Short Version
loanhelper4you.com provides a free, advertiser-supported loan comparison and referral service. When you submit information on our site, we share your inquiry with lenders and third-party lender networks (also known as lead aggregators) to determine whether any participating lender is interested in reviewing your request.
We and our advertising partners may also share your contact information with other third-party marketing partners that offer credit-related services, including but not limited to:
- credit monitoring,
- credit repair,
- debt relief, and
- other financial products.
We receive financial compensation from lenders, lender networks, and marketing partners when:
- we connect you with them,
- we share your information with them, and/or
- we display their ads or promote their services.
This compensation allows us to offer our service at no cost to you and may influence:
- which lenders or partners you are connected with, and
- the placement and order of advertisements or offers you see.
If you are not comfortable with multiple lenders, lender networks, and service providers accessing or processing your information, you should not use this website.
If you do not want to receive marketing communications about loans or other credit-related services, you should not use this website.
For more information about how we collect, use, and share information, please review our Privacy Policy.
Long Version (Strongly Recommended)
1. How loanhelper4you.com Shares Your Information With Lenders
When you complete and submit a form on CheckLoanRates.online, our proprietary marketplace reviews your information and determines which participating lenders have expressed interest in reviewing loan requests like yours.
We then share all information you submit with those interested lenders so they can decide whether they want to be connected with you.
If only one lender expresses interest, you will be connected with that lender.
If multiple lenders express interest, an algorithm determines which single lender you are connected with.
Compensation offered to us by the lender is typically a major factor in determining the connection outcome.
CheckLoanRates.online does not control lender decisions and does not endorse any lender.
Most users matched through our system are connected with lenders in our extended network, not our direct partner list.
2. Sharing Your Information With Third-Party Lender Networks
If none of the lenders in our direct network choose to connect with you, we may share your information with non-lender third-party lender networks (“Lender Networks”).
These Lender Networks will share your information with lenders in their networks to see if any lender is willing to pay them (and indirectly us) to be connected with you.
We do not know:
- which lenders within those networks receive your information,
- how many lenders review your details, or
- which lender you may ultimately be connected with.
We use Lender Networks to:
- increase the likelihood that your loan request receives a response, and
- operate a free-to-consumer service supported by paid advertising.
3. Lenders’ and Lender Networks’ Service Providers
Many lenders and Lender Networks use third-party service providers for:
- identity verification,
- credit checks,
- fraud prevention,
- data processing, and
- marketing or customer outreach.
These service providers may receive and process your information on behalf of the lender or Lender Network.
In some cases, we may receive compensation from these service providers instead of directly from lenders.
4. You May Receive Different Loan Amounts or Terms
A lender may offer you loan amounts, terms, or rates different from your stated preferences. Lender identities are disclosed only after you submit your form, and lenders may contact you directly by phone, SMS, or email.
You should compare multiple offers, terms, fees, and repayment conditions before agreeing to any loan.
5. Advertising for Other Financial Products
Immediately after we attempt to connect you with a lender, you may be shown ads for:
- additional lenders,
- debt relief programs,
- credit repair services,
- credit monitoring, or
- other financial products.
When you click an ad, we may share your contact information with that advertiser so they can reach out to you.
Advertisers do not receive the full data you submit on our form but may know you are seeking a loan.
Compensation from advertisers influences:
- which ads you see,
- their placement,
- and their order.
6. Ongoing Marketing Communications
By using our service, you authorize CheckLoanRates.online and our marketing partners to send you loan offers and other credit-related advertisements by:
- phone,
- SMS text,
- email,
- postal mail,
- or other communication methods.
These communications may continue even after your loan inquiry is complete.
You may opt out at any time using the instructions provided in each communication.
We may use reputable third-party advertising service providers to deliver these messages on our behalf.
7. Important Limitations of Our Service
- CheckLoanRates.online does not offer or originate loans;
- does not have access to all lenders or all available loan products;
- does not guarantee that you will receive a loan;
- and cannot guarantee specific rates, terms, or qualification outcomes.