Disclaimer: The operators of this website are not a lender, do not broker personal loans and they do not make any short term cash loans or any credit decisions. 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 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. 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 matching company. We review the information that you provide to us and if you meet certain requirements, we then match 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 www.CompetitiveCredit.com, we will provide you with the opportunity to provide us with your credit score, 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. This website does not constitute an offer or solicitation to lend. CompetitiveCredit.com is not a lender and does not make loans or credit decisions. 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 apply for a loan with any of the participating lenders. If you decide to use our service to apply for a loan, in accordance with the terms of our Privacy Policy, CompetitiveCredit.com will share your loan application 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 application will result in you being matched 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 application 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 are subject to credit approval. All 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 matched 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 matched you with, we will hand you off to that lender for the purpose of you becoming their client, and them helping you finalize your loan with them. 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.

The minimum monthly repayment term is 12 months and the maximum terms is 72 months. APR’s can range from as little as 3.8% to as much as 35% depending on the state. A representative example would be as follows: for a $5,000 48-month loan at an interest rate of 14.0% you will receive a loan amount of $5,000.00 and will make 48 monthly payments of $136.63. Total loan cost would be $6,558.35.