Advertiser and Lending Disclosure

No. We operate a loan-request service that passes your information to lenders and lending partners. We do not make credit decisions, set rates or terms, issue loans, or broker or arrange any loan agreement.

Every personal loan offered through the network comes from a third-party lender. The lender decides whether to approve a request, what amount to offer, the APR, any fees, the repayment term and the payment schedule. The agreement you sign is between you and that lender, and the lender services the account and collects payments.

We do not act as an agent or representative of any lender, and we do not endorse any particular lender or product.

Lenders and partners may pay us when we pass along a request, when you are shown an offer, or when a loan is made. You never pay us anything; there is no fee to use our service.

Compensation arrangements differ by lender. Some pay a set amount for each request they receive; others pay only when a loan is funded. A partner may also be a network or marketplace that passes requests on to its own lenders, and it may pay us in the same ways. These payments fund the site, the request form and our guides.

The fee a lender pays us is not added to your loan as a separate charge. Your costs are only those the lender lists in its own disclosures, such as interest and any origination fee.

Yes. Compensation can affect which lenders and partners receive a request, the order in which they receive it, and which offer you see first. Lenders that pay us may be favoured over those that do not.

Matching also depends on the information you provide, such as your state, the amount requested, your income and credit profile, and on each lender's own criteria and capacity on a given day. The network does not include every lender or every product available, so you may find other options elsewhere.

We encourage you to compare any offer you receive with other sources, such as a bank or credit union, and to choose the option with the lowest total cost that fits your budget.

Terms vary by lender, by state and by your credit profile. Across the network, personal loans typically range from $500 to $5,000 with APRs of about 5.99% to 35.99% and terms of 3 to 36 months.

Representative example: $2,000 borrowed over 12 months at 24.99% APR would cost about $190.08 a month and $2,280.96 in total (estimate). Some lenders charge an origination fee, commonly 1% to 10% of the loan, often taken from the funds you receive.

Approval is not guaranteed, and not every applicant will receive an offer or qualify for the lowest rates. Funding, when a lender approves and you accept, often happens as soon as the next business day, depending on the lender and your bank. Not all lenders operate in all states. Review the lender's Truth in Lending disclosure carefully before you sign.

Late or missed payments are governed by the lender's agreement and may lead to late fees, returned-payment fees, collection activity and reporting to credit bureaus, which can lower your credit score.

Each lender sets its own policies on late fees, grace periods and hardship options, and those policies must follow the laws of your state. If you expect to miss a payment, contact your lender before the due date; many lenders can move a date or set up a short payment plan. Renewal or refinancing options, where offered, are set by the lender and may add cost.

No. Our guides, calculator and examples are written to explain borrowing costs, not to promote a particular lender. Lenders do not review or approve our editorial content before it is published.

Figures in our guides are estimates based on standard amortization and the typical ranges across the network. The lender's own offer is the only source of your actual terms. Read more about our standards on the about page, or see the terms of use for the full conditions of using the site.