Who We Help
Too many Americans are living without savings or access to credit.
60 million U.S. adults lack access to traditional credit◊
64% of U.S. consumers live paycheck to paycheck§
44% of U.S. adults have savings to cover a $1,000 unplanned expense‡
Americans need access to credit.
of American families experience financial emergencies a few times a year.*
of U.S. adults don't have savings to cover a $1,000 unplanned expense.‡
Who is locked out from traditional credit?
have been denied a line of credit or bank product.*
have been denied a personal loan in the past year.*
What do you do when you don’t have enough money?
Consumers in their own words.*
How TheLending helps
The TheLending TurnUp Program
The TheLending TurnUp referral program helps credit-challenged consumers find more affordable small-dollar loan options even if it isn't with us.
For customers who opt-in, we check the market voluntarily on behalf of applicants with approximately 15 near-prime lenders before presenting options through TheLending' platform.
We are committed to helping the tens of millions of middle-income consumers who are turned away by traditional providers build their credit history and embark on a better financial path.
TheLending empowers everyday consumers to rebuild financial health through facilitating credit access, enabling savings, and building wealth
Sources
◊ Hamdani, Kausar, et al. “UNEQUAL ACCESS TO CREDIT The Hidden Impact of Credit Constraints.” NewYorkFed.org, 2019
§ LendingClub Corporation. "New Reality Check: The Paycheck-To-Paycheck Report: The Credit Edition.“ PYMNTS.com, May 2, 2022
‡ Bennett, Karen. “Survey: Less than half of Americans have savings to cover a $1,000 surprise expense.” Bankrate.com, January 19, 2022
* Proprietary TheLending AAU Survey. Nov. 8, 2019. Survey of 1,000 customers.
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