We Are Not a Lender
Our service is a free online loan-request and matching platform. We do not make loans, approve applications, set interest rates, decide loan terms, or fund any personal loan offered by a lender in our network.
When you complete our request form, we pass the information you provide to one or more independent lenders or lending partners who may be able to consider a personal loan between $500 and $5,000. Each lender reviews your request using its own criteria and decides on its own whether to make an offer. If you accept an offer, your loan agreement is between you and that lender only. We are not a party to the agreement, we do not service the loan, and we do not collect payments.
Because we are not a lender, we cannot change a lender's decision, waive a lender's fees, or adjust the rate or repayment schedule a lender offers. Questions about an offer, a loan agreement, or a payment should go directly to the lender that made the offer.
How We Are Paid
Lenders and lending partners in our network may pay us a fee for referrals. A lender may pay when we pass along a request, when you click through to its site, or when a loan is funded.
Compensation amounts differ from lender to lender and may change over time. Some partners pay a flat amount per referral, while others pay only if certain events happen, such as a completed application. Advertising on our pages, including lender profiles and comparison content, may also be paid. Payments from lenders are how we keep the request form free for the people who use it.
How Compensation Can Affect Which Lenders Appear
Compensation may influence which lenders receive your request, the order in which offers or lender profiles appear, and how often a lender is featured. A higher-paying partner may be shown more prominently than another lender.
Our network does not include every lender or every personal loan product available in the market. Other lenders, credit unions, and banks that are not in our network may offer terms that suit you better. We encourage you to compare any offer you receive with options outside our service, including a local credit union or your own bank, before you sign anything.
Our editorial content, such as guides, calculators, and lender profiles on our lender comparison page, is written to be useful and accurate, but you should treat any ranking or featured placement as possibly influenced by business relationships.
No Fee to Consumers
Submitting a request through our service costs you nothing. We never charge borrowers a fee to use the request form, receive offers, or speak with our support team, and you have no obligation to accept any offer.
A lender that makes you an offer may charge its own fees, such as an origination fee, a late fee, or a returned-payment fee. Those fees belong to the lender, are set by the lender, and must be shown in the lender's own disclosures. We do not receive any part of a fee you pay to a lender. If anyone asks you to pay an upfront fee before a loan is funded and claims to represent us, do not pay it and contact us right away.
No Guarantee of Offers, Rates, Terms or Approval
Submitting the request form does not guarantee that you will receive an offer, be approved, or qualify for any particular amount, rate, term, or funding speed. Every decision is made by the lender.
Lenders consider factors such as your credit history, income, existing debts, state of residence, and the information you provide. Some people receive several offers, some receive one, and some receive none. Funding times also vary: many online lenders can send funds as soon as the next business day after approval and e-signing, while others may take two to five business days, and your bank's processing time may add more.
APR Ranges and a Representative Example
Personal loans between $500 and $5,000 commonly carry APRs from about 6% to 35.99%, with repayment terms that typically run 6 to 36 months. Your actual APR depends on your credit profile, income, state law, and the lender.
Some lenders charge an origination fee, often 1% to 10% of the loan amount, which is usually deducted from the funds you receive. That fee is included in the APR a lender quotes you.
You can model other amounts and terms with our personal loan calculator, and see how APR ranges compare across credit bands on our personal loan rates page. Treat every number on our site as an estimate, not a quote.
The Lender's Own Disclosures Govern Your Loan
Each lender must give you its own loan agreement and Truth in Lending disclosures before you sign. Those documents, not our website, control your actual rate, fees, payment amount, and repayment terms.
Read the lender's disclosures carefully. Check the APR, the finance charge, the total of payments, the payment due dates, any prepayment terms, and the fees for late or returned payments. If anything in a lender's documents differs from what you saw on our site, the lender's documents apply. You can decline an offer at any point before you sign.
State Availability
Lender participation varies by state, and some lenders in our network do not lend in every state. Residents of certain states may see fewer offers, different amounts, or no offers at all.
State laws also set limits on rates, fees, loan sizes, and terms, so the same lender may offer different terms in different states. Basic requirements also differ: lenders commonly require borrowers to be at least 18 years old, or 19 in Alabama and Nebraska. Our personal loan requirements guide explains the common eligibility basics.
Credit Inquiries
Many lenders run a soft credit inquiry to show a preliminary offer, and a soft inquiry does not affect your credit scores. Accepting a final offer usually triggers a hard inquiry, which may lower scores slightly.
By submitting the request form, you authorize the lenders that receive your request to obtain your credit report or other consumer information to evaluate your request. Some lenders may also check specialty consumer reporting databases or verify your income and bank account. Each lender decides which checks it runs, so read its disclosures to understand which type of inquiry it uses.
No Affiliation With Any Nonprofit Credit Counseling Agency
Our service is independent and is not affiliated with, endorsed by, or connected to any nonprofit credit counseling agency, including any organization with a similar name. We are a for-profit loan-request service.
If a greenpath debt search or a search for nonprofit credit counseling brought you here, please know that we cannot help with that kind of service. People who want nonprofit credit counseling or a debt management plan can look for an agency that is a member of the National Foundation for Credit Counseling (NFCC).
We Do Not Offer Debt Management, Credit Repair or Legal Advice
Our service does not offer debt management plans, debt settlement, credit repair, credit counseling, tax advice, or legal advice. Our content is general educational information about personal loans and borrowing costs.
Nothing on our site should be read as personal financial advice for your situation. If you need help with a legal matter, a collection dispute, or a budget plan, talk with a qualified professional, such as a licensed attorney, a tax preparer, or an accredited credit counselor.
Questions About This Disclosure
Our support team can answer questions about how our service works and how we are paid. Email [email protected] or call (888) 927-0509, Monday through Friday, 8:00 a.m. to 6:00 p.m. Pacific.
You can also write to us at 2180 Maple Drive, Suite 653, Olympia, WA 98501. We usually answer emails within one business day. For questions about a specific offer or loan, contact the lender directly, since only the lender can explain its own decision and terms.
Frequently asked questions
Do lenders that pay more get my request first?
Compensation may affect which lenders receive your request and the order in which offers or lender profiles appear. A partner that pays more may be shown more prominently. Because of that, compare each offer on its APR, total repaid, and fees rather than on its position on the page, and consider checking a credit union or bank outside our network as well.
Is any part of the lender's origination fee paid to you?
No. Any origination, late, or returned-payment fee in your loan agreement is set and kept by the lender. Our compensation comes from lenders as a referral or advertising payment and is not added to your loan as a separate charge. You never pay us directly to submit a request or review offers.
Why might I see different offers than someone in another state?
Lender participation and state lending laws differ. Some lenders in our network do not lend in every state, and state rules can cap rates, fees, amounts, and terms. A person with a similar credit profile in another state may therefore see different lenders, amounts, or APRs, or no offers at all.
