Disclosure
*Short Version*
This site provides a free, for-profit financial comparison and marketing service supported by advertisers. When you submit a form on this site , we share your information with lenders and third-party lender networks that may not be lenders themselves, in an effort to connect you with a lender. We and our network partners may also share your contact details with other marketing partners who offer credit-related products or services (e.g., debt relief, credit repair, or credit monitoring).
We receive compensation from these partners for connecting you with them and/or promoting their products and services. This compensation enables us to provide our service at no cost to you and generate a profit. It may also influence which providers you are matched with and the placement of advertisements, often favoring the highest bidder(s).
*IF YOU ARE UNCOMFORTABLE WITH MULTIPLE LENDERS, THIRD-PARTY NETWORKS, AND THEIR SERVICE PROVIDERS HANDLING YOUR SENSITIVE PERSONAL INFORMATION, PLEASE DO NOT USE OUR SERVICE.*
*IF YOU PREFER NOT TO RECEIVE MULTIPLE MARKETING COMMUNICATIONS FOR LOANS AND OTHER CREDIT-RELATED PRODUCTS, PLEASE DO NOT USE OUR SERVICE.*
For further details on our privacy practices, please see our Privacy Policy.
*Long Version*
(Strongly recommended)
*We first share your information with lenders in our network*
When you submit a form on this site, our proprietary loan marketplace processes your information to identify which lenders in our network are interested in offering a loan to consumers like you. We then share your information with these lenders, allowing them to determine how much they are willing to pay us for the connection. If only one lender is willing to pay, we will connect you with that lender. If multiple lenders express interest, our proprietary algorithm uses various factors to select the lender, with the amount they are willing to pay being a significant factor.
We do not control the lenders nor endorse any specific one.
Most users connected through our service are paired with lenders in our extended network rather than our direct network. (Keep reading to learn more about our extended network.)
*We will likely share your information with non-lender third-party networks*
If no lenders in our network are willing to pay for the connection, we will share your information with our extended network of non-lender third-party lender networks (“Lender Networks”). These networks, often referred to as “lead aggregators,” present your information to their lenders to see if any are willing to pay for the connection. If only one Lender Network has a lender willing to pay, we connect you with that lender. If multiple Lender Networks have interested lenders, our algorithm will determine which network to use based on various factors, particularly the payment they offer.
We do not know the identities of the lenders connected through Lender Networks, nor do we know which lenders your information is shown to.
Utilizing Lender Networks increases the likelihood of connecting you with a lender and helps us maintain profitability from our free service.
*Our Lending Partners’ service providers may also process your information*
Many of our lenders and Lender Networks (collectively “Lending Partners”) employ service providers for various purposes, including managing online consumer acquisition, verifying your identity, checking your credit history, and other aspects related to your loan request. These service providers may process your data on behalf of the Lending Partners. In some cases, we receive compensation from these providers rather than directly from the lender.
*You may receive offers for different loan products or amounts*
We may connect you with a lender offering different loan amounts, terms, or rates than those you specified. If connected, the lender's identity will be disclosed only after you submit the form. You may be redirected to their site for more information, and they may contact you directly via phone, SMS, or email. We recommend comparing multiple lenders and offers to make an informed decision about your loan.
*We may display ads for other financial products or services*
After attempting to connect you with a lender, we may show ads for lenders or other financial products and services, such as debt relief or credit monitoring. We use the information you provided to choose which products or services to advertise. If you click on these ads, we may share your contact information with the advertisers, who will not have access to the rest of your information but may know you submitted a form on this site.
We are compensated by these advertisers, and the amount they pay us influences the ads we display and their placement. We show these ads because we believe they may benefit our users and because they contribute to our profitability from the free service.
*We may continue to market finance-related products to you through third parties*
By using our service, you agree to be added to our marketing lists for future communications. We may send you offers for loans and other credit-related products via email, SMS, phone, or postal mail. We often utilize third-party advertising services to conduct this marketing on our behalf. These providers will receive only the contact information necessary to send you ads; they do not access other information you submitted. Additional service providers may be involved in delivering ads, which may require sharing your contact information.
We are compensated by these advertisers, and the amounts they pay us affect which products or services we promote. We believe our users may benefit from these offerings, and they also help us profit from our free service.
*More important information about our service*
This site does not connect you with all lenders or available loan products. You should not assume that any offer you receive through our service is the best option for you. Always compare other options and make an informed decision about the best products or services for your situation.
*Click here* for a list of many of the lenders, third-party networks, and marketing partners in our network and extended network.
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