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MARKETING DISCLOSURES

 

PLEASE READ THESE DISCLOSURES BEFORE USING THE WEB SITE.

 

UPDATED: August 2018

Please read this information carefully and print a copy and/or retain this information electronically for future reference.


Product Offerings

The offers that appear on this site are from lending companies from which we receive compensation.  This compensation may impact how and where products appear on this site (including, for example, the order in which they appear and which ones are offered to which affiliates on our network at certain times.)  We do not include all lenders or loan options available in the marketplace.

Costs to Borrower

There is no cost to applicants to submit a loan request, get matched with lenders, receive conditional loan offers and quotes from the lenders. Borrowers may review the conditional loan offers or quotes and talk to the lenders at no cost. The lender that is chosen may require a fee to process the formal loan application, appraisal, and/or credit report, but until the borrower agrees to pay the lender’s fee(s), there are no costs to the borrower for these services.
There is no cost to the borrowers for our services.  The lenders and various advertisers pay us for our services.

 

We are not a Lender.  Affiliate Lenders determine underwriting criteria and make the lending decisions.

We are not a lender in any transaction and do not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms borrowers are offered, are the responsibility of the participating lenders and will vary based upon the loan request, the borrower’s particular financial situation, and the criteria determined by the lenders to whom the borrowers are referred.  Not all consumers will qualify for the advertised rates and terms.

Borrowers may not be matched with any lender and may not receive a conditional loan offer.  We do not guarantee that any lender will make any borrower a conditional loan offer.

The lenders will determine the underwriting criteria necessary for approval.  Borrowers should review each lender’s terms and conditions to determine which loan works for them and their personal financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each lender’s discretion. There is no guarantee a borrower will be approved for credit or that upon approval will qualify for any advertised rates, fees, or any loan terms that may be shown.

 

Borrower Disclosures

Personal loans can provide funds relatively quickly to borrowers once they’ve been qualified.  A loan can be fixed for a term and rate or variable with fluctuating amount due and rate assessed.  They can be secured or unsecured.  Borrowers should be sure to speak with their loan officer about the actual term and rate that they may qualify for based on their credit history (if applicable) and their ability to repay the loans.  Borrowers should also request all required disclosures, including fees, terms, and rate information from the participating lenders as we do not receive any funds from borrowers and only receives a “lead fee” from the lenders.


Please print and retain a copy of this agreement for your records.