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; Lendumine adds a 10% service fee on top. You see the full total — rate, days, service fee, and any refundable security hold — before you ever send a request.
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, the 10% service fee as its own line, and the refundable security hold. 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 — no rent and no service fee. A refundable hold may still be reserved on your card.
Lendumine's service fee
Lendumine's fee is 10% of the rental amount, paid by the borrower on top of the lender's price. It is never folded into the daily rate: the listing page tells you it applies, and the borrow screen shows it as its own line in the total before you send a request. The lender keeps 100% of their price.
The fee is charged with the rental when the lender accepts. If the booking is declined, cancelled before pickup, or never picked up, the fee is refunded along with the rental. It is never taken out of a security hold. A change to the rate applies only to requests sent after it takes effect — if the rate changes while you have the borrow screen open, the app shows you the new total before anything is sent.
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 — and a security hold is never taken at all unless the item isn't returned.
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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 service fee are charged. Any security hold is reserved on your card at the same time — an authorization, like a hotel hold, not a 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 hold is released — it simply drops off your card — and the rental amount is released to the lender.
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5
The lender is paid
The lender's earnings land in their own Stripe account — shown in the app as their wallet — and they move them to their bank whenever they like, or turn on automatic daily transfers. Standard transfers are free and arrive in 1–2 business days. Lendumine holds no balance for anyone.
Refundable security holds
A security hold is an amount reserved on your card, not a payment. It is released when the item comes back. Most items carry one by default; the level follows how well you and the lender know each other, and you see the exact amount before you send a request. The lender can lower it when they accept, never raise it.
No hold
$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 hold is released automatically when the rental closes — completed, cancelled or declined. Because card holds expire, a rental with a hold can be at most 5 days; a lender can choose no hold (for example, for friends) to lend for longer.
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 service fee are returned to the borrower's card, and any hold is released, the moment the booking is cancelled. Card refunds typically take 5–10 business days to appear on a statement.
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 the time stops working, you don't have to cancel
Plans change, and an emergency an hour before a handoff shouldn't cost anybody their booking. Either member can ask to move the pickup or the drop-off from inside the booking, and the other member has to agree to the new time before anything changes — so nobody turns up to a doorstep the other person has already left.
A reschedule moves when the item changes hands and nothing else: the booking keeps the same number of days and the same price, so no money moves and there is nothing to re-approve. Needing more or fewer days is a different booking, not a reschedule.
If the item isn't returned
Once an item is past its return date, the lender can report it not returned from the booking in the app. The borrower is notified straight away and has 48 hours to return it or reply in the chat. If they do neither, the security hold is charged and paid to the lender.
If the borrower replies, the automatic charge waits — but replying buys time, not the item: if it still isn't back five days after the report, the hold is charged. If the borrower says they returned it and the lender says they didn't, nothing is charged automatically; our support team reviews the booking's photos and messages and decides. The lender can withdraw a report at any time, and confirming the item is back ends it.
For damage or anything else that goes wrong, either member can contact us from the booking. The before-and-after condition photos and the full message history are attached automatically.
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 whether your items carry a security hold. You keep your full price — the borrower pays Lendumine's service fee.
Withdraw to your bank
Connect a bank account through Stripe once. When a borrow completes, your earnings are sent to it by Stripe directly — Lendumine never holds your money in a balance you have to withdraw.
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