RNPL Website Disclosures
Effective Date: September, 26, 2025
Last Updated: September 26, 2025
Introduction
Welcome to the official website for Rent Now Pay Later LLC (“RNPL”). RNPL is a financial technology company offering unsecured consumer loans (either directly or with a bank partner) to help cover rental move-in costs (such as deposits) and emergency rent payments or other urgent housing expenses.
Our mission is to serve underbanked populations in urban markets by providing fair, transparent, and accessible credit options.
By accessing or using this website, you agree to comply with the disclosures set forth here, our [Terms and Conditions of Use], and our [Privacy Policy].
General Disclosures
Jurisdiction
RNPL’s products are intended only for residents of Florida where RNPL is authorized to operate. If you live outside of those states, the products described on this site are not available to you at this time.
Availability
Not all products and services are available in every state, and approval is subject to creditworthiness and eligibility requirements.
Information Accuracy
We make every effort to provide accurate and current information, but we cannot guarantee that all content on this website is free from errors. All information is for general informational purposes and should not be treated as legal, tax, or financial advice.
Third-Party Links
This site may contain links to third-party websites. These links are provided for your convenience, but RNPL is not responsible for the content, privacy practices, or security of those sites.
Loan and Credit Disclosures
Annual Percentage Rate (APR)
All RNPL credit products are subject to an Annual Percentage Rate (APR), which reflects the cost of credit as a yearly rate. The actual APR you receive may vary based on your credit profile, the amount you borrow, and your repayment schedule.
Underwriting Practices
RNPL uses AI-driven underwriting models that incorporate rental property information and other relevant data to assess your eligibility and pricing.
Equal Credit Opportunity
RNPL complies with the Equal Credit Opportunity Act (ECOA) and does not discriminate based on race, color, religion, national origin, sex, marital status, age, income derived from public assistance, or the exercise of rights under consumer credit protection laws.
If you believe you have been discriminated against, you may file a complaint with:
Consumer Financial Protection Bureau (CFPB)
Website: www.consumerfinance.gov/complaint
Phone: (855) 411-2372
Fair Credit Reporting Act (FCRA)
RNPL may obtain information about you from consumer reporting agencies as part of the application process. You have the right to a free credit report from each of the three nationwide credit bureaus once every 12 months at www.annualcreditreport.com.
Privacy and Security
Privacy Policy
Our Privacy Policy explains how we collect, use, and protect your personal information. By using this site, you consent to RNPL’s data practices as described there.
Information Security
RNPL employs robust administrative, physical, and technical measures to safeguard your personal and financial data. However, no system is 100% secure; you are responsible for maintaining the confidentiality of your account credentials.
Children’s Online Privacy Protection (COPPA)
This website is not directed to children under 13, and RNPL does not knowingly collect information from children under 13 without parental consent.
Terms of Use & Accessibility
Terms of Use
Your use of this website is subject to RNPL’s Terms and Conditions of Use, which describe your responsibilities and RNPL’s limitations of liability.
Accessibility
RNPL is committed to making its website accessible to all users and aims to comply with WCAG 2.1 AA standards. If you encounter any accessibility issues, please contact us at [support@rnplcredit.com].
Contact Us
For any questions about these disclosures, you can reach us at:
· Email: [support@rnplcredit.com]
· Mailing Address: [Rent Now Pay Later LLC 220 S.Main Street Royal Oak, MI 48067]