﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2024v5.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2025-09-30T11:52:03-04:00</ReturnTs>
    <TaxPeriodEndDt>2025-06-30</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmEIN>383026165</PreparerFirmEIN>
      <PreparerFirmName>
        <BusinessNameLine1Txt>BLYSTONE &amp; BAILEY CPAS PC</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>619 S MISSION ST STE 5</AddressLine1Txt>
        <CityNm>MT PLEASANT</CityNm>
        <StateAbbreviationCd>MI</StateAbbreviationCd>
        <ZIPCd>48858</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990EZ</ReturnTypeCd>
    <TaxPeriodBeginDt>2024-12-03</TaxPeriodBeginDt>
    <Filer>
      <EIN>824318726</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>LOANVANTAGE USER GROUP INC</BusinessNameLine1Txt>
      </BusinessName>
      <BusinessNameControlTxt>LOAN</BusinessNameControlTxt>
      <PhoneNum>9896219463</PhoneNum>
      <USAddress>
        <AddressLine1Txt>8 THE GREEN ST</AddressLine1Txt>
        <CityNm>DOVER</CityNm>
        <StateAbbreviationCd>DE</StateAbbreviationCd>
        <ZIPCd>19901</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>KELLY HOPKINS</PersonNm>
      <PersonTitleTxt>SECRETARY/TREASURER</PersonTitleTxt>
      <PhoneNum>9896219463</PhoneNum>
      <SignatureDt>2025-09-26</SignatureDt>
    </BusinessOfficerGrp>
    <IRSResponsiblePrtyInfoCurrInd>true</IRSResponsiblePrtyInfoCurrInd>
    <PreparerPersonGrp>
      <PreparerPersonNm>LEAH M RAU CPA</PreparerPersonNm>
      <PTIN>P01704280</PTIN>
      <PhoneNum>9897724673</PhoneNum>
      <PreparationDt>2025-09-30</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2024</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="2">
    <IRS990EZ documentId="RetDoc1" referenceDocumentId="RetDoc2">
      <InitialReturnInd>X</InitialReturnInd>
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
      <WebsiteAddressTxt>N/A</WebsiteAddressTxt>
      <Organization501cInd organization501cTypeTxt="6">X</Organization501cInd>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <GrossReceiptsAmt>148135</GrossReceiptsAmt>
      <InfoInScheduleOPartIInd>X</InfoInScheduleOPartIInd>
      <ContributionsGiftsGrantsEtcAmt>148135</ContributionsGiftsGrantsEtcAmt>
      <TotalRevenueAmt>148135</TotalRevenueAmt>
      <FeesAndOtherPymtToIndCntrctAmt>84722</FeesAndOtherPymtToIndCntrctAmt>
      <OtherExpensesTotalAmt>2148</OtherExpensesTotalAmt>
      <TotalExpensesAmt>86870</TotalExpensesAmt>
      <ExcessOrDeficitForYearAmt>61265</ExcessOrDeficitForYearAmt>
      <NetAssetsOrFundBalancesBOYAmt>25666</NetAssetsOrFundBalancesBOYAmt>
      <NetAssetsOrFundBalancesEOYAmt>86931</NetAssetsOrFundBalancesEOYAmt>
      <CashSavingsAndInvestmentsGrp>
        <BOYAmt>25666</BOYAmt>
        <EOYAmt>86931</EOYAmt>
      </CashSavingsAndInvestmentsGrp>
      <Form990TotalAssetsGrp>
        <BOYAmt>25666</BOYAmt>
        <EOYAmt>86931</EOYAmt>
      </Form990TotalAssetsGrp>
      <NetAssetsOrFundBalancesGrp>
        <BOYAmt>25666</BOYAmt>
        <EOYAmt>86931</EOYAmt>
      </NetAssetsOrFundBalancesGrp>
      <InfoInScheduleOPartIIIInd>X</InfoInScheduleOPartIIIInd>
