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Material disclosure

APR Disclosure.
Certain states impose limits on the Annual Percentage Rate (APR) that a lender may charge. APRs for cash advance loans typically range from 200% to 1386%; for installment loans, from 6.63% to 485%; and for personal loans, from 4.99% to 450%. These rates vary by lender. Loans originating in states without APR caps, or from federally regulated banks not subject to state rate limitations, may carry higher APRs. The APR represents the cost of credit as a yearly rate and is based on the loan amount, cost, duration, repayment schedule, and timing. Lenders are required by law to disclose the APR and all other loan terms prior to execution of a loan agreement. APRs are subject to change at the discretion of the lender.

Material Disclosure.
The operator of this website is not a lender, loan broker, or agent of any lender or loan broker. We provide an advertising and referral service that connects users with participating lenders who may offer loans between $100 and $1,000 for cash advances, up to $5,000 for installment loans, and up to $35,000 for personal loans. Loan availability, approval, and amount are determined solely by the participating lenders, and there is no guarantee you will be matched with a lender or approved for a loan.

This website does not constitute an offer or solicitation for loan products that are prohibited by any state law. We do not make or arrange loans, and we do not endorse or charge consumers for any service or product. Any compensation received is paid by participating lenders solely for advertising and referral services. This service is void where prohibited by law.

We do not control or assume responsibility for the actions or decisions of any lender. We do not have access to your specific loan terms, including APR. You should direct any questions regarding your loan—including rates, fees, repayment terms, renewals, and consequences of non-payment—to your lender. Only your lender can provide information about your loan.

The information you provide on this site will be shared with one or more participating lenders. You are under no obligation to use this service, submit a loan request, or accept a loan from a lender to whom you are referred. Loan funding times, terms, and availability vary by lender and may be subject to applicable state and local laws. Some lenders may require additional documentation, including faxed materials.

These disclosures are provided for informational purposes only and do not constitute legal advice. Use of this site and its services is subject to our Terms of Use and Privacy Policy.

Exclusions.
Residents of certain states may not be eligible to receive some or all types of short-term or small-dollar loans. Currently, residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible to use this website or its services. This list may change without notice.

Credit Implications.
We do not make credit decisions. Participating lenders may conduct credit checks with national credit bureaus or obtain consumer reports from alternative data providers to evaluate your creditworthiness, credit standing, or credit capacity. By submitting your information, you authorize participating lenders to verify your information and conduct credit checks.

Loans offered by participating lenders are typically intended for short-term financial needs and are not a long-term financial solution. Borrow only what you can afford to repay by your next pay date or within the terms agreed upon with the lender. If you are experiencing financial hardship, consider consulting a financial advisor or credit counseling service.

Late payments may result in additional fees, increased interest, and collection activity. Failure to repay may result in collection efforts or legal action. Each lender sets its own late payment, renewal, and non-payment policies. Please review your lender’s specific terms and conditions for more details.

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