Please read this disclosure carefully
At the very least, please read the short version of this Ad Disclosure directly below.
Short Version
This site offers a free, for-profit, advertiser-supported financial comparison and marketing service. When you submit the form on this site, we send your information to lenders and third-party lender networks that are not lenders to try to connect you with a lender.
We and our network partners may also share your contact information with other third-party marketing partners that may offer you other credit-related products or services, such as debt relief, credit repair or credit monitoring.
We receive financial compensation from these various partners in exchange for connecting you with them, sharing your information with them and/or marketing their products and services to you.
This compensation allows us to offer our service for free to you and make a financial profit. This compensation may impact which providers you are connected with and the placement of advertisements.
For additional information about our privacy practices, please see our Privacy Policy.
Long Version
Strongly recommended. The following information provides additional details about how our advertising and marketing service works.
We first share your information with the lenders in our network
When you submit a form on this site, our proprietary loan marketplace processes this information to determine which lenders in our network have expressed interest in offering a loan to consumers like you.
We then share all of your information with these lenders so they can decide whether and how much they are willing to pay us to be connected with you.
If only one lender is willing to pay us to be connected to you, we connect you with that lender. If more than one lender is willing to pay us to be connected with you, our proprietary algorithm uses a number of variables to determine which lender to connect you with.
However, the amount the lender is willing to pay us is likely to be the most important variable impacting which lender we connect you with.
We do not exercise any control over any lenders and we do not endorse any specific lender.
Most users that are connected with a lender using our service are connected to lenders in our extended network, and not with lenders in our direct network.
We will likely share your information with non-lender third-party lender networks
If none of the lenders in our network are willing to pay us to be connected with you, we then share your information with our extended network of non-lender third-party lender networks (“Lender Networks”) to see if any of the lenders in their networks are willing to pay us to be connected with you.
These Lender Networks are loan marketing companies that are commonly referred to as “lead aggregators.”
These Lender Networks show your information to the lenders in their network to see if any are willing to pay them (and, indirectly, us) to be connected with you.
If only one Lender Network has a lender that is willing to pay to be connected with you, we and the Lender Network connect you with that lender.
If more than one Lender Network has a lender in their network that wants to pay to be connected with you, our proprietary algorithm uses a number of variables to determine which Lender Network we will use.
However, the amount the Lender Network is willing to pay us is likely to be the most important variable impacting which Lender Network’s lender we choose to connect you with.
Our Lender Networks do not share the identities of their lenders with us, and so we do not know which lender you are connected with if you are connected through a Lender Network.
We utilize Lender Networks both because they increase the likelihood our users will be connected with a lender, and because they help us make a financial profit from our free-to-consumer service.
Our Lending Partners’ service providers may also process your information
Many of our lenders and Lender Networks (together “Lending Partners”) use service providers to manage their online consumer acquisition, facilitate their purchasing of internet traffic from websites like ours, verify your identity and information, look up your credit history, or for other reasons related to your loan request.
These service providers may receive and process your data on behalf of the Lending Partners they work for.
In some cases, we receive compensation from these service providers and not from the lender directly.
You may receive offers for different loan products or loan amounts
We may connect you with a lender that offers you different loan amounts, loan terms, or rates than those you stated a preference for.
If we are able to connect you with a lender, their identity will only be disclosed to you after you have submitted our form.
We may redirect you to their site to see more about their loans. They may reach out to you directly by phone, SMS and/or email.
You can review their offers and decide whether to take out a loan with them. We highly recommend you compare multiple lenders and offers so you can make an informed decision.
We may show you ads for other finance-related products or services
Right after we have attempted to connect you with a lender, we may also show you ads for lenders and/or other finance-related products or services, such as debt relief, credit repair or credit monitoring.
We use some of the information you provide on our form to choose which of these products or services to advertise to you.
If you click on these ads, we may share your contact information with these advertisers so they can contact you about their products or services.
We are compensated by these advertisers. How much they pay us impacts which ads we show you and the placement of those ads.
We may continue to market finance-related products or services with the help of third parties
When you use our service, you agree to be added to our marketing lists so we can market to you after you are done using our service.
We may send you ads or offers for loans and/or other credit-related products or services by email, SMS, phone, postal mail or other methods.
We often utilize third-party advertising service providers to conduct this advertising on our behalf.
These service providers will receive and process your contact information that is reasonably necessary to send you ads.
These service providers may also use their own technical service providers to facilitate delivery of advertisements.
More important information about our service
You should always compare other options and make your own informed decision about the best products or services for your unique situation.
Legal Disclaimer
Fund Sanction’s Terms of Use and Privacy Policy apply to the use of this website and its services. Fund Sanction connects borrowers with lenders or lending partners and thus the specific terms and conditions of the specific lender or lending partner will apply to any loan a borrower takes out.
We are compensated by these lenders or lending partners for connecting you with them, and the compensation received may affect which offer you are presented with.
Any display of APR, loan amounts, interest or other loan details are estimations only, and actual amounts will vary by lender or lending partner and by borrower.
Please note that some lenders or lending partners may perform credit checks as part of their credit transaction approval process.
The lender or lending partner you connect with may not offer the best possible terms and borrowers should always compare all available options before making any decisions.
THE OWNERS AND OPERATORS OF THIS WEBSITE ARE NOT LENDERS, THEY DO NOT BROKER LOANS AND THEY DO NOT MAKE LOANS OR CREDIT DECISIONS.
Nothing on this website is an offer or a solicitation to lend. Any information you submit to this site will be provided to a lender or lending partner.
Material Disclosure
The operator of this website is not a lender, loan broker or agent for any lender or loan broker.
This website is not an offer of credit nor is it a solicitation to lend. We are not affiliated with any lender.
We are an advertising referral service for lenders that may be able to offer loans. There is no fee to use our services.
Your loan request submitted on this website may be shared with one or more lenders.
There is no guarantee that you will be connected with a lender, your loan request will be approved by a lender, or you will be offered the loan amount requested.
Lenders may perform a credit check to determine your creditworthiness or verify your information.
If you are offered a loan, it may not necessarily have the best rates or terms.
APR Disclosure
The Annual Percentage Rate (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.
Your actual rate will depend upon your credit score, loan amount, loan term, and credit usage and history.
Some states have laws limiting the APR that a lender can charge you.
Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.
Credit Implications
The operator of this website does not make any credit decisions. Lenders in our network may obtain credit scores or credit reports through credit reporting agencies or alternative providers to determine your creditworthiness.
By submitting your information to us, you agree to allow participating lenders to verify your information and check your credit.
Late payments may result in additional fees or collection activities, or both.
Nonpayment of credit could result in collection activities and your lender may report late payment history to consumer reporting agencies, which could impact future lending decisions.
Each lender has its own terms and conditions. Please review your lender’s policies for further information.
Contact Fund Sanction
For questions about our service, advertising practices or disclosures, please contact us.