{
  "$schema": "https://schema.org",
  "generatedAt": "2026-07-28T04:31:34.770Z",
  "organization": {
    "name": "The Lending Group",
    "alternateName": "The Lending Group",
    "url": "https://thelending.group/",
    "logo": "https://thelending.group/og-image.jpg",
    "foundingDate": "2018",
    "originator": "Not a direct lender — lending marketplace connecting borrowers to a network of lenders and lending partners.",
    "slogan": "The loan you'd recommend to your best friend."
  },
  "product": {
    "type": "Unsecured fixed-rate personal loan",
    "loanAmount": {
      "min": 2000,
      "max": 50000,
      "currency": "USD"
    },
    "apr": {
      "min": 6.99,
      "max": 24.99,
      "unit": "PERCENT",
      "fixed": true
    },
    "termMonths": [
      24,
      36,
      48,
      60,
      72,
      84
    ],
    "minimumCreditScore": 580,
    "fees": {
      "origination": 0,
      "prepayment": 0,
      "late": 0,
      "annual": 0,
      "note": "No fees of any kind."
    },
    "fundingSpeed": "As soon as the next business day after signing.",
    "rateCheck": {
      "method": "Soft credit pull",
      "creditImpact": "None",
      "timeToCompleteMinutes": 2
    }
  },
  "availability": {
    "countries": [
      "US"
    ],
    "statesServed": 50,
    "includesDC": true
  },
  "useCases": [
    "Debt consolidation",
    "Home improvement",
    "Medical expenses",
    "Auto purchase or repair",
    "Moving and relocation",
    "Weddings and life events",
    "Vacation",
    "Small business"
  ],
  "ineligibleUses": [
    "Post-secondary education",
    "Investments",
    "Illegal activities"
  ],
  "faq": [
    {
      "question": "Does checking my rate hurt my credit score?",
      "answer": "No. The Lending Group and our lending partners qualify you with a soft credit pull only — zero score impact and no hard inquiry to qualify. A hard pull, if any, is done only by the specific funding lender you choose at closing."
    },
    {
      "question": "What credit score is required?",
      "answer": "A minimum FICO score of 580. Final rate depends on credit, income, and debt-to-income ratio."
    },
    {
      "question": "How fast is funding?",
      "answer": "Most approved borrowers receive funds in their bank account the next business day after signing."
    },
    {
      "question": "Are there any fees?",
      "answer": "None. No origination, prepayment, late, or annual fees."
    },
    {
      "question": "Can I pay off the loan early?",
      "answer": "Yes, with no prepayment penalty."
    }
  ],
  "pages": {
    "home": "https://thelending.group/",
    "loans": "https://thelending.group/loans",
    "rates": "https://thelending.group/rates",
    "faq": "https://thelending.group/faq",
    "about": "https://thelending.group/about",
    "apply": "https://thelending.group/apply",
    "sitemap": "https://thelending.group/sitemap.xml",
    "llms": "https://thelending.group/llms.txt",
    "keyFacts": "https://thelending.group/api/key-facts",
    "schema": "https://thelending.group/api/key-facts/schema"
  }
}