Disclosures

Last updated: October 9, 2026

Advertiser disclosure

NeedMoreFunds is a free service that helps connect consumers with lenders and lending partners. We are not a lender and we don't make loans or credit decisions. We may receive compensation from lenders and partners when we share your request with them or when you take out a loan. That compensation may affect which lenders you're connected with and the order in which options are presented. We don't include every lender or every loan product available in the market.

Rates, fees and terms

Loan amounts	$1,000 to $50,000
Repayment terms	12 to 72 months (never shorter than 61 days)
Annual Percentage Rate (APR)	5.99% to 35.99%
Origination fees	Some lenders charge a one-time origination fee, typically 1% to 10% of the loan amount. It is included in the APR.

The APR is the yearly cost of a loan, including interest and most fees. Your actual APR, fees, loan amount and term depend on the lender and on factors such as your credit history, income, debts and state of residence. The lowest rates are available only to the most creditworthy applicants. Not all lenders offer every amount, term or rate, and not all applicants will qualify.

Representative example

Credit checks

Submitting a request through NeedMoreFunds does not run a credit check and does not affect your credit score. If you choose to continue with a lender, the lender may check your credit. A soft inquiry doesn't affect your score; a hard inquiry may lower it. Lenders may also verify your identity, income and employment with consumer reporting agencies and other sources.

Late payments and non-payment

If you take out a loan, it's important to make your payments on time. Late or missed payments may result in late fees and other charges set out in your loan agreement, collection activity, and reports to one or more credit bureaus, which can lower your credit score and make it harder to borrow in the future. If a loan goes unpaid, the lender may refer or sell it to a collection agency. Lenders must follow applicable federal and state collection laws, including the Fair Debt Collection Practices Act where it applies. If you're having trouble paying, contact your lender as soon as possible.

Renewal and refinancing

Personal loans offered through lenders in our network are generally installment loans that are paid off in full by the end of the term and are not automatically renewed or rolled over. Some lenders may offer refinancing, which may involve new fees and a new credit review. Read your loan agreement for the lender's specific policies, including any prepayment terms.

Military Lending Act notice

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Lenders are responsible for providing this notice and any required disclosures to covered borrowers.

Equal Credit Opportunity Act notice

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, or age (provided the applicant has the capacity to contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning most lenders is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.

State availability

Our service, and the lenders and loan products available through it, are not available in all states. Loan amounts, rates, fees and terms may be limited by state law. Lenders are responsible for complying with the licensing and lending laws of the states where they make loans.

Questions or complaints

Contact us at support@needmorefunds.com. Questions about a specific loan should go to your lender. You can also submit a complaint about a financial product or service to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or (855) 411-2372.