Free to use. No impact to your credit when you check your rate with our partners. Compare loan options across 1,000+ US lenders. Bad credit? Thin file? Self-employed? We help borrowers in every situation. We are not a lender. Editorial guidance, plain English, no hype. Loan amounts from $1,000 to $50,000 - rates and terms set by individual lenders. Free to use. No impact to your credit when you check your rate with our partners. Compare loan options across 1,000+ US lenders. Bad credit? Thin file? Self-employed? We help borrowers in every situation. We are not a lender. Editorial guidance, plain English, no hype. Loan amounts from $1,000 to $50,000 - rates and terms set by individual lenders.
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We are not a lender, broker, or financial advisor

Trust Point Loans is an independent personal-finance content and lender-matching site. We are not a lender. We are not a broker. We are not a financial, tax, or legal advisor. We do not originate loans, fund loans, or make credit decisions.

This is not financial, tax, or legal advice

Articles, guides, and comparisons on this site are educational and reflect our editorial judgment. They are not personalized financial, tax, or legal advice. Your situation is unique. For advice tailored to your specific circumstances, consult a licensed professional.

Rates, terms, and approvals are set by lenders

APR ranges, fees, loan amounts, term lengths, eligibility criteria, and funding speeds are set by individual lenders and may change at any time. We do not guarantee that you will qualify for any product, that you will receive a specific rate, or that a featured product will remain available. Always confirm current terms with the lender before applying.

Eligibility and state availability

You must be 18 or older and a US resident to use Trust Point Loans or to apply with featured lenders through our links. Some lenders, products, APRs, and loan amounts are not available in every state. State-level rate caps, licensing rules, and lender disclosure requirements can change which options are open to you.

Soft and hard credit pulls

Several lender partners we feature offer rate checks with a soft credit pull, which does not affect your credit score. A hard credit pull only happens if you choose to formally apply with a lender. The lender's own page will tell you which type of pull they use at each step.

Accuracy and updates

We work to keep articles current. Consumer credit moves quickly, and a rate or fee that was accurate at publication may have changed since. If you spot an outdated detail, the contact page is the fastest way to flag it.

Authoritative resources

For consumer-credit rules, complaints, and educational material, we point readers to the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). State financial regulators handle state-specific rate caps and licensing.