Advertiser & Lending Disclosure

We receive compensation from lenders and partners in our network, typically when we pass along a loan request or when a request leads to a completed loan, and that payment funds our free service.

Payment amounts differ between lenders and can change over time. We do not charge you a fee for using our request form, and nothing we receive is added to the cost of your loan from our side. Any fees on a loan, such as an origination fee or late fee, are set by the lender and appear in the lender's own disclosures and loan agreement.

Compensation may influence which lenders join our network, which lenders receive a particular request, and the order in which offers appear, so the offers you see may not include every option available to you.

Our network includes many lenders, but not every lender in the market. A lender that pays more is not necessarily a better fit for you, so compare each offer on its own terms. We encourage you to review offers from your bank or credit union as well and to choose the one with the lowest overall cost that fits your budget. Our guide to comparing offers shows what to check.

We are a loan-request connector, not a lender, so we do not make credit decisions, set rates or terms, fund loans, or service loan accounts after you sign an agreement.

Lenders in our network review each request independently and decide whether to make an offer. Submitting a request does not mean you will be approved, and some requests do not receive any offers. If you accept an offer, your agreement is with the lender, and all questions about payments or your account should go to that lender.

Loan offers vary by lender and depend on your credit history, income, debts, the amount requested and your state, with typical personal-loan APRs ranging from about 6% to 35.99%.

Some state-licensed lenders may charge more than that range, and those loans are high-cost, so always compare the APR before you sign. Common terms for $500 to $5,000 run from about 3 to 36 months, and origination fees commonly range from 0% to about 10% of the loan, often deducted from the amount you receive. Covered active-duty servicemembers and their dependents are protected by the Military Lending Act, which caps APR at 36% on most consumer credit.

As a representative example, a $2,000 personal loan repaid over 12 months at 24.99% APR would cost about $190.08 a month, for a total of about $2,280.94, including about $280.94 in interest.

This figure is an estimate for illustration only. Your actual APR, payment and total cost depend on the lender's decision and the terms you accept. The example assumes no origination fee and on-time payments; a fee or late payments would raise the total cost. Try different amounts and terms with our personal loan calculator, and see typical ranges on our rates page.

Loan availability, amounts, rates and terms vary by state, and some lenders in our network do not offer loans in every state, which can limit or prevent offers for residents of certain locations.

Many states cap interest rates on small loans or require lenders to hold a state license. Lenders are responsible for following the rules in the states where they lend. If you live in a state where few lenders in our network operate, you may see fewer offers or none.

Lenders may check your credit when reviewing a request, often with a soft inquiry first, and a hard inquiry before final approval can lower a credit score by a few points.

You are never obligated to accept an offer. Read every lender's disclosures before signing, ask questions if anything is unclear, and walk away if the cost does not fit. If you have questions about this disclosure, our contact page lists every way to reach us.