Important Legal Disclosures

Your safety and understanding matter. Please review the information below to know exactly how our platform works and what to expect when exploring personal loan options.

We Are Not a Lender

Best Personal Loans Near Me:

  • Does not make loans

  • Does not approve or deny loan applications

  • Does not set APRs, loan amounts, terms, or fees

  • Does not make credit decisions

All lending decisions are made exclusively by independent third-party lenders.

How Our Service Works

When you submit your information:

  1. We may share it with lending partners that operate in your state
  2. Lenders review your details based on their own criteria
  3. A lender may or may not present you with a loan offer
  4. You are always free to decline any loan

Using our platform does not guarantee:

  • Approval
  • Funding
  • A specific APR
  • A specific loan amount
  • Loan availability in your state

We act solely as a referral and marketing platform.

No Guarantees of Approval or Terms

Submitting your information does not mean you will receive a loan offer.
 Any potential offer depends entirely on:

  • Lender underwriting

  • Credit history

  • Income

  • Debt obligations

  • State regulations

Please verify all details directly with the lender before moving forward.

Credit Inquiry Notice

Lenders may use different types of credit checks:

Soft Inquiry (Initial Review)

  • Typically does not impact your credit score

  • Used to help lenders estimate your potential eligibility

Hard Inquiry (Final Approval)

  • May impact your credit score

  • Performed only if you choose to move forward with a lender’s offer

Always read the lender’s credit disclosure before proceeding.

Fees, APRs & Loan Terms

All details related to:

  • APR

     

  • Loan amount

     

  • Repayment term

     

  • Fees

     

  • Funding time

     

  • Total repayment cost

     

…are determined solely by the lender, not by Best Personal Loans Near Me.

APR ranges and terms vary significantly depending on:

  • Lender

     

  • State laws

     

  • Creditworthiness

     

  • Loan purpose

     

We do not influence or alter lender terms.

State Regulations

Each state has different lending laws.
 Some states have:

  • Specific APR caps

  • Fee restrictions

  • Minimum or maximum loan amounts

  • Licensing requirements

Your eligibility and available products may vary based on your residence.

Responsible Borrowing Reminder

We believe in encouraging borrowers to:

  • Understand the total cost of any loan

  • Borrow only what they need

  • Avoid borrowing repeatedly to cover ongoing expenses

  • Compare offers before accepting

  • Ask questions if something isn’t clear

Financial decisions should support your stability, not complicate it.

Information Accuracy

We strive to keep all information on our website accurate and up to date.
 However:

  • Lender terms can change without notice

  • Loan availability may vary

  • State regulations evolve

For the most accurate information, always rely on the lender’s disclosures and agreements.

Contact Information

If you have questions about how our platform works or how we connect you with lenders, please contact us through our support page.

Final Legal Notice

Using our website or submitting your information constitutes acceptance of these disclosures.

Best Personal Loans Near Me is not responsible for:

  • Lender actions

  • Lender decisions

  • Loan agreements

  • Credit outcomes

  • Financial consequences of any loan you choose to accept

Review all documents carefully before agreeing to any loan.

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