Important Personal Loan Information
Transparency and customer clarity are our commitment. Please review your key loan details below before applying.
Loan Repayment Terms
- Minimum repayment period: 12 months
- Maximum repayment period: 60 months
- (No loan requires full repayment in 60 days or less.)
Annual Percentage Rate (APR) Range
The lowest APR available on our personal loans is 6.49%, offered to the most qualified borrowers.
The maximum APR is 35.99%.
Your APR includes interest, origination fees, and all applicable charges, calculated per the Truth in Lending Act (TILA).
Representative Example of Total Loan Cost
Example:
If you borrow $10,000 with a 24-month repayment term at a 6.49% APR (fixed):
- Origination fee: 1% ($100)
- Total interest over 24 months: $690.76
- Total repayment amount: $10,790.76 (principal + interest + fees)
- Estimated monthly payment: $449.61
The total cost varies based on credit profile, loan amount, and terms. Lowest rates require excellent credit.
Fees
- Origination fees: as low as 1%, never exceeding 5%
- No prepayment penalty: repay anytime without extra charge
Excluded Loan Types
We do not offer:
- Mortgages
- Auto loans
- Student loans
- Credit cards or revolving lines of credit
Ad Disclosure
Short Summary
This site offers a free, advertiser-supported financial comparison and marketing service. When you submit the form on this site, your information is sent to lenders and third-party lender networks (not lenders themselves) to try to connect you with a lender.
We and our partners may share your contact information with other marketing companies offering credit-related products, such as debt relief, credit repair, or credit monitoring.
We receive financial compensation that allows us to offer this service for free and make a profit. This may affect which lenders or ads you see, typically favoring those who pay the most.
For more information about our privacy practices, please see our Privacy Policy.
Detailed Explanation (Recommended Reading)
How we share your information with lenders
When you submit a form, our proprietary loan marketplace processes your data to identify interested lenders in our network. We share your complete information with these lenders who decide whether and how much to pay us for connecting with you.
If only one lender offers to pay, you will be connected to that lender. If multiple lenders offer to pay, our algorithm selects which lender based mostly on the highest payment.
We do not control or endorse any specific lender.
Sharing with non-lender third-party lender networks
If no lender in our direct network is willing to pay, we share your information with third-party lender networks (“lead aggregators”). These companies market loans on behalf of lenders in their own extended networks and try to find a lender willing to pay for a connection.
Our algorithm uses the payment amount as the main factor when multiple lender networks compete. These networks do not share their lenders’ identities with us, so we don’t know which lender you connect with through them.
These networks increase your chances of connecting with a lender and financially support our free service.
Service providers working for lenders and networks
Many lenders and lender networks use service providers for functions like customer acquisition, traffic management, identity verification, or credit checks. These providers receive and process your data on behalf of the lenders, and we may receive compensation from these providers directly.
Variety in loan offers
You may receive loan offers that differ in amount, terms, or rates from what you requested. Lender details are only disclosed after you submit the form. You may be redirected to the lender's site and contacted via phone, SMS, or email. We strongly recommend comparing multiple offers to make an informed decision.
Advertising other financial products
After trying to connect you with a lender, we may show ads for finance-related services such as debt relief, credit repair, or credit monitoring. Ads are tailored based partly on the information you provided. Clicking an ad may share your contact details with that advertiser. Advertisers won’t see all your form information but might know you submitted a form and loan interest type.
We receive compensation from these advertisers, which affects the ads and their placement. These ads help support our free service and may benefit users.
Ongoing marketing communications
By using our service, you agree to receive marketing messages after your initial use. These may promote loans or other credit-related products via email, SMS, phone, postal mail, or other channels. We use third-party advertising service providers to deliver ads, who may subcontract further — sharing your contact info as necessary.
Compensation from advertisers influences the content of marketing communications. We promote these products to help users and fund our free service.
Additional important information
Our site does not have access to every lender or loan product available. Do not assume any offer presented here is the best option. Always compare alternatives and select loans or products that best suit your unique circumstances.
If desired, we can provide a list of many lenders, third-party lender networks, and marketing partners associated with our service.