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Kind Financial / Legal

SMS Opt-In & Consent

Last updated: 2026

These terms explain how Kind Financial obtains your permission to text you, what those messages contain, and how to stop them at any time.

How SMS consent is collected

Kind Financial does not send unsolicited text messages. A text conversation begins only after you give consent in one of three ways:

  • Inbound phone call (verbal consent). You call our toll-free number and agree to receive text messages when asked. Your consent is recorded as part of the call.
  • Web form (written consent). You submit a form on our website and tick the SMS consent checkbox. The checkbox is unticked by default, sits beside a clear description of what you are agreeing to, and links to this page and to our Privacy Policy.
  • Text you send us first. When you text our toll-free number, you consent to receive replies. Our system immediately sends a message confirming that consent with opt-out instructions.

The confirmation message you receive

When you text us or opt in, you receive a message along these lines: “Thanks for reaching out to Kind Financial! By texting this number, you consent to receive SMS replies from us. Msg & data rates may apply. Reply STOP to unsubscribe, HELP for help.”

What we send, and how often

  • Purpose: transactional only. We confirm your inquiry and send follow-up information about it. No marketing or promotional messages.
  • Frequency: varies, typically 1 to 3 messages per inquiry, and only in response to contact you started.
  • Consent is optional: agreeing to text messages is not a condition of any loan.

How to opt out

  • Reply STOP to any message. You receive one confirmation and no further texts.
  • Reply HELP for support information.
  • Call us at (888) 546-3090.

After opting out you will not receive further text messages unless you re-subscribe by replying START. Opting out of texts does not affect phone or email contact.

Message and data rates

Standard message and data rates may apply depending on your carrier and plan. Kind Financial is not responsible for charges from your wireless carrier. SMS is supported on all major U.S. carriers, including AT&T, Verizon and T-Mobile.

Our number

Kind Financial uses this toll-free number for text messages: (888) 546-3090.

One payment, one fixed rate, and a team that picks up the phone.

Contact

(888) 546-3090901 Dove Street, Suite 299Newport Beach, CA 92660

APRs range from 6.99% to 35.99% for first-time borrowers. The minimum loan amount is $5,000 and the maximum is $110,000. To be eligible you must meet the criteria of your prescreened offer, be approved for credit and on application, have a monthly debt-to-income ratio that does not exceed 50%, and have been employed for at least one year. Any origination fee is disclosed before you accept an offer. Pre-qualification uses a soft credit inquiry. There is no fee to discuss your options with a Kind Financial specialist. Services may not be available in all states; final approval, rate and funding timing depend on standard underwriting review. Kind Financial does not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.

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