Advertiser and Lending Disclosure

Our website is operated by a loan request service, not a lender. We do not make credit decisions, fund loans, set rates or terms, or collect payments, and we are not an agent or representative of any lender.

When you submit a request, we share the information you provide with lenders and lending partners in our network so they can decide whether to make you an offer. Any loan is made by the lender named in your loan agreement, under that lender's terms and applicable state and federal law. We do not guarantee that you will receive an offer, that any offer will be approved, or that you will qualify for any particular amount, rate or term.

Lenders and lending partners in our network pay us for requests we share, for offers or for funded loans. You never pay us anything, and our compensation does not add to the cost of your loan.

Compensation may influence which lenders participate in our network and the order in which offers are presented. It does not influence the content of our independent guides or the lender comparison on our compare lenders page, which includes lenders that do not pay us. We do not receive payment for listing any lender on that page.

Loan amounts, APRs, fees and terms are set by each lender and depend on your credit, income, debts, state of residence and other factors. Not all lenders serve all states, and not all applicants qualify.

Representative example: a $2,000 loan repaid over 12 months at 24% APR has 12 monthly payments of about $189.12, a total of payments of about $2,269.44 and a finance charge of about $269.44. Personal loan APRs through lenders in our network generally range from about 6% to 35.99%. Repayment terms commonly range from 3 to 60 months. Your actual APR, fees and terms will be shown in the lender's disclosure before you sign. Late or missed payments may result in fees, collection activity and reports to credit bureaus; contact your lender if you expect to miss a payment.

By submitting a request, you authorize us and lenders in our network to verify your information, which may include obtaining your credit report from one or more consumer reporting agencies. Many lenders begin with a soft inquiry that does not affect your score.

A lender may perform a hard inquiry if you accept an offer or proceed with a formal application, which can affect your credit score. Lenders may also use alternative data sources to verify identity, income and bank account ownership.

After you submit a request, lenders and lending partners reviewing it may contact you by email, phone or text about your request. Message and data rates may apply. You can opt out of marketing messages as described in our privacy policy.

Our guides, calculators and comparisons are general information, not financial, legal or tax advice. Figures are estimates based on stated assumptions and may not reflect offers available to you.

We work to keep information accurate and updated, but lender terms change. Confirm all terms with the lender before signing. Blog posts are written by our content team under disclosed pen names. If you find an error, please tell us through our contact page.