Frequently asked questions

Loan LendingScore360 is an online service that helps you explore loan options that may be offered by independent third-party lenders and providers. We are not a lender, and we do not make credit decisions.

No. We do not lend money, set rates, or approve applications. Any loan offer, along with its rate, fees, and terms, comes directly from the provider that makes it.

There is no charge to use this website or to submit a request. A provider you choose to work with may charge interest and fees, which it must disclose in its own terms.

You explore the loan categories, share a few details about what you need, and review any options that may be available. If you decide to continue, you complete the process directly with the provider and review its final terms before accepting anything.

We review the information you provided. If options that may match your request are available, you may be contacted using the details you shared, as described in our TCPA Disclosure and Privacy Policy. Submitting a request does not guarantee that you will receive an offer.

Funding times are set by each provider and depend on its review process, your eligibility, and your bank. We cannot promise a specific funding date.

Each provider sets its own eligibility criteria. Common requirements include being at least 18 years old (or the age of majority in your state), being a U.S. resident, having a regular source of income, and having an active bank account.

Some providers consider applicants with a range of credit histories, but approval and terms depend on each provider's criteria. Your credit profile can affect the rates and terms you are offered.

No. Approval is never guaranteed. Whether you are approved, and on what terms, is decided by the provider after reviewing your information.

We do not set rates. Each provider determines its rate based on factors such as your credit history, income, loan amount, and state regulations. Rates and terms can change at any time.

Common fees include origination fees, late payment fees, and returned payment fees. Providers must disclose fees in their loan agreement. Review them before you sign.

APR (annual percentage rate) shows the yearly cost of borrowing, including interest and certain fees. Comparing APRs is one of the clearest ways to compare offers with different terms.

We use your information to respond to your request and to look for options that may match it. Our Privacy Policy explains what we collect, how we use and share it, and the choices you have.

We do not check your credit when you submit the form on this website. If you continue with a provider, that provider may check your credit, which could include a hard inquiry. Ask the provider before you apply.

You can withdraw your consent at any time. See our TCPA Disclosure for how to opt out, or contact us using the details in the footer.

Our request form asks for your loan purpose, the amount you are looking for, your ZIP code, your name, an email address, and a phone number. A provider may ask for more information if you choose to apply with it.

Yes. Contact us using the details in the footer and include the email address you used. We will update or remove your request as described in our Privacy Policy.

Review the APR, total repayment amount, fees, payment schedule, and what happens if you miss a payment. Only accept an offer you understand and can afford for the full term.