Advertiser & Lending Disclosure

We are a free loan-request service, not a lender. We do not make credit decisions, set rates or terms, or send loan money. Lenders in our network decide whether to make an offer.

When you submit the request form, we pass your details to lenders and lending partners that may lend in your state. Some partners are networks that pass requests on to lenders of their own. If a lender makes an offer, the lender's page shows its terms, and any loan agreement you sign is between you and that lender.

We do not guarantee that you will receive an offer, a particular APR or money by a particular date. Our service is not available in every state, and loan amounts run from $500 to $5,000.

Lenders and lending partners may pay us when we pass a request to them, when a borrower takes a step such as viewing an offer, or when a loan is funded. You do not pay us.

Payment amounts differ by lender and partner, and they can change over time. Some pay a set amount per request they accept. Others pay only when a loan is made. The amount we receive is never added to your loan balance by us, and our service sets no fee on your loan.

Lenders cover their own costs, including what they pay for customer requests, through the interest and fees on their loans. Those costs are part of the APR the lender shows you, which is why comparing APR is the best way to judge any offer.

Compensation can affect which lenders receive your request, the order in which they see it, and which offer you are shown first. The offer shown first is not always the lowest-cost one.

• Our network does not include every lender in the market, so better terms may exist elsewhere.
• A partner that pays more may be offered a request before a partner that pays less.
• Lenders decide on their own whether to make an offer, and payment to us does not change their credit rules.
• The first offer you see is not a recommendation that it is the best loan for you.

Compare any offer with a bank or credit union before you accept. Our guide to comparing lenders shows what to line up side by side: APR, fees, term, total repaid and prepayment rules.

Submitting a request through our service is free, and you have no obligation to accept any offer. You can decline an offer, or ignore it, without owing us anything.

The loan itself is not free. Lenders charge interest, and some charge an origination fee taken from the loan amount or added to it. Late fees may apply if a payment is missed. Each lender must show the APR and total cost before you sign.

Personal loans for $500 to $5,000 typically carry APRs from roughly 6% to 36%, set by each lender. Many lenders cap their APR at 35.99%, and terms commonly run 3 to 36 months.

The lowest rates usually go to borrowers with strong credit and steady income. Borrowers with fair or limited credit tend to see rates toward the top of the range. A shorter term raises the monthly payment but lowers total interest. Our personal loan rates guide explains each factor.

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

If you arrived here after a search for Grace Loan Advance, you may also see other businesses with names that look alike. We do not speak for them and do not publish facts about their rates, ownership or ratings. Check the legal name on any website or loan agreement before you share personal details.

Lenders and partners do not write, pay for, review or approve our guides. Our writers and editors decide what to cover and how, using standard loan math and plain language.

A guide may mention a type of product, such as a credit union loan or a balance transfer card, when it fits the reader's question, even though we earn nothing from it. When a guide links to the request form, that link is clearly labeled. You can read how guides are checked on our about page.