Your rights as a LendX borrower.
We believe borrowers deserve transparency, fair treatment, and full regulatory protection. These are the rights you have when you borrow with LendX.
Full Written Disclosure
You receive complete written disclosure of all rates, fees, and terms before signing any loan agreement. No surprises.
Soft Credit Inquiries
Credit checks at the application stage are soft and do not impact your score. A hard inquiry only happens with your explicit written consent.
Right to Cancel
Payday loans in Ontario and participating provinces include a statutory cooling-off period. You have the right to cancel within the timeframe set by provincial law.
No Hidden Fees
All costs are disclosed up front. The maximum cost of borrowing is capped by provincial regulation in every province where we operate.
Privacy Protection
Your personal information is collected, used, and disclosed in accordance with Canada's PIPEDA. We never sell your data.
Complaint Resolution
If you have a concern, you can contact us at any time. We follow a documented complaint resolution process and escalate to the appropriate regulator when needed.