Terms of use

You may use this site to learn about personal loans, estimate payments and send a request to lenders in our network. By using the site, you agree to these terms and to our privacy policy.

If you do not agree with these terms, please do not use the site or submit a request. We may update these terms from time to time, and the version posted on this page applies from the moment it is posted. Continuing to use the site after a change means you accept the updated terms.

Our content is general information about borrowing. It is not financial, legal or tax advice, and it does not account for your personal circumstances. Consider speaking with a qualified professional about decisions that affect your finances.

We operate a free connector service and do not make loans or credit decisions. Submitting a request does not create a loan, a loan application with us, or any lending relationship between you and us.

Lenders in our network independently decide whether to make an offer and set every term, including the APR, fees, amount, repayment schedule and funding time. If you accept an offer, your agreement is solely with that lender, and the lender's terms govern the loan. We are not responsible for a lender's decisions, products, servicing or conduct, although we welcome reports about how lenders treat borrowers.

Lenders in our network may pay us when a request is matched or a loan funds. Our advertiser disclosure explains how that compensation can affect which offers appear.

Payment figures, rate ranges and examples on this site are estimates for illustration only. They are not offers of credit, and your actual APR, payment, fees and total cost come only from a lender's written offer.

Our examples come from a fully amortizing payment table that assumes no fees. The representative example of $2,000 over 24 months at 24.99% APR shows an estimated $106.73 monthly payment, but a lender may offer a different rate, term or amount, or no offer at all. Typical APRs across lenders run from about 6% to 35.99%, and not every applicant is approved. Results from the personal loan calculator follow the same rules.

To submit a request, you must be at least 18 years old, a resident of the United States, and legally able to enter a contract. You must submit the request for yourself, using your own accurate information.

Meeting these requirements does not mean a lender will make you an offer. Each lender applies its own criteria, and lenders in our network do not operate in every state. You agree that the information you provide is true, complete and current, and that lenders may confirm it, including by reviewing your credit.

You may not use the site for any unlawful, fraudulent or harmful purpose, submit false information or another person's details, or interfere with the site's operation or security.

• Submitting a request using someone else's identity, or information you know is false.
• Using automated tools to scrape, copy or submit forms on the site without our written permission.
• Attempting to access systems, accounts or data you are not authorized to reach.
• Uploading or transmitting malicious code, or disrupting the site for other visitors.
• Copying or republishing our content for commercial use without permission.
• Impersonating us or claiming to act on our behalf, including to request money from consumers.

We may block access, cancel a request or report activity to authorities when we believe these terms have been broken.

The site may send you to lender websites or other third-party pages. Those sites are run by others, follow their own terms and privacy notices, and are not controlled by us.

Review each lender's terms and disclosures carefully before you accept an offer or share additional information. A link to another site is not an endorsement of every product or statement on it.

The text, guides, calculator, design and graphics on this site belong to us or our licensors and are protected by copyright and other laws. You may view and print pages for your own personal, non-commercial use.

You may share a link to any page, and you may quote a short passage with a link back to its source. Any other copying, editing, distribution or commercial use requires our written permission. Photos on the site are used for illustration and do not show actual borrowers or lenders.

The site and its content are provided on an as-is and as-available basis. We make no promise that any lender will make an offer, that the site will always be available, or that every page is free of errors.

To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We work to keep information accurate, but rates, lender practices and laws change, so confirm important details with the lender before you rely on them. Whether you arrived after searching for a dash of cash or came straight to our form, decisions about borrowing remain yours.

To the fullest extent permitted by law, we are not liable for indirect, incidental, special or consequential damages arising from your use of the site, a lender's decision or any loan you choose to accept.

Our total liability for any claim relating to the site will not exceed one hundred U.S. dollars. Some states do not allow certain limits on liability, so parts of this section may not apply to you. You agree to hold us harmless from claims arising from false information you submit or from your breach of these terms.

Questions about these terms can go to [email protected], (888) 257-3593 or 179 Sycamore Street, Suite 527, Augusta, ME 04330. We will do our best to answer clearly and promptly.

For details on how we collect and share request information, read our privacy policy. For all the ways to reach us, see our contact page.