Advertiser and Lending Disclosure
A plain explanation of our business model, our relationship with lenders and partners, and what that means for you when you send a request.
Is this site a lender?
No; our site is a loan connection service, not a lender, and we do not make credit decisions, fund loans, set rates or terms, collect payments or broker loans on behalf of any specific lender.
When you submit a request, we pass your information to lenders and partners in our network, which may include other connection services that work with additional lenders. Each lender decides independently whether to make an offer and sets its own APR, fees, repayment terms and eligibility rules.
Submitting a request does not guarantee that you will receive an offer, a particular amount or a particular rate. Not every lender is available in every state, and some states restrict certain loans.
How do we earn money?
We are paid by lenders and partners in our network, usually a fee when a request is delivered to them or when a loan is funded; you never pay us, and the compensation is not added to your loan.
Because we are compensated, which lenders and partners receive a request, and the order in which they receive it, may be influenced by our agreements with them as well as by your details, such as your state, amount and income.
Our compensation does not change the APR, fees or terms a lender offers you. Those come only from the lender.
Do lenders influence our guides?
No; lenders and partners cannot pay to appear in our guides, to be ranked or to change what we write, and lender names in guides or on the compare page are included only to illustrate published terms.
Our compare lenders page lists published ranges for well-known lenders whether or not they participate in our network. Inclusion is not an endorsement, and absence is not a judgment. We do not publish ratings, testimonials or customer counts.
What should you know about representative examples?
Every payment example on this site uses a representative 24% APR with no fees, so actual offers may cost more or less; for example, $2,000 repaid over 12 monthly payments at 24% APR costs about $189.12 a month and $2,269.44 in total.
Personal loan APRs commonly range from about 6% to 35.99% for credit-based loans, and some lenders that work with low credit scores charge more. Terms usually run from 3 to 72 months depending on the lender and amount. Your lender's disclosure is the only binding source for your rate, payment and total cost.
What are the limits of our service?
Our service does not cover every lender or every loan available, does not guarantee the lowest rate, and does not replace advice from a qualified financial counselor about your situation.
Lenders may check your credit with one or more credit bureaus, which can affect your score. Missing payments on any loan can lead to fees, collection activity and harm to your credit. If you are struggling with debt, a nonprofit credit counselor approved by the U.S. Department of Justice or a member of the National Foundation for Credit Counseling may help at low or no cost.
How can you ask questions about this disclosure?
You can ask about this disclosure, our partners or how your request was handled by emailing or calling us through our contact page, and we will explain how your information was used.
Read our privacy policy for details on data sharing and your choices, and our terms of use for the rules that apply to this site. Contact details are on our contact page.