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Important Disclosures – Please Read Carefully

If you are experiencing serious financial difficulties, consider alternative solutions or seek professional financial advice. This website employs Site Visit Recordation Technology, including third-party services like Jornaya’s LeadiD, to document site visits. By submitting your information on this website, you consent to the use of this technology. The owner of this website is not a lender and does not engage in lending activities such as taking loan applications, making credit decisions, or collecting payments. Submitting your information here is a request to be connected with one or more financial service providers who may assist with your financial needs. Each provider is responsible for their own credit decisions and verification processes. The services offered through this website are administrative only, often referred to as “lead generation,” and are provided free of charge. Lenders and financial service providers pay a fee to be connected with consumers seeking financial services, typically through a bid-based model. In some instances, you may be connected with a Tribal Lending Enterprise (TLE). TLEs operate under tribal and certain federal laws, which may exempt them from state regulations, including usury caps. If connected to a TLE, understand that their rates and fees may be higher than those of state-licensed lenders, and they may require dispute resolution within a tribal jurisdiction. It is crucial to read and understand all loan terms, whether from a tribal or state-licensed lender, and to reject any loan offer that you cannot afford or find unacceptable. By submitting your information through this website, you authorize the website owner and its network of lenders to conduct a credit check, which may involve verifying your social security number, driver’s license, or other identification, and reviewing your creditworthiness. Credit checks are typically performed by major credit bureaus like Experian, Equifax, or TransUnion, but may also involve alternative credit bureaus such as Clarity or DataX. You also authorize the sharing of your information and credit history with the network of lenders and service providers. This service may not be available in all states.

Lender’s or Lending Partner’s Disclosure of Terms

When a lender decides to offer you a loan, it is required by law to provide documents that contain all fees and rate information pertaining to that loan, including any potential fees for late-payments, and the terms (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or financial service provider based on their internal policies, underwriting criteria and applicable law. This website has no knowledge of or control over the loan terms offered to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss payment options.

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