Frequently Asked Questions

  • Who is Constructive Lending?

    Constructive Lending is a company that facilitates customers’ access to personal loans. The loans are made to those clients who are part of a pre-approved network of general contractors and home renovation, repair, and construction specialists.

  • What are the types of loans?

    There is a variety of loans products with competitive rates, low monthly payments, and terms up to 120 months based on qualification. Some loans come with same-as-cash terms up to 18 months.

  • Why should I offer this to my clients?

    Our lenders approve more applications than others and have some of the most competitive pricing in the industry. For Dealers with high-volume businesses, we can help keep your crew working.

  • How long does it take to get funding?

    Once all the documentation is approved, funds are typically disbursed in 24 to 48 hours.

  • Where do the funds go?

    The funds go directly to the Dealer.

  • Will this affect my credit score?

    No. Only the credit score of the borrower will be reviewed.

  • What information does the customer need to apply?

    Your client can use the standard application on our website, which can be submitted online using E-signature. Your clients can also apply by mail, fax, or over the phone by calling 844-940-1001.

  • I want to talk to a person. How do I do that?

    Call 844-940-1001 Monday – Friday 8 AM – 9 PM Central, and Saturday 9 AM – 5 PM Central.