The operators of this website are not a lender, do not broker personal loans and they do not make any short term cash loans or any credit decisions. Nothing on this website is an offer or a solicitation to lend directly. This website helps borrowers find good and bad credit personal loans by referring them to our partners for long-term loans, otherwise known as installment loans as well as alternative loans, credit lines and credit cards. Simply providing your information on this website does not automatically guarantee an approval, unless otherwise stated. Any questions concerning actual product offerings should be directed to the potential loan lender. We urge you to read our entire website so that you are aware of all of the information that we provide. DCU Advance is a loan matching company. We review the information that you provide to us and if you meet certain requirements, we refer you to lenders or partners with which we do business (“partners”), whom we believe are most likely to provide you with a loan or credit extension based on our assessment of your information. Repayment terms vary by lender and local laws, and not everyone will qualify for the maximum borrowing repayment terms of 72 months. The APR, borrowing term and amount that you may be eligible for will be determined by several key variables including but not limited to your credit score, income and total debt as well as state limits. At DCU Advance, we will provide you with the opportunity to provide us with your credit score, but we will never run your credit, which can result in a reduction of your credit score by a small number of points each time that it is run. This website does not constitute an offer or solicitation to lend. DCU Advance is not a lender and does not make loans or credit decisions directly. DCU Advance is not acting as a representative, agent, or correspondent for any of the partners. DCU Advance does not control and is not responsible for the actions or inactions of any partner. DCU Advance does not endorse any particular partner or loan product. You are under no obligation to use DCU Advance service to initiate contact or apply for a loan or credit with any of the partners. DCU Advance does not guarantee that your submission of our online form will result in you being matched with a partner, being offered a loan with rates or terms that are acceptable to you, or receiving a loan, unless otherwise stated. Participating partners may take steps to verify the accuracy of the information that you have provided including, but not limited to, your social security number, driver’s license number, national ID, or any other state or federal identifications and may review the information against national databases including, but not limited to, Equifax, Transunion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. In addition, if your application results in a loan offer, they may use your personal information to market their services to you. We may financially benefit from anything you read or click on while visiting our site. All loans are inevitable subject to final credit approval by a lender. All of the lenders we work with can offer free rate quotes with no impact to your credit whatsoever. We have some Loan Providers that are able to issue pre-approval quotes without performing any credit check, and other Loan Providers that can issue pre-approvals and approvals via a soft credit check (no impact to your FICO credit score or rating). We have some Loan Providers, that once matched with, may need to collect additional information from you including your SSN, for the purpose of doing a soft credit inquiry to determine whether or not to extend potential offers to you. There is no impact to your credit score or rating when a lender performs a soft credit inquiry. Once you receive and accept a guaranteed offer, we will hand you off to that partner for the purpose of you becoming their client. During the process of finalizing your financing, some Loan Providers may need to perform a final hard credit inquiry. Those Loan Providers will ask for your permission prior to doing so.