We're a matching service, not a lender
US Lending does not lend money and does not make credit decisions. We connect you with third-party lenders and financial service providers in our network for personal loans, debt settlement, credit repair, and mortgage products. The lender you're matched with sets its own approval criteria, rates, and terms, and those vary by state.
Where the money comes from
When we match you with a lender or service provider and that connection leads to business for them, the partner pays US Lending a referral or marketing fee. That fee is how we cover the cost of building the site, maintaining our network, and keeping the service free for you.
You never pay us anything. There is no fee to submit an inquiry, no fee to see your matches, and no charge for using anything on this site. Any legitimate lender takes its fees out of the loan itself — never as an upfront payment. If a company ever asks you to pay a fee before you receive a loan, that's a red flag for a scam. Learn how to spot loan scams.
How we keep it fair
Getting paid a referral fee does not change the rate or terms a lender offers you, and it does not raise your APR. Your rate is determined by the lender based on your credit profile and the state you live in. Every lender we match you with is required to disclose your exact APR, fees, and repayment terms before you accept anything — so you always compare real offers, not our incentives.
We also don't publish "best lender" rankings that are secretly pay-to-play. Our guides are written to correct misconceptions and help you make a clear-eyed decision, including telling you when not to borrow. See how loan matching actually works and whether US Lending is legit.
What we don't do
- We don't charge you to use the service.
- We don't sell you a loan or set your interest rate.
- We don't let referral fees change the offer a lender makes you.
- We don't share your SMS opt-in data with third parties for their own marketing. See our Privacy Policy.
Quick Questions
Does US Lending charge me anything?
No. Submitting an inquiry and receiving lender matches is completely free. We never charge you a fee, and any legitimate lender takes its fees from the loan itself, never as an upfront payment.
How does US Lending make money if it's free?
When we match you with a lender or service provider in our network, that partner pays US Lending a referral or marketing fee. You pay nothing, and the fee does not change the rate or terms the lender offers you.
Does US Lending get paid more to show me a worse loan?
No. Referral fees do not raise your APR or fees. Your rate and terms are set by the lender based on your credit profile and state, and every matched lender must disclose your exact APR, fees, and terms before you accept anything.