About personal-loan.ai

What we are

personal-loan.ai is a US-based personal-loan marketplace. We are not a lender. We do not take loan applications, set rates, or make credit decisions. When you submit your information through our form, we connect you with one or more lenders in our network who may extend you an offer based on the details you provide. The lending relationship is entirely between you and the lender you choose to work with.

How we make money

We earn a referral fee from lenders in our network when borrowers we connect them with are funded. This is the standard lead-generation model for online personal-loan marketplaces. The fee comes from the lender, not from you — it does not change the rate or terms a lender quotes. We disclose this relationship anywhere we compare or describe specific lenders.

Editorial standards

Our editorial team writes guides, comparisons, and tools to help you make informed borrowing decisions. We follow these standards on every page:

• No fabricated rates or terms. Specific APRs and fees change daily. We use phrasing like “typically” or “as of recent industry data” and link to primary sources where possible.
• Primary sources first. When we cite numbers, we link to the source — most often the Federal Reserve, the Consumer Financial Protection Bureau (CFPB), the Bureau of Labor Statistics, or lender disclosures.
• No qualification guarantees. Whether you qualify for a loan and at what rate is the lender's decision, not ours. We never claim to guarantee approval.
• No personalized advice. Our content is general information, not financial, legal, or tax advice. Decisions about borrowing should reflect your full financial picture.
• Updated regularly. Each page shows when it was last reviewed.

How we compare lenders

When we describe or compare lenders, we look at publicly disclosed APR ranges, loan amounts, term lengths, fees, eligibility criteria, and funding speed. We do not adjust our coverage based on which lenders pay us higher referral fees. If we run a comparison page or guide that includes lenders we have a referral relationship with, we say so on the page.

Soft-pull rate checks

Submitting your information through our form does not affect your credit score — the initial pre-qualification uses a soft inquiry. If you choose to proceed with a specific lender after seeing their offer, that lender may perform a hard inquiry, which they will disclose to you before doing so.

Contact

Editorial questions or corrections: editorial@personal-loan.ai
Privacy: privacy@personal-loan.ai
Legal: legal@personal-loan.ai