IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, the lender will ask for your name, address, date of birth, and other information that will allow the lender to identify you. The lender may also ask to see your driver’s license and other identifying documents.
Material Disclosures
APR Disclosure. Some states have laws limiting the APR (Annual Percentage Rate) that a lender can charge you. APRs range from 4.99% to 35.99%, or to the discretion of the lender, and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.
Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $1000 and $5,000. Not all lenders can provide up to $5,000 and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, request a credit or any loan product, or accept a loan from a participating lender. Loan transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice.
Exclusions. The services offered by this website might not be available in every state. The states serviced by this website may change from time to time, without notice.
Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you may be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Consider seeking professional advice regarding your financial needs. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Each lender has their own terms and conditions, please review their policies for further information. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.
Important Disclosures: This website does not constitute an offer or solicitation to lend. The operator of this website is NOT A LENDER, does not make loan or credit decisions, and does not broker loans. The operator of this website is not an agent or representative of any lender. Nothing on this website is an offer or a solicitation to lend. This website helps borrowers find good and bad credit personal loans by securely submitting their information to lenders of short or long-term loans, otherwise known as installment loans as well as alternative loans, credit lines and credit cards. This is only done once you have given permission to proceed. This website’s aim is to provide lenders with information about prospective consumer borrowers. We are compensated by lenders for this service. Providing your information on this website does not guarantee an approval. Any questions concerning actual product offerings should be directed to the potential loan lender. We urge you to read our entire website so that you are aware of all of the information that we provide. CompetitiveCredit.com is a loan connecting company. We review the information that you provide to us and if you meet certain requirements, we then connect you with the lender or lenders with which we do business (“the participating lenders”), who we believe are most likely to provide you with a loan based on our assessment of your information. Repayment terms vary by lender and local laws, and not everyone will qualify for maximum borrowing repayment terms of 72 months. The APR, borrowing term and amount that you may be eligible for will be determined by several key variables including but not limited to your credit score, income and total debt as well as state limits. At CompetitiveCredit.com, we will provide you with the opportunity to provide us with your credit situation, but we will never run your credit, which can result in a reduction of your credit score by a small number of points each time that it is run. CompetitiveCredit.com is not acting as a representative, agent, or correspondent for any of the participating lenders. CompetitiveCredit.com does not control and is not responsible for the actions or inactions of any participating lender. CompetitiveCredit.com does not endorse any particular lender or loan product. You are under no obligation to use CompetitiveCredit.com’s service to initiate contact or submit a request for a loan with any of the participating lenders. If you decide to use our service to submit a loan request, in accordance with the terms of our Privacy Policy, CompetitiveCredit.com may share your loan request and the personal information that you provide to us with participating lenders and also will share certain personal information that you provide to us with other service providers and marketing companies with which we do business. CompetitiveCredit.com does not guarantee that your submission of a loan request will result in you being connected with a lender, being offered a loan with rates or terms that are acceptable to you or receiving a loan. Participating lenders may take steps to verify the accuracy of the information that you have provided including, but not limited to, your social security number, driver’s license number, national ID, or any other state or federal identifications and may review the information against national databases including, but not limited to, Equifax, Transunion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. In addition, if your loan request results in a loan offer, they may use your personal information to market their services to you. We may financially benefit from anything you read or click on while visiting our site. Our services are available in all 50 states and our service availability and the scope of the services we offer are subject to change without notice. All loans may be subject to credit approval. Most of the lenders we work with can offer free rate quotes with no impact to your credit whatsoever. We have some Loan Providers that are able to issue pre-approval quotes without performing any credit check, and other Loan Providers that can issue pre-approvals and approvals via a soft credit check (no impact to your FICO credit score or rating). We have some Loan Providers, that once connected with, may need to collect additional information from you including your SSN, for the purpose of doing a soft credit inquiry to determine whether or not to extend potential offers to you. There is no impact to your credit score or rating when a lender performs a soft credit inquiry. Once pre-approved by a Loan Provider we connected you with, we will hand you off to that lender for the purpose of you becoming their client. During the process of finalizing your financing, some Loan Providers may need to perform a hard credit inquiry. Those Loan Providers will ask for your permission prior to doing so.
Information about loans: Not all lenders can provide loan amounts up to $5,000. The maximum amount you may borrow from any lender is determined by the lender based on its own policies, which can vary, and on your creditworthiness. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan.
Every lender has its own terms and conditions and renewal policy, which may differ from lender to lender. You should review your lender’s terms and renewal policy before signing the loan agreement. Late payments of loans may result in additional fees or collection activities, or both.
By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are submitting a request for is illegal.
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