Lending Disclosure: We are not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make loan offers, credit decisions, or broker loans.
APR Disclosure: APR varies significantly by lender, state laws, and your individual creditworthiness. Traditional personal loans may feature APRs between 5.99% and 35.99%, while short-term advances carry higher effective rates.
Credit Check Notice: Lenders in our network may perform credit checks with traditional credit bureaus (Equifax, Experian, TransUnion) or alternative providers. Submitting a request form does not guarantee loan approval.
State Information: Notice to Texas Residents: Loans in Texas are regulated by the Texas Office of Consumer Credit Commissioner (OCCC). In the City of Waco, local ordinances restrict short-term cash advance amounts to 20% of the borrower's gross monthly income and require installment loans to be paid in no more than four payments, with each payment reducing the principal balance by at least 25%.
State Regulations: Texas Finance Code and local Waco ordinances govern personal lending. Lenders must verify income and limit refinances to protect consumers from debt cycles.