How OneLoanOffer works
Plain answers about who we are, what we do with your information, and what a loan may cost.
We are not a lender
OneLoanOffer does not lend money, make credit decisions, or set rates. We are a free comparison service. Based on the information you give us, we check our network of lenders and lending partners and connect you with one that may be able to help. You are under no obligation to accept any offer. We are not an agent, representative, broker or affiliate of any lender. If a lender accepts your request, you will be taken to that lender's site to review and sign the loan agreement; all fees and rates are disclosed there before you sign.
How we are paid
Lenders and partners pay us when we connect them with a consumer. That is how the service stays free for you. Payment never changes the rate or terms you are offered.
Representative rates and terms
Personal loans from our partners typically range from 5.99% to 35.99% APR with terms of 3 to 72 months. Minimum term: 3 months. Maximum term: 72 months. Maximum APR: 35.99%. Example: a $5,000 loan over 36 months at 15.99% APR has 36 monthly payments of about $176, total repayment about $6,336. Rates depend on your credit, income, state and the lender. Not all applicants qualify. Some partners offer short-term or higher-cost products; their terms are disclosed by that partner before you agree to anything.
Credit checks
Using OneLoanOffer does not affect your credit score. A lender may perform a soft inquiry to pre-qualify you and a hard inquiry only if you proceed with an application on their site.
Availability by state
Lenders are licensed by state. This service is not available in all states, and the lenders available to you depend on where you live.
Ways to improve your odds
Request a smaller amount, add a co-signer where allowed, check that your reported income is accurate, and consider credit-builder products if your score is below 600. Checking again in 30 days after paying down a balance often changes the outcome.
Privacy
We collect the information you enter, your IP address, device and browser details, and how you move through our pages. We share the information you provide with the lender or partner we connect you with, and with service providers who help us run the site. We do not sell your information to data brokers. Contact partners@oneloanoffer.com to ask what we hold or to have it deleted.
Terms of use
By using this site you confirm you are 18 or older and a US resident, that the information you provide is accurate, and that you understand OneLoanOffer is a comparison service only. The site is provided as is; we are not responsible for any lender's decision, product or conduct.
Contact
partners@oneloanoffer.com · OneLoanOffer, a Marketing Chowk company.