      <PrimaryExemptPurposeTxt>LOANVANTAGE USER GROUP IS A COLLABORATIVE GROUP OF INDIVIDUALS FROM FINANCIAL INSTITUTIONS NATIONWIDE THAT USE THE LOAN ORIGINATION SYSTEM CALLED LOANVANTAGE WHICH IS OWNED BY JACK HENRY. LOANVANTAGE USER GROUP SEEKS TO PROVIDE INFORMATION RELATED TO THIS SYSTEM BY HOLDING CONFERENCES TO ANSWER QUESTIONS AND START NEW DISCUSSIONS.</PrimaryExemptPurposeTxt>
      <ProgramSrvcAccomplishmentGrp>
        <DescriptionProgramSrvcAccomTxt>PROVDING ANNUAL CONFERENCE FOR FINANCIAL INSTITUTION MEMBERS NATIONWIDE TO PROVIDE NEW INFORMATION RELATED TO THE LOANVANTAGE SYSTEM.</DescriptionProgramSrvcAccomTxt>
      </ProgramSrvcAccomplishmentGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>MATTHEW BASQUE</PersonNm>
        <TitleTxt>PRESIDENT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>5.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>MEREDITH SALOIS</PersonNm>
        <TitleTxt>VICE PRESIDE</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>5.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>KELLY HOPKINS</PersonNm>
        <TitleTxt>SECRETARY/TR</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>5.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
      <ChgMadeToOrgnzngDocNotRptInd>false</ChgMadeToOrgnzngDocNotRptInd>
      <OrganizationHadUBIInd>false</OrganizationHadUBIInd>
      <SubjectToProxyTaxInd>false</SubjectToProxyTaxInd>
      <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
      <Form1120PolFiledInd>false</Form1120PolFiledInd>
      <MadeLoansToFromOfficersInd>false</MadeLoansToFromOfficersInd>
      <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
      <BooksInCareOfDetail>
        <PersonNm>KELLY HOPKINS</PersonNm>
        <USAddress>
          <AddressLine1Txt>PO BOX 40</AddressLine1Txt>
          <CityNm>MASON</CityNm>
          <StateAbbreviationCd>MI</StateAbbreviationCd>
          <ZIPCd>48854</ZIPCd>
        </USAddress>
        <PhoneNum>9896219463</PhoneNum>
      </BooksInCareOfDetail>
      <ForeignFinancialAccountInd>false</ForeignFinancialAccountInd>
      <ForeignOfficeInd>false</ForeignOfficeInd>
      <DonorAdvisedFndsInd>false</DonorAdvisedFndsInd>
      <OperateHospitalInd>false</OperateHospitalInd>
      <TanningServicesProvidedInd>false</TanningServicesProvidedInd>
      <RelatedOrganizationCtrlEntInd>false</RelatedOrganizationCtrlEntInd>
      <TransactionWithControlEntInd>false</TransactionWithControlEntInd>
      <PoliticalCampaignActyInd>false</PoliticalCampaignActyInd>
    </IRS990EZ>
    <IRS990ScheduleO documentId="RetDoc2">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 16</FormAndLineReferenceDesc>
        <ExplanationTxt>EXPENSES MISCELANEOUS 1,148 GIFTS 1,000 TOTAL 2,148</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART III</FormAndLineReferenceDesc>
        <ExplanationTxt>LOANVANTAGE USER GROUP IS A COLLABORATIVE GROUP OF INDIVIDUALS FROM FINANCIAL INSTITUTIONS NATIONWIDE THAT USE THE LOAN ORIGINATION SYSTEM CALLED LOANVANTAGE WHICH IS OWNED BY JACK HENRY. LOANVANTAGE USER GROUP SEEKS TO PROVIDE INFORMATION RELATED TO THIS SYSTEM BY HOLDING CONFERENCES TO ANSWER QUESTIONS AND START NEW DISCUSSIONS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>