LENDING DISCLOSURES

SIMPL. LOANS, LLC offers consumer loans in Texas and is subject to applicable federal law and the Texas Finance Code.

SIMPL. LOANS offers signature and small-dollar consumer loans under Texas Finance Code Chapter 342, Subchapter F, subject to applicable licensing and regulatory requirements administered by the Texas Office of Consumer Credit Commissioner (OCCC).

OCCC License No.: [TO BE ADDED ONCE ISSUED/CONFIRMED]

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SIMPL. LOANS currently offers signature loans generally ranging from $100 to $1,840. Loans are repaid in monthly installments.

Loan availability, amount, terms, and approval are subject to applicable law, underwriting criteria, verification requirements, and individual credit evaluation. Not every applicant will qualify.

Submitting an application does not guarantee approval or funding.

Each application is individually evaluated using information that may include income, employment, credit history and/or credit score, residence history, existing financial obligations, budget and ability to repay, information supplied by the applicant, information obtained from consumer reporting agencies, and other factors permitted by applicable law.

SIMPL. LOANS may require additional documentation or verification before making a credit decision.

Interest, charges, payment amounts, number of payments, amount financed, annual percentage rate ("APR"), finance charge, and other terms depend upon the particular loan transaction and applicable law.

Applicants who are approved will receive the disclosures required by applicable federal and Texas law before becoming obligated on a loan.

The website should not advertise specific rates, APRs, finance charges, or payment amounts at this time.

Information on this website describes SIMPL. LOANS' products generally and does not constitute an offer or guarantee of any particular credit terms. Any specific credit terms advertised in the future will be subject to applicable disclosure requirements.

Applications may be initiated online, by telephone, or in person. Additional documentation or verification may be required.

New loans are closed in person

Availability of renewal, former-customer, remote, or other transaction options depends upon eligibility, applicable procedures, and applicable law.

Depending upon the transaction and availability, approved loans may be funded through methods that may include cash, check, or eligible electronic/debit-card funding. Availability and timing of a particular funding method are not guaranteed.

SIMPL. LOANS conducts lending activities in accordance with applicable federal and Texas fair-lending laws and does not discriminate against applicants on a prohibited basis.

This website provides general information only. The actual terms of any loan are contained in the disclosures and loan agreement provided to the borrower. Website descriptions do not modify, replace, or supersede an executed loan agreement.