Your LendYou Checklist

Before you use LendYou or any loan matching service, go through this checklist:

Before You Apply:

• Have I checked if LendYou has a physical address? [ ] YES / NO
• Do I know who the parent company (Zero Parallel, LLC) is? [ ] YES / NO
• Have I asked for a list of lending partners? [ ] YES / NO
• Do I understand that LendYou is a middleman, not a lender? [ ] YES / NO

Data Protection Checklist:

• Have I checked what permissions LendYou has on my phone? [ ] YES / NO
• Have I revoked contacts, photos, and location access? [ ] YES / NO
• If the app required those permissions, did I delete it? [ ] YES / NO

Before Accepting a Loan Offer:

• Have I researched the specific lender offering the loan? [ ] YES / NO
• Have I asked about credit reporting policies? [ ] YES / NO
• Have I calculated the APR including all fees? [ ] YES / NO
• Have I read the entire loan agreement? [ ] YES / NO
• Do I understand what happens if I am late? [ ] YES / NO

Red Flags That Mean STAY AWAY:

• The app asks for contacts or photos access
• No physical address is provided
• The parent company information is hidden
• They cannot name their lending partners
• Payday loan terms with interest over 100% APR
• No clear information about credit reporting

Better Alternatives to Consider First:

• Credit union loans (much lower interest)
• Employer salary advance (often 0% interest)
• Family or friends (relationship risk, but 0% interest)
• Selling unused items (one-time pain vs. long-term debt)
• Payment plans with existing creditors

Your rights as a borrower will always protect you more than any app's promises. Know your rights. Protect your data. And never give a loan app access to your contacts.