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Lending Policy

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The operator of this website is NOT a lender or a broker, does not make offers for loans and does not charge you for any service or products. This site allows you to submit your information to our network of lenders to determine if they may be able to offer you a personal loan ranging from $200 up to $10,000. The actual amounts, terms, and APR a customer could qualify for will vary based on credit scores, individual lender requirements, and state laws. Not all lenders can provide up to $10,000. Services are not available in all states. Credit checks may be obtained by some lenders. By using our website, content and services, you agree to our Terms of Use, Privacy Policy, and Disclaimer.

Because LoanUp IS NOT A LENDER, we cannot ultimately decide whether or not you are approved for a loan. We also cannot determine or influence the amount of money you may receive from using our referral services. The operator of this web site will share the information you provide with participating lenders, advertisers, networks and other partners who may or may not lend or issue credit. Providing your information on this web site does not guarantee that you will be chosen by a lender or approved for a loan. We do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.

Because each lender is different and LoanUp has no control over the rates and fees each lender charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion. LoanUp cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your short-term loan, please contact your lender directly. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who submit a request for credit will be chosen by a lender or approved for a loan. If you are not chosen by a lender in the participating lender network, your information may be offered to participating third party advertisers and generators for consideration.

It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.

The loans that may be offered by a lender are expensive forms of credit and are intended to provide you with short-term financing to solve immediate financial needs and should not be considered a long-term solution. If you are having serious financial issues, it is often best to consult with a professional credit counselor.

In some cases, you may be given the option of obtaining a loan from a tribal lender. Lenders that are an extension of a federally recognized Indian Tribe are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms, although such lenders conform to federal lending laws including the Truth in Lending Act. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.

Advertising Disclosures

Loanup.com is a for-profit advertising network. We receive compensation, in the form of referral fees, from the lenders and/or lending partners, networks, or other offers that we direct you to. Therefore, the amount of compensation provided, along with other factors, may impact which offer you are presented. The offer you receive may be coming from the company that bid the most for your information. Loanup.com does not always provide you with an offer with the best rates or terms. Our website does not include all companies or all available offers. We encourage you to research all available loans options to you.

Please note that Loanup.com is NOT a lender or lending partner. Our service is completely free, and all the loan terms are between you and the lender and/or lending partner. After submitting your information, if you are selected by a lender or lending partner, Loanup.com will redirect you to their website where you will be able to review and ultimately decide if you would like to agree to the terms and conditions of the loan. In many cases, the lender and/or lending partner will then contact you to confirm your personal information and finalize the loan. They may contact you via telephone, email, text messages, etc. Please make sure that you respond in a timely manner. Many consumers may not qualify for a large personal loan, in which case we will try to connect you with another lender outside of our personal loan network. These companies typically offer products with smaller loan amounts, shorter repayment periods, and higher APRs. You should always read the terms and conditions of the loan offer in full before proceeding. For details, questions, or concerns regarding your loan, please contact your lender and/or lending partner directly. The operator of this website provides a referral service for consumers seeking online lending options and complies with applicable federal laws and regulations pertaining to this service.