When do you consider a loan to be ‘non-performing’? November 29, 2018 09:51 Updated Follow For information on 'non-performing' loans please see our Collections and Recoveries policy. Related articles What is Lendy's current non-performing loan rate? If a loan does become non-performing, how long will it take me to get my money back? What happens if a borrower wants to extend a loan? Can you tell me more about the bonus accrual scheme? Why have I not received my expected monthly interest?