Not-a-Lender Disclaimer

1. Who we are

HH Advertising, Inc. (“HH Advertising”) is an advertising company that runs a free loan matching service. HH Advertising is not a lender, loan broker, bank, credit union, credit services organization, debt relief provider or financial advisor.

HH Advertising does not lend money, make credit decisions, make or negotiate loan offers, set rates or fees, sign loan agreements, fund loans, service accounts or collect payments. With your consent, it passes your request to participating lenders.

2. Loan ranges

Participating lenders offer $250 to $2,500, repayable over 75 days – 24 months, at APRs of 8.99% to 35.99%. No participating lender requires full repayment within 60 days. The amount you choose is a request; you may be offered less or nothing.

3. Representative example

4. No guarantee

A request doesn’t guarantee a match, contact, offer or approval. Lenders apply their own criteria, including income, employment, bank history, credit and state of residence. Lenders don’t operate everywhere, and offers aren’t available in every state.

5. Credit checks

HH Advertising doesn’t pull your credit, and a request through HH Advertising doesn’t affect your score. Lenders may obtain reports from credit bureaus or other consumer reporting agencies; a hard inquiry when you apply may affect your score.

6. Late and missed payments

Your lender’s agreement and state law determine the consequences, which may include late fees, returned-payment fees from your lender or bank, collections and negative credit reporting that can lower your score. If trouble is coming, call your lender before the due date.

7. Renewals and refinancing

Each lender sets its own renewal, extension and refinancing policy within state law. Ask about it, and its cost, before you sign.

8. How we’re paid

HH Advertising is free to you. Lenders and marketing partners pay us for referrals, applications or funded loans. This may affect which lenders get your request and the order of offers, never the terms offered. See How We Earn.

9. Eligibility

U.S. residents aged 18 or older (19 in Alabama and Nebraska, 21 in Mississippi). Lenders may require more.

10. General information

Nothing on our site or app is financial, legal or tax advice.

11. Lender websites

A lender’s site or app has its own terms and privacy policy. HH Advertising isn’t responsible for lender content, products or conduct.

12. Upfront-fee warning

HH Advertising never asks for money to submit, process or guarantee a loan. If someone does in our name, don’t pay; tell us.

13. Contact