We operate a free online service that connects U.S. consumers with third-party lenders and financial partners. This disclosure explains how we are compensated, how compensation may affect what you see, and the lending facts you should understand before accepting any loan offer. Please read it together with our privacy policy and terms of use.
We Are Not a Lender
We are not a lender, broker, or agent of any lender; we do not make loans or credit decisions, and submitting a request through our website does not mean you will be approved.
The operator of this website does not issue loans, set interest rates, determine loan terms, or collect payments. Lenders in our network independently review the information you provide and decide whether to extend an offer. If you accept a loan, your contract is with the lender alone, and the lender's disclosures and agreement govern the loan.
We cannot promise that every request will be matched with a lender, that any lender will extend credit, or that a particular amount, rate, or term will be available. Information you see on our site about loan amounts and pricing is general and illustrative.
How We Are Compensated
We receive compensation from lenders and marketing partners in our network, usually when we deliver a qualified request or when a loan funds, and we never charge borrowers a fee.
That compensation may influence which lenders and products appear on our site, the order in which offers are presented, and whether a particular lender receives your request. A lender that pays more may be shown more often or more prominently. Compensation does not change the APR, fees, or terms a lender offers you, which are based on the lender's own underwriting.
Our editorial content, including rate explanations and borrowing guides, is written independently. Partners do not review or approve it before publication.
Not All Lenders or Products Are Shown
Our network does not include every lender or every loan product available in the United States, so the offers you receive represent only a portion of the market.
Banks, credit unions, and online lenders outside our network may offer terms that are better for your situation. We encourage you to compare offers from more than one source, including your own bank or credit union, before choosing. A list of some lenders that operate in this market appears on our lender comparison page, and inclusion there does not mean a lender participates in our network.
APRs, Terms, and Representative Example
Loan amounts through our service range from $500 to $5,000, and APRs, fees, and repayment terms vary by lender, credit profile, income, state, loan amount, and term length.
Mainstream personal loan APRs commonly run from about 6% to 36%, and some lenders that serve lower credit scores charge more. Repayment terms commonly range from a few months to several years. Some lenders charge an origination fee, which may be deducted from the amount you receive.
Representative example: a $2,000 personal loan repaid over 12 months at 24.99% APR would cost about $190.08 per month, or $2,280.94 in total, including $280.94 in interest. This is an estimate; actual terms come from the lender. Our rates guide explains how these numbers interact.
Credit Checks
Lenders in our network may perform a soft credit inquiry to review your request and a hard credit inquiry before final approval, and a hard inquiry may lower your credit score slightly.
A soft inquiry is visible only to you and does not affect your score. A hard inquiry appears on your credit report and may be visible to other creditors. Lenders may also verify your identity, income, and bank account through consumer reporting agencies or data providers. By submitting a request, you authorize lenders to obtain this information as described in their own disclosures.
State Availability
Loan products, amounts, and terms are not available in every state, and some lenders do not operate in certain states because of state lending laws and licensing rules.
Whether you receive an offer, and the terms of that offer, may depend on your state of residence. Lenders are responsible for complying with the laws of the states where they lend. Residents of some states may see fewer offers or no offers at all.
Late Payments, Non-Payment, and Renewals
Missing a loan payment can lead to late fees, returned-payment fees, collection activity, and negative reports to credit bureaus, and each lender's agreement sets the exact consequences.
Lenders may report late or missed payments to one or more credit bureaus, which can lower your credit score. Unpaid balances may be sent to collections, and lenders may pursue other remedies allowed by law and your agreement. If you expect to miss a payment, contact your lender before the due date to ask about options.
Renewal, extension, and rollover policies vary by lender and state. Some lenders do not allow renewals at all. Read your agreement carefully, since extending a loan usually increases total cost.
Borrow Responsibly
A personal loan is a serious financial obligation, so borrow only what you need and can repay on schedule, and review the full cost before signing any agreement.
Before accepting an offer, compare the APR, fees, and total repayment amount, and confirm the monthly payment fits your budget alongside your other bills. Avoid borrowing to cover recurring living expenses. If you are struggling with debt, a nonprofit credit counseling agency may be able to help at low or no cost.
