Built By Startups,
For Startups

We work with early stage tech companies like credit monitoring apps, accounting software's, P2P loan marketplaces, e-commerce, & more with at least 400 active end users.

Do you want to be the lender on record?

We can get you set up properly out of the gate with an investment of up to $100k for credit issuing and even assist your business in getting the CA lenders license while still maintaining compliance and servicing for you, it's never been so easy!

Sign up and enjoy instant access to KAPED’s widget collection.
Are you a financial institution looking to enrich your balance sheet?
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No upfront investment.
Affordable costs.


Track your custom builds, restore previous versions & document it all on our dashboard.
Free & open source
Never waste time or money again building the perfect fintech product.



Simple, secure & open
Secure & Compliant
We use above industry security standards to stay PCI and SOC2 compliant.
We got you covered
Both Mastercard and Visa cards are supported to give you what you need.
Custom Experience
Customize your card look, add rewards, and even set your own fees.

Embedded Credit Cards for App Developers

No more barriers! simply embed our library of SDKs and APIs into your mobile or web application to offer credit cards to your end users.

We are in private alpha and accepting new users on a rolling basis.



How it Works


Since 2009, we've helped 180 thousand people achieve greater financial wellness, and that number is growing.

Privacy Policy
3.77% - 8.03% average historical returns for loan grades A through E originated from January 2010 through March 2017. Because the likelihood of a loan charging off increases over time, historical returns include only those loans that were issued 18 months or more before the last day of the most recently completed quarter. The range in returns represents 10th and 90th percentile performance as illustrated here, for the period January 2010 through September 2018. The return is weighted based on platform issuance by grade. Historical Returns are Lendy's adjusted net annualized returns ("ANAR"). ANAR is calculated using the formula described here.
Checking your rate generates a soft credit inquiry, which is visible only to you. A hard credit inquiry that may affect your credit score only appears when your loan is issued.