How We Make Money
Friendly Loans is free to use. Here is a straightforward explanation of how our business model works and how that may affect what you see on our platform.
Our platform is free for consumers
Friendly Loans connects consumers with participating third-party providers who may offer personal loans, auto title loans, and other financial products. We do not charge users any fees for submitting their information or reviewing available options.
We are not a lender, do not issue loans, and do not make credit decisions. Every offer or connection made through our platform comes from an independent third-party provider operating under their own terms and licensing.
How we get paid
We may receive compensation from participating third-party providers when consumers are connected with financial products or services through our platform.
The compensation we receive varies by provider and product type. Not all providers pay the same amount, and arrangements may differ across product categories.
How we present lender options
Friendly Loans receives compensation from the lenders we match consumers to. Compensation differences between lenders do not influence the order or selection of lender options presented to you. Our matching is based on factors unrelated to lender payment, including:
- Lender qualification criteria (FICO range, income thresholds, state availability, loan amount range)
- Consumer-stated needs (loan purpose, amount requested, repayment preference)
- Our internal vetting (regulatory standing, transparent rate disclosures, operating history)
The options presented may be a subset of all available lenders in the market rather than every lender. If you would like to research additional options outside our network, the CFPB maintains consumer financial product resources at consumerfinance.gov.
What this means for you
Our service is always free to use. We encourage you to review any offer carefully before proceeding, including the APR, repayment terms, fees, and eligibility requirements set by the third-party provider.
Our platform is a starting point for exploring your options, not a substitute for your own due diligence when selecting a financial product.
Questions
If you have questions about how we operate or how your information is handled, please review our Advertiser Disclosure and Privacy Policy, or contact us at support@friendly.loans.