About our independent loan-request service

We run a free, independent loan-request service. You fill out one short form, and we pass your request to lenders and lending partners in our network that offer personal loans from $500 to $5,000.

We are not a lender. We do not make credit decisions, set interest rates, or send loan money. When a lender makes an offer, that lender sets the APR, fees, term and approval decision, and that lender pays out the loan if you accept it.

Our service exists because shopping lender by lender takes time. Each application asks for the same details, and each one can mean another phone call or email. One request that reaches several lenders can save you from repeating that work.

• Free to use: you never pay us a fee to submit a request.
• No obligation: you can review an offer and walk away.
• Amounts: requests from $500 to $5,000, with terms commonly 3 to 36 months.
• Availability: our service is not available in every state, and lender coverage changes over time.

We collect your loan request, match it with lenders that may lend in your state and amount range, and pass it on securely. We do not approve loans, promise offers, or charge you anything.

What we do

• Give you one form that asks for the details most lenders need to review a request.
• Send your request to lenders and lending partners in our network that may serve your state.
• Publish plain-language guides on costs, terms and eligibility so you can judge an offer on your own.
• Answer questions about how our service works by email, phone or mail.

What we don't do

• Make credit decisions, approve or deny a loan, or change a lender's decision.
• Set or negotiate the APR, fees, repayment schedule or due dates on any loan.
• Guarantee that you will get an offer, a certain rate, or money by a certain day.
• Collect loan payments or service your account after a loan is made.

You can follow the full path of a request, from the form to a lender's offer page, on our step-by-step guide to how our service works.

We look for lenders and lending partners that state they are licensed or otherwise authorized where they lend, show the APR and full terms before you sign, and offer installment repayment.

No review process can catch every problem, so we describe our approach in general terms rather than claim a perfect filter. These are the points we look at when a lender or partner joins our network and while it stays there:

• Says it holds the licenses or registrations needed in the states where it lends.
• Shows the APR, total cost and payment schedule before you accept, as federal disclosure rules require.
• Offers loans repaid in fixed installments, not single lump-sum repayment products.
• Lends within the $500 to $5,000 range our service covers.
• Takes borrower complaints seriously and responds when we pass one along.

We may be paid by lenders and partners, and that can affect which offers you see. Our advertiser and lending disclosure explains how that works. Whatever offer appears, compare its APR with typical personal loan rates before you accept.

Our guides are drafted by personal finance writers and checked by a consumer credit editor before they go live. Every payment figure comes from a standard amortization calculation and is labeled as an estimate.

1. A writer drafts the guide around one borrower question, such as how long approval takes or what a $2,000 loan costs.
2. Cost figures are calculated with standard amortization math, never estimated by eye.
3. An editor checks the numbers, the plain-language explanations and any legal terms against our personal loan glossary.
4. We update a guide when a figure, rule or common practice changes, or when a reader points out an error.

Our main example is the same across the site: $2,000 borrowed over 12 months at 24.99% APR is about $190.08 a month, or $2,280.94 in total, including $280.94 in interest. That is an estimate, not an offer. You can test other amounts in our personal loan calculator.

Lenders and partners do not write, pay for or approve our guides. If you spot a mistake, email [email protected] and tell us the page and the line, and we will review it.

We are an independent service and are not affiliated with, endorsed by or operated by any other company or lender with a similar name.

People who search for Grace Loan Advance may find several businesses with names that look alike. We do not speak for any of them, and we do not publish claims about their rates, ownership or ratings. When you read Grace Loan Advance reviews or posts on forums, check which company the writer actually dealt with.

Our guide on how to read Grace Loan Advance reviews shows what to look for, such as whether a complaint names a lender, a loan amount and a date. The same checks apply to any loan service you compare.

Adults in states where our network is active can submit a request, usually age 18 or older (19 in Alabama and Nebraska), with a regular income source and a bank account in their name.

Each lender sets its own rules on credit history, income and debt. Some lenders consider fair or limited credit, but no lender in our network must make you an offer. Our eligibility guide lists what lenders commonly check.

Borrow only what you can repay on the schedule offered. A missed payment can bring late fees and hurt your credit score.

You can reach our team by email at [email protected], by phone at (888) 898-6983, or by mail at 2472 Alder Boulevard, Suite 999, Honolulu, HI 96813. We answer questions Monday to Friday, 9am to 5pm Hawaii time.

We can explain how a request moves through our service, but we cannot change a lender's decision or terms. For questions about an existing loan, contact your lender directly. Our contact page lists complaint routes as well.