What you pay, and when
Lendumine charges for one thing: borrowing an item from the member who owns it. The lender sets the daily rate. You see the full total — rate, nights, and any refundable deposit — before you ever confirm.
Free to join
Creating an account, browsing the catalog, listing your own items and messaging other members cost nothing. There is no subscription and no listing fee.
The lender sets the rate
Every price you see in the catalog is a daily rate chosen by the item's owner. Many lenders also offer the first day or two free. Lendumine never sets, suggests or marks up a price.
The total is shown up front
Before you submit a request you see the itemised total: daily rate × days, any accessories, and the refundable deposit. Whatever is shown is what is charged — nothing is added later.
What a borrow costs
A worked example. Real listings and rates are on the Browse Items page.
Some items are listed free. If every day of your booking falls inside the lender's free days, the total is $0.00 and no card is charged at all.
Lendumine's service fee
Lendumine's revenue model is a service fee on completed borrows, calculated on the rental amount. Whatever that fee is for your booking, it is itemised in the total before you confirm — including when it is $0, which is the case in our current launch markets. You are never charged an amount you have not already been shown, and a fee is never taken out of a refundable deposit.
The rate lives in the app rather than on this page because we are rolling out neighbourhood by neighbourhood and it differs by market. A change to the fee applies only to bookings made after it takes effect; it never alters a booking already agreed.
Payment processing is provided by Stripe. Lendumine does not store card numbers — cards are tokenised and held by Stripe.
When money actually moves
Requesting an item does not charge you. Nothing is taken until the owner agrees to lend it.
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1
You request an item
No charge. You pick your dates and send the request. Your card is verified but not charged, and the lender is free to decline.
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2
The lender accepts
This is the charge. The rental amount and the refundable deposit are taken together in a single payment. The rental amount is held by Lendumine — it does not go to the lender yet.
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3
You collect the item
You and the lender confirm the handoff in the app and photograph the item's condition. The money stays held.
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4
You return it
The deposit comes back to you — refunded to the card it came from — and the rental amount is released to the lender.
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5
The lender withdraws
Lenders cash out to their own bank account through Stripe, on their schedule. Balances can also be spent on borrowing from other members.
Refundable security deposits
A deposit is a hold, not a payment. It is returned in full when the item comes back in the condition it left in. The lender chooses the level when they accept a request, based on the item and how well they know the borrower.
No deposit
$0
For people the lender already trusts — close friends and family.
Community
$25
Flat rate. Friends, family, and most borrows inside an established Circle.
Standard
25% of item value
Between $25 and $100. Mid-value items, or a limited sharing history.
Full
100% of item value
High-value items or a borrower the lender has not shared with before.
The deposit is refunded automatically whenever the rental resolves — completed, cancelled or declined. Lendumine does not keep any part of a deposit.
Refunds & cancellations
The lender declines
You are not charged at all. A request that is declined never becomes a payment.
Either side cancels before pickup
Full refund. The rental amount and the deposit are both returned to the borrower, automatically, at the moment the booking is cancelled.
The handoff never happens
Full refund. If an accepted booking is never picked up, we cancel it and refund the borrower in full without either party having to ask.
If something goes wrong with the item
If an item comes back damaged, late, or not at all, either member can open a dispute from the booking in the app. Both sides submit photos and their account of what happened; the before-and-after condition photos and the full message history are attached automatically. Our support team reviews it and decides how the deposit is applied.
Until a dispute is resolved the deposit stays held — it is not paid out to the lender and not released to the borrower. Anything not required to settle the dispute is returned to the borrower.
Questions about a specific charge? Email hello@lendumine.com and include the booking date and item name. See also our Terms of Service.
Getting paid, if you lend
Listing is free
No fee to list an item, no fee to keep it listed, and no exclusivity. Set your own daily rate and change it whenever you like.
You approve every borrow
Requests come to you. You choose whether to accept, and what level of security deposit the borrower puts up.
Withdraw to your bank
Earnings land in your Lendumine balance when a borrow completes. Connect a bank account through Stripe and transfer out whenever you want.
See what it actually costs
Every price in the catalog is a real rate set by a real member. Have a look before you sign up for anything.
Browse items