guard Feature you can now avoid any overdraft fees by and keep your balance safe from falling below a certain limit. Lenme has the perfect investing platform! - Diversify portfolio in a market with low volatility. - Easily select investments that suit the level of risk you’re comfortable with. - Enjoy withdrawing your earnings at no cost. - Investment assistance with Lenme predict service. - Invest in almost risk-free loans backed by Crypto as Collateral. - Lenme Predict technology will help you get a better analysis of Borrower's profiles and earn more money while investing wisely. Lenme has a new loan just for you - borrow up to $10,000 using your Crypto-Wallet as collateral. That's right! Borrowers Owning crypto can now connect their wallet to the app and request bigger limit loans. Investors can now earn up to $1,700 when funding Crypto-Backed Loans! Lenme is also offering what is beyond Lending and borrowing, Amazing Features: - Receiving up to $40 when you refer a friend to use Lenme - Saving money through our marketplace offering amazing discounts & offers on other brands you use on a daily basis. Lenme is a lending platform that connects people looking to borrow money with financial institutions, lending businesses, and individual investors looking to invest in the loan market. Users remain completely anonymous throughout the entire borrowing/lending process. For transparency and to encourage a fair and competitive market, the “feed” tab within the app allows users to see which loans are being funded and at what interest rate. Lenme offers a monthly/annual subscription through Apple Pay. LenmePredict, our machine learning algorithm, is a standalone product offered for lenders through Apple Pay for purchase either per-use or monthly/annual subscription. Subscriptions will automatically renew unless canceled within 24 hours before the end of the subscription period. You can cancel anytime via your iTunes account. Crypto-backed loans, our new product allows investors to fund cash loans backed by cryptocurrency owned by the borrower. Cryptocurrencies are used as collateral and maybe liquidated in case of default or sudden price drop of the held currency. Since our app is not directly involved in the lending decision, we cannot guarantee the interest rate borrowers will be offered. All borrowers have the option to request a loan on our platform for up to a 12-month repayment period, paid in installments. Lenders can offer loans for a minimum of 3% APR based on the credit score and their own criteria. The lending decision is based on multiple factors viewable on our app, including credit, income, and cash flow analysis. A representative example of the total cost of the loan, including all applicable fees: If you borrow $1,000 over a term of 1 year with an APR of 12% and an origination fee of 1%, you will pay $89.75 per month. The total amount payable will be $1,076.96, with a total interest and fees of $76.96. For more information, see our Terms of Use and Privacy Policy. https://lenme.com/privacy-policy/ https://lenme.com/term-of-use/

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Clair

We've temporarily paused Clair onboarding as we work on updates to the mobile app. New user access will be unavailable until 2025. We apologize for the inconvenience and can't wait to bring you fresh features soon! Clair is a banking app that gives you access to a portion of your earnings before payday. When you open a Clair Spending Account, held at Pathward® N.A, Member FDIC, you'll enjoy on-demand pay with access to fee-free wage advances, an FDIC-insured* Spending and Savings account with no monthly fees, and a Clair Debit Mastercard® to spend your earnings. Here's what you'll love about Clair: - Quick and easy access: Open a Clair Spending Account and take your first wage advance in the Clair mobile app after setting up a repayment method. - Freedom and control: You decide how much to advance from your next paycheck, up to a pre-approved amount determined by Clair** on an individual user-basis. - Access all the banking services you need: Get access to 40,000 fee-free AllPoint ATMs†, a virtual and physical debit card, Apple Pay™ and Google Pay, savings reminders, and much more! Learn more about Clair at getclair.com. Note: Clair is only available to select businesses. Check with your work app, time clock, or employer for an invite before getting started. Clair is a financial technology company, not a bank. Clair Spending is a demand deposit account established by, and the Clair Debit Card is issued by, Pathward, N.A., Member FDIC. Mastercard® and the circles design are registered trademarks of Mastercard International Incorporated. Clair Savings Account is established by Pathward, N.A., Member FDIC. Advances provided by Pathward, N.A. While wage advances are free, certain other fees may apply depending on how users use their account. Standard data charges may apply when using the Clair app. * Funds are FDIC insured, subject to applicable limitations and restrictions, when Pathward, N.A. receives the funds deposited to your account. ** Your advance rate will depend on your individual circumstances. Limits are subject to change. † The Clair Debit Mastercard can be used for no-fee withdrawals at U.S. ATMs in the Allpoint network. Fees may apply for international ATM transactions or transactions outside of this network. Banking Services provided by Pathward, N.A., Member FDIC. ‡ The Clair Savings Account is established by Pathward, N.A., Member FDIC. Interest is calculated on the Daily Balance of the Savings Account and is paid monthly. The interest rate paid on the entire balance will be 1.98% with an annual percentage yield (APY) of 2%. The interest rate and APY may change. The APY was accurate as of 11/04/22. No minimum balance necessary to open the Savings Account or obtain the yield. You must have or obtain a Spending Account in order to obtain and open a Savings Account, and you must be the primary accountholder of your Spending Account. Savings Account funds are withdrawn through the Spending Account, and transaction fees could reduce the interest earned on the Savings Account. Funds on deposit are FDIC-insured through Pathward, N.A., Member FDIC. For purposes of FDIC coverage limit, all funds held on deposit by the accountholder at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.