Material disclosure
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% and 1386%, APRs for installment loans range from 6.63% to 225%, and APRs for personal loans range from 4.99% to 450% 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 APR 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. APR rates are subject to change.

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 $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts 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 and is not an offer to lend. 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, including APR. 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, their 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, apply for credit or any loan product, or accept a loan from a participating lender. Cash 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. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use this website or service. The states serviced by this website may change from time to time, without notice.

How we use and share your information
Your Own Funding is a free, for-profit, advertiser-supported service.

We share your information with Lending Partners
We share the information you provide to us with our “Lending Partners” including:

-Qualified lenders in our network
-Other third-party lender networks outside of our network
-The Lending Partner you are connected with will only be shown after you submit your information. If we connect you with a Lending Partner, we may redirect you to their site to see more about their products and services. We may also connect you with Lending Partners that offer different loan amounts, terms, types or rates than those you stated a preference for. You can review their offers and quotes and decide whether to accept at no cost to you. They may call, text or email you about the loan you are interested in.

We may share your information with other finance-related services
We may share your information with or show you ads for credit or finance-related companies offering services such as debt relief, credit repair or credit monitoring. They may contact you by call, text or email.

More information about our Lending Partners
This website does not have access to all lenders or all available loan products.

We cannot provide you with a list of the Lending Partners that saw your information to decide whether to offer you a loan.

We may be compensated for sharing your information or connecting you with Lending Partners
Many factors impact which Lending Partners we try to connect you with. How much they pay us has a big impact. You may be connected with the highest bidder, which may not offer the best loan terms. Always carefully review the details of loan offers shown to you and compare it with other options.

We may be compensated for sharing your information with our Lending Partners or with finance-related companies. Generally, we are paid more for helping you find a successful loan.

This disclosure is not intended to fully and completely describe all the advertising activities of this site or its affiliates and partners.

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