Advertiser and Lending Disclosure

No, we are not a lender and we do not make credit decisions; we operate a free request service that passes your information to lenders and partners in our network, who decide whether to make you an offer.

We are also not a broker that negotiates, approves or arranges loan terms on your behalf. We do not issue loans, set interest rates or fees, collect payments or service accounts. Any loan you receive is made by the lender named in your agreement, under that lender's terms and the laws that apply to it.

Lenders and partners in our network may pay us for referrals, for matched requests or for funded loans, and that compensation may affect which offers appear to you and the order in which they appear.

Compensation never changes the cost of submitting a request, which is always free for you. It also does not change the terms a lender sets: the lender decides the APR, fees and term based on its own review. We work to show offers that fit your request, but a higher-paying partner may sometimes appear ahead of another offer.

We do not review or include every lender, loan product or financing option available, so the offers you see through our network represent only part of the market.

Banks, credit unions, employer programs and card issuers may offer options we do not show, some at lower cost. Comparing those alternatives before you accept any offer is a smart step, and our lender comparison guide outlines what to look for.

Lenders in our network typically offer about 6% to 35.99% APR on amounts from $500 to $5,000, with terms of 3 to 36 months and some terms up to 60 months.

• APR: about 6% to 35.99%. Some lenders in some states charge more than 36% APR; their offers show the APR before you accept.
• Terms: typically 3 to 36 months, with some lenders offering up to 60 months.
• Origination fees: 0% to 10% of the loan amount at some lenders, often taken from the funds you receive.
• Funding: often the next business day after approval and signing, depending on the lender and your bank.

Representative example: A $2,000 loan repaid over 24 months at 24.99% APR has an estimated payment of $106.73 per month, for an estimated total of $2,561.59 ($561.59 in interest), assuming no origination fee.

See rates and terms for more estimates.

Availability varies by state, because each lender is licensed or permitted to lend only in certain states and must follow state limits on amounts, fees and rates.

Residents of some states may see fewer offers, smaller maximum amounts or no offers at all. A lender's offer reflects the rules of the state where you live.

Lenders alone set every loan term, including APR, fees, repayment schedule, late charges and prepayment rules, and those terms appear in the lender's offer and agreement before you sign.

Read the full agreement, including the Truth in Lending disclosure, before you accept. If anything is unclear, ask the lender directly.

Approval is never promised, because each lender makes its own decision based on its review of your credit, income, debts, identity verification and the rules of your state.

Submitting a request does not mean you will receive an offer, and receiving an offer does not mean you must accept it.

Lenders in our network may check your credit, using a soft inquiry that does not affect your score or a hard inquiry that may lower it slightly, depending on the lender and stage of review.

Lenders may also verify information with consumer reporting agencies or alternative data providers. Late or missed payments on a loan may be reported to credit bureaus and can lower your score. Questions about this disclosure can go to our contact team.