Who We Are in This Transaction
Reliant Funding is a loan connection service, not a lender. We do not make loans, make credit decisions, or set rates, fees, or terms. Every loan offered through this site comes from an independent lender in our network, and your agreement is with that lender alone.
Because we are not a lender, we cannot guarantee that any application will result in an offer, and we cannot promise any particular rate, amount, or funding time. Statements on this site about typical timing, ranges, and processes describe how the network commonly operates; your experience is determined by the lender that reviews your specific application.
How We Are Compensated
Lenders in our network pay Reliant Funding for introductions — typically when a completed application is presented to them or when a connection results. Borrowers never pay us anything for any part of this service.
This compensation is how a free-to-borrowers service exists at all, and you should understand its shape honestly. Compensation may influence which lenders participate in the network and, in some cases, the order or manner in which applications are presented among lenders. It does not change the rate or terms any individual lender offers you — lenders price applications on their own underwriting — and it never adds any cost to your loan. We are not a comparison site claiming to survey the whole market: our Compare Lenders page profiles the wider market for education, but the offers you receive through us come from our network specifically. Treat us as one channel worth comparing, because that is what we are.
What Your Loan May Cost
Network lenders offer personal loans of $500 to $5,000, and APRs vary widely by lender, state, and applicant profile. Representative example: a $2,000 loan repaid in 12 monthly payments at 24% APR carries payments of about $189, for a total repayment of approximately $2,269. This is an estimate, not an offer.
Your actual APR, payment, fees, and schedule are disclosed by your lender in writing before you sign, as federal truth-in-lending rules require, and those disclosed numbers are the only numbers that bind anyone. Loan terms in this market are commonly measured in months, not years; APRs for smaller short-term loans can be substantially higher than the example above, particularly for applicants with limited or damaged credit — our rates page publishes honest ranges. Late fees and returned-payment fees, where charged, are set by the lender and stated in your agreement. Read every offer with the five-numbers ritual before accepting; declining costs nothing.
Availability, Credit Checks, and Limitations
Loans are not available in all states, and available amounts and terms differ by state law and by lender. Lenders may perform credit checks through major bureaus or alternative providers — initial soft inquiries do not affect your score; a lender's final underwriting may involve a hard inquiry.
Submitting an application is a request to be connected, not a promise of connection: lenders may decline any application per their own criteria, and no one — least of all us — can honestly advertise guaranteed approval. Loan proceeds are intended for personal, family, and household purposes. Repayment terms, renewal policies where applicable, and collection practices are the lender's, governed by your agreement and applicable law; nonpayment can result in fees and credit reporting by the lender as described in your agreement. If you are experiencing difficulty repaying, contact your lender before a due date — most maintain hardship processes, and earlier is always cheaper.
Our Education and Your Decisions
The guides, calculators, and examples on this site are general information, not financial, legal, or tax advice, and are not a substitute for the disclosures in an actual loan offer.
We work hard to keep published numbers realistic and clearly labeled as estimates, and we correct errors when readers report them. But no guide can know your situation: the terms in your specific offer, your budget, and your judgment outrank anything general we publish. Where this page and any lender's actual disclosure differ, the lender's disclosure controls your loan. Where this page and your instincts differ about whether to borrow at all, we have written an entire library encouraging you to trust the instinct that says wait, save, negotiate, or shrink the amount — and we mean it.