Last updated: 2026
Lending River does not send unsolicited text messages. SMS conversations are only initiated after you provide consent through one of the following methods:
You call our toll-free number and verbally agree to receive text messages when prompted. Your consent is recorded as part of the call for compliance purposes.
You submit a form on our website and check the SMS consent checkbox. The checkbox is unchecked by default and includes a clear disclosure of what you are agreeing to, with links to this page and our Privacy Policy.
You send a text message to our toll-free number first. By texting us, you consent to receive SMS replies. Our system immediately sends a disclosure message confirming your consent and providing opt-out instructions.
When you text our number or opt in to SMS, you will receive a message similar to the following:
| Opt-In Methods | Verbal consent on phone call, TCPA checkbox on web form, or consumer-initiated text message |
| Consent Disclosure | Sent automatically in response to every new opt-in event |
| Message Purpose | Transactional only — confirming your inquiry and providing follow-up information. No marketing or promotional messages. |
| Message Frequency | Varies — typically 1–3 messages per inquiry. Only in direct response to your contact event. |
| Opt-Out | Reply STOP at any time to unsubscribe from all future messages |
| Help | Reply HELP for support information and contact details |
You can stop receiving SMS messages at any time using any of these methods:
After opting out, you will not receive any further SMS messages unless you re-subscribe by replying START.
Standard message and data rates may apply depending on your wireless carrier and plan. Lending River is not responsible for any charges incurred by your wireless carrier. SMS is supported on all major U.S. carriers including AT&T, Verizon, T-Mobile, and others.
The following toll-free number is used by Lending River for SMS communications:
Lending River
Phone: 1-949-205-7525