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Articles | Offers | Legal

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Material Disclosure

APR Disclosure.
Annual Percentage Rate (APR) refers to the annual interest generated by a sum that is then charged to borrowers. APR is expressed as a percentage that represents the annual cost of borrowing over the term of the loan. This figure includes any fees or additional costs associated with the loan. The APR provides consumers with one bottom-line number they can use to compare various financing offers or investment products. MyLoanGPS.net cannot guarantee any APR as we are not a lender ourselves. APRs can generally range from approximately 5.99% up to 35.99%. Loan products typically have a 61-day minimum repayment term and a 6-year maximum repayment term. When considering a loan offer from a lender within the MyLoanGPS.net network, please review all agreement documentation carefully, as the APR and repayment terms may differ from what is listed on our site. Representative examples of APR can be found in the Loan Information section of our homepage.

Legal Disclaimer:
MyLoanGPS.net connects borrowers with lenders or other lending partners. The specific terms and conditions of any loan will be determined by the lender or lending partner providing the offer. We are compensated by these lenders or lending partners for connecting you with them, and such compensation may influence the offers presented. Please note that any information provided regarding APR, loan amounts, interest rates, or other loan specifics is intended as an approximate guide only. The final terms will depend on the lender or lending partner and your individual circumstances. Some lenders or lending partners may perform credit checks as part of their approval process. As such, the lender or lending partner you are connected with might not offer the best possible terms available, and borrowers should compare all available options before making a decision. In some cases, you may be connected with a tribal lender, whose rates and fees could differ from those of state-licensed lenders, as they are subject to federal and tribal laws rather than state laws.
PLEASE NOTE THAT MYLOANGPS.NET AND ITS OWNERS/OPERATORS ARE NOT LENDERS. We do not broker loans, make loans, or render credit decisions. Nothing on this website constitutes an offer or solicitation to lend. Any information you provide on this site may be shared with a lender or lending partner. The operator of this website is not an agent, representative, or broker of any lender or lending partner and does not endorse or charge you for any service or product.

Material Disclosure:
The operator of this website is not a lender, loan broker, or agent for any lender or loan broker. MyLoanGPS.net operates solely as an advertising referral service to qualified, participating lenders who may be able to offer cash advance loans ranging between $100 and $1,000, installment loans up to $5,000, or other loan products up to $35,000. Not all lenders can provide these amounts, and there is no guarantee that you will be approved by any independent, participating lender. This service does not constitute an offer or solicitation for any loan product that may be restricted by state law, and we do not set or predict the interest rates and finance charges applied by lenders. This is not a solicitation for any specific loan product and is not an offer to lend. We do not endorse or charge for any service or product. Any compensation we receive is paid by the participating lenders strictly for advertising services provided. This service and its offers are void where prohibited by law. We do not control, and are not responsible for, the actions or policies of any lender. We do not have access to the full terms of your loan—such as the APR—which may vary based on factors including your creditworthiness, state of residence, and the lender or lending partner. For further details or questions regarding your loan, please contact the lender directly. Any registration information you submit will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit, or accept a loan offer; however, it is your responsibility to carefully review and agree to the terms of any loan offer.

Service Role and Limitations:
MyLoanGPS.net acts solely as a referral service and is not a lender. We do not determine or predict the fees, interest rates, or other financial aspects of any loans you may be offered by participating lenders. Our role is to connect you with a network of qualified lenders, and we do not participate in any decision-making process regarding loan approvals, terms, or conditions. Please understand that our service does not guarantee any specific loan terms or outcomes.

Exclusions:
Residents of certain states may not be eligible for some or all types of short-term or small-dollar loans. For example, residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia may be ineligible to use this website or service. The list of states served by this website may change at any time without prior notice.

Credit Implications:
The operator of this website does not make any credit decisions. Independent, participating lenders with whom you might be connected may perform credit checks with credit reporting bureaus or obtain consumer reports—often via alternative providers—to assess your creditworthiness, credit standing, and/or credit capacity. By submitting your information, you authorize participating lenders to verify your details and perform credit checks. Please be aware that missing or making late payments on a loan can negatively affect your credit score. Loans offered by independent, participating lenders are generally designed for short-term repayment and are not a solution for long-term debt challenges. Borrow only what you can repay by your next pay period. Consider seeking professional advice regarding your financial situation, potential risks, and alternatives to short-term loans. Late payments may incur additional fees or lead to collection activities, and each lender sets its own terms and conditions. MyLoanGPS.net does not engage in debt collection—the collection practices of each lender are outlined in their respective agreements. Renewal policies also vary by lender, so please review your lender’s specific policy.

MyLoanGPS.net Disclaimer:
MyLoanGPS.net is a trading name of MyLoanGPS. We operate solely as a referral service and do not directly fund any credit product. Your inquiry will be referred to a third-party lender who will contact you directly to assess if they can meet your financing needs. The third-party lender will advise you regarding their fees, charges, and terms before you enter into any contractual agreement. We may receive a referral fee from the lender based on the outcome of your application. It is recommended that you obtain independent legal and financial advice before accepting any product to which you may be referred or offered.

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