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Everyone

Lendsbay LLC

Nougat

An application where borrowers and investors meet on favorable terms
LendsBay is a new platform for mutual lending, where investors and borrowers meet on mutually beneficial terms. You can not only place an application for a loan and receive funds without unnecessary bureaucracy, but also invest in projects hosted on the site at a favorable interest rate.
All transactions go through a nominal account, which ensures safety for all users of the site.
Also in the application, you can keep all your loans, debts or any expenses in one place, set up reminders and track all your payments. If you often borrow from friends or acquaintances, you can use the free execution of a legal agreement to secure the terms of the loan.
With LendsBay you can:
- Leave an application for receiving funds for various purposes;
-Invest in applications on the site on favorable terms;
- Confirm your credit rating;
-Quickly and easily write down a debt or create a new debt (fix the conditions) online with confirmation from the other party from your notebook;
- Set up a system of reminders about the repayment of debt, which will avoid embarrassing situations arising from a personal reminder and will help to avoid the accrual of extra interest;
- Draw up legal documents that simplify collection and motivate compliance with the terms of the contract;
- Optionally - assign an interest rate and other conditions.
General loan conditions:
Loan terms from 61 to 365 days
Maximum interest rate - 1210% per year
Application reward is up to 4% of the amount on hand
An example of calculating the total cost of a loan:
The requested amount on hand is 100,000 rubles.
Term - 6 months.
The rate in the contract is 27%.
The remuneration of Landsbay LLC is 4% of the requested amount, i.e. 4000 rubles.
The amount in the loan agreement is 104,000 rubles (after signing the agreement, 100,000 rubles are sent to the borrower, and 4,000 rubles in the form of remuneration to LLC Landsbay)
The total cost of the loan (PSK) - 41.7% per annum (calculated taking into account the remuneration of Landsbay LLC)
Loan details:
Amount on hand to the Borrower - 100,000 rubles
The amount in the loan agreement - 104,000 rubles
The amount of accrued interest - 8 344 rubles
Landsbay LLC remuneration - 4000 rubles
Overpayment of the Borrower, taking into account the remuneration of LLC Landsbay - 12 344 rubles
Monthly payment - 18,274 rubles
The total amount to be returned is 112 344 rubles
The penalty for late payment is 1% per day of the amount in the loan agreement, added to the rate in the agreement. For this example, it is - 1,117 rubles per day.
Privacy policy https://lendsbay.com/privacy_policy
And it is important - the application is protected by a password, TouchID or FaceID. We also have no ads!
Landsbay LLC does not issue loans online and is not an MFI. The application is an aggregator and does not require a license to conduct such activities.

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