Straightforward answers about what we do, how rates work, and what happens after you submit a request.
General
Get Credit Free is a free marketing service that helps consumers explore personal loan options by checking their information against a network of third-party lenders. We do not lend money ourselves.
No. Get Credit Free is not a lender and does not make loan or credit decisions of any kind. We do not underwrite, fund, or service loans. Any loan offer you receive comes directly from a third-party lender, not from us. See our full disclosures for more detail.
No. It is always free to submit your information and explore your options through Get Credit Free. We are compensated by the lenders in our network, never by consumers.
No. Submitting your information starts the matching process, but it is not a loan application and does not guarantee that any lender will make you an offer, or what the terms of that offer would be.
Rates & Terms
Get Credit Free does not set rates and cannot quote one in advance. Rates are determined entirely by the lender based on factors like your credit profile, income, loan amount, and the laws of your state. Any lender who makes you an offer is required to disclose the exact APR and total cost to you before you accept anything.
Because we work with multiple independent lenders, each with their own underwriting criteria and rate structures that can change over time and vary by state, we are not in a position to publish a single rate range that would be accurate for every visitor. This is intentional — we'd rather be honest that it varies than publish a number that wouldn't be true for your specific situation.
Loan amounts available depend on the lenders active in our network and your individual qualifications. You'll select an approximate range when you submit your request.
Get Credit Free never charges a fee to use our service. Any fees associated with an actual loan — origination fees, late fees, etc. — are set by the lender and will be disclosed to you directly before you accept an offer.
The Process
Filling out the form typically takes about five minutes. Response times from our lender network vary, but many consumers hear back within minutes of submitting.
Your information is checked against lenders in our network. If a match is found, that lender will present their offer — rate, term, and total cost — directly to you for your review.
No. You are never obligated to accept any offer presented to you. Review the terms carefully and decide what's right for your situation.
Not every request results in a match — availability depends on the lenders active in our network at the time, your state, and your individual qualifications.
Privacy & Security
Yes. Information submitted through Get Credit Free is encrypted using industry-standard 256-bit SSL encryption during transmission.
Your information is shared only with lenders in our network for the purpose of finding you a potential match. See our Privacy Policy for full detail on how your data is collected, used, and shared.
If you consent when submitting the form, lenders and Get Credit Free may contact you by phone, text, or email regarding your inquiry. You can review the exact consent language on our inquiry form.
