APR disclosure. The cost of credit on this site varies sharply by route. Licensed installment credit advertised online generally prices between 6.63% and 225% APR. Virginia and Illinois license consumer credit at a 36% all-in figure. Delaware licenses advances up to $1,000 with no cap on the fee, and market pricing there has run roughly 391% to 520% APR. Sovereign tribal installment loans offered through this site’s partners typically price between 400% and 800% APR over terms of 3 to 12 months. Storefront payday products are not licensed in Maryland, Pennsylvania, or Washington DC, so no offers at payday pricing appear from licensed lenders in those three jurisdictions.
Material disclosure. We are a referral service, not a lender. Participating lenders pay us when a submitted request results in a funded loan or another agreed outcome, and that compensation never changes the price a lender offers you. We do not charge readers anything at any point.
Coverage and exclusions. This site serves MD, PA, VA, DE, DC, and IL; it does not currently serve AR, NY, NH, VT, or WV.
Credit implications. Submitting a request triggers a soft check, which does not affect your credit score. If you accept an offer, the funding lender may perform a hard inquiry, which can affect your score, and payments on the resulting loan are typically reported to specialty credit bureaus. Missing payments can be reported, can raise the cost of future credit, and can lead to collection activity.
Not a lender. This site does not make credit decisions, does not broker loans itself, and does not guarantee approval, pricing, or funding speed. Every offer you see comes from the lender that extends it, under that lender’s own underwriting and terms, and the lender’s agreement is the binding document.