1. We are not a lender
compareloanapps.com is not a lender, a broker, a loan servicer, or a money transmitter. We do not originate, fund, approve, deny, service, or collect on any loan. We do not make credit decisions. We do not take your application. We do not receive or hold your personal financial information in order to send it to a lender.
When you click a link to a loan app on this site, you leave compareloanapps.com. The company you land on is solely responsible for deciding whether to lend to you, the terms of that loan, and how your data is handled from that point forward. Read their terms, privacy policy, and app-store listing before you apply.
2. We are not your financial advisor
Nothing on this site is financial advice, legal advice, tax advice, or investment advice. We are not a registered investment advisor, a broker-dealer, or a CFP. The content here is educational and editorial. It is based on public data, product documentation, and the editorial judgment of our named editors at the time of publication.
Every borrower’s situation is different. A product that makes sense for one person can be the wrong product for another. If you are making a meaningful financial decision, particularly one involving debt, consider speaking with a non-profit credit counselor (for example through the NFCC) or a licensed professional in your state.
3. Affiliate and partner disclosure
Some links on this site are affiliate links or sponsored partner links. If you click one of those links and then sign up, get approved, or fund a loan with that partner, compareloanapps.com may receive a referral fee from the partner. That fee does not come out of your pocket and it does not change the terms of any loan you receive.
Editorial and affiliate are kept separate. Our rankings, ratings, “Editor’s Pick” marks, and the order of results on the comparison page are based on the public methodology we document on that page. We do not trade rank for payment. Outbound sponsored links are marked with rel="nofollow sponsored noopener" per Google’s published guidance.
4. Rates, terms and APRs change
APRs, subscription fees, tip schedules, advance limits, funding speeds, and minimum-credit requirements shown on this site are estimates based on the lender’s public marketing and product documentation at the time of publication. Lenders change terms frequently. State-specific caps change. Promotional rates expire. The exact cost you will be offered depends on the lender’s underwriting model, your credit profile, your state of residence, and the product tier you sign up for.
Always verify the current terms inside the lender’s own app or on their own website before you apply. If something on this site looks wrong, tell us (contact) and we will fix it.
5. State availability and licensing
Loan apps are not universally available across all 50 US states. State lending laws, APR caps, and licensing requirements vary considerably. An app featured on this site may not be available in your state, or may operate there under different terms. The state availability information we publish is a best-effort snapshot. Before you apply, confirm availability on the lender’s own disclosures.
We do not compare lenders licensed to operate outside the United States. Everything on this site is US-consumer focused.
6. Third-party sites and apps
We link to third-party websites and app-store listings throughout this site. We do not control those sites and are not responsible for their content, privacy practices, advertising, or security. A link is not an endorsement of every product or claim on the destination.
7. Accuracy and corrections
We work hard to keep product data accurate. We still make mistakes. If you find something that is out of date or wrong, email us via the contact page and we will correct it and note the correction date in the article or product card.
8. Borrow carefully
Borrowing is a tool. Used well, a loan app can smooth cash flow, cover an emergency, or help you avoid an overdraft fee. Used badly, it can compound into a debt spiral, damage your credit, and make next month worse. Before you borrow: estimate whether you can actually repay on schedule, understand the real cost (including tips and subscription fees), and read the contract. If you are already struggling with debt, a free credit-counselor consultation is usually a better first step than another loan.