Loan Disclosures

1. Newton Simon is not a lender

Newton Simon Advertising and Marketing, Inc. (“Newton Simon”) is an advertising and marketing company. Through Newton Simon, it passes consumer loan requests to participating lenders. Newton Simon is not a lender, loan broker, bank, credit union, credit services organization, debt relief company or financial advisor. Newton Simon does not extend credit, decide on applications, make or negotiate offers, set rates or fees, sign loan agreements, fund loans, service accounts or collect payments.

2. Loan ranges

Participating lenders offer loans of $300 to $3,500, repayable over 91 days to 30 months, at APRs from 7.49% to 35.99%. No participating lender requires full repayment within 60 days. The amount you enter is a request; you may be offered less or nothing.

3. Representative example

4. Approval and availability

Submitting a request does not guarantee a match, contact, an offer or approval. Lenders use their own criteria, such as income, employment, bank history, credit history and state of residence. Lenders do not operate in every state, and offers are not available in all states.

5. Credit inquiries

Newton Simon does not obtain your credit report, and a request through Newton Simon does not affect your credit score. Lenders may obtain reports from credit bureaus or other consumer reporting agencies; a hard inquiry made when you apply may affect your score.

6. Late payment and non-payment

Your loan agreement and state law govern the consequences of paying late or not paying. They may include late fees, returned-payment fees charged by your lender or bank, collection activity and negative reporting to credit bureaus, which can lower your credit score. If you foresee difficulty, contact your lender before the due date.

7. Renewals and refinancing

Lenders set their own policies on renewal, extension and refinancing within state law. Ask the lender about these policies and their cost before you sign.

8. Compensation

Newton Simon is free for consumers. Participating lenders and marketing partners compensate Newton Simon for referrals, applications or funded loans. This may affect which lenders receive your request and the order in which offers appear; it does not affect the terms a lender offers. See Partner Compensation.

9. Eligibility

You must be a U.S. resident and at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi). Lenders may impose additional requirements.

10. Information only

Material on our website and app is general information and is not financial, legal or tax advice.

11. Lender sites

Continuing with a lender may take you to its website or app, where the lender’s own terms and privacy policy apply. Newton Simon is not responsible for lender content, products or conduct.

12. Upfront payments

Newton Simon never requests payment to submit, process or guarantee a loan. If anyone asks for one in our name, do not pay and contact us.

13. Contact