Disclosures

Advertising and affiliate disclosure

LoanOctopus.com is an independent, advertising-supported publisher. We may receive compensation when you click a link to a lending partner or provider and apply for a product. This compensation may influence which offers we link to and where those links appear.

This does not change the results of our calculators, which compute only from the numbers you enter, and it does not change the sourced facts in our guides and state references, which name their publisher.

We are not a lender

LoanOctopus.com is not a lender, a loan broker, or a credit repair organisation. We do not make credit decisions, we do not take applications, and we do not charge you any fee. Any application you submit is made directly to a third-party lender under that lender's own terms and privacy policy.

Not financial advice

Nothing on this site is financial, legal or credit advice. Rates, fees, terms and eligibility vary by lender, by state and by your credit profile. Always review the official terms from a licensed lender before you borrow.

Rates and APR

Any rate or APR mentioned on this site is an example or a sourced figure, not an offer. Advertised rates typically require excellent credit and may change without notice. The rate you are offered will depend on your creditworthiness and the lender's own criteria.

Accuracy of sourced facts

Where we state a legal limit or rule, we cite the publisher and the date. Laws change; verify with the regulator linked on the page before relying on a figure.

Struggling with debt?

If you are having difficulty repaying debt, consider contacting a nonprofit credit counselling service or your state's consumer protection office before taking on more credit.