IMPORTANT: TrueRateGuide is NOT a lender, insurer, broker, or financial institution of any kind. We do not originate loans, issue insurance policies, or make credit decisions. We are a free online comparison marketplace only.
1. What TrueRateGuide Is
TrueRateGuide.com is an independent online comparison and lead generation platform headquartered in the United States. We help consumers research and compare financial products — including personal loans, auto insurance, credit cards, and home improvement financing — by connecting them with third-party lenders, insurers, and financial service providers.
We operate as a marketing and referral service. When you submit a request on our site, your information may be shared with one or more licensed third-party providers who may contact you with offers. We are compensated by these providers when a referral is made.
2. We Are Not a Lender
TrueRateGuide does not:
- Lend money or extend credit of any kind
- Make credit approval or denial decisions
- Determine loan amounts, interest rates, or repayment terms
- Issue, underwrite, or bind insurance policies
- Act as a mortgage broker, banker, or servicer
- Hold, transfer, or manage your funds
- Provide investment, legal, or financial advice
Any loan or insurance product you receive is provided directly by a licensed third-party lender or insurer, and your agreement will be solely between you and that provider.
3. Licensing
TrueRateGuide is not required to hold a lending license, insurance license, or brokerage license because we do not engage in regulated lending, insurance, or brokerage activities. We are a publisher and marketing referral platform.
All lenders, insurers, and financial providers in our network are independently licensed and regulated in the states where they operate. Each participating provider is responsible for maintaining all applicable state and federal licenses required for their specific products and services.
If you have questions about a specific provider's licensing, please contact that provider directly or check your state's financial regulatory agency.
4. Fair Credit Reporting Act (FCRA) Notice
TrueRateGuide is not a Consumer Reporting Agency as defined by the Fair Credit Reporting Act (FCRA). We do not compile or provide consumer credit reports. When you submit a request, participating lenders may perform a soft credit inquiry to pre-qualify you, which does not affect your credit score. If you proceed with a formal loan application through a lender, that lender may perform a hard credit inquiry, which may affect your credit score.
5. Telephone Consumer Protection Act (TCPA) Notice
By submitting your contact information on TrueRateGuide, you provide express written consent for TrueRateGuide and/or its marketing partners to contact you at the phone number provided, including via automated telephone dialing systems, pre-recorded messages, and/or text/SMS messages, regarding financial products and services. Consent is not a condition of purchase. You may revoke consent at any time by replying STOP to any text message or by contacting us at legal@truerateguide.com.
6. State-Specific Notices
California Residents: You have specific rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete your data, and the right to opt-out of the sale of your personal information. See our CCPA Privacy Notice for full details.
All States: Loan availability, amounts, rates, and terms vary by state and individual lender. Not all products are available in all states. Completing a form on our site does not guarantee you will receive any offer from any lender or provider.
7. Advertiser Disclosure
TrueRateGuide is an advertising-supported comparison service. We are compensated by the companies featured on our site when users submit requests or click on offers. This compensation may impact which products appear on our site and where they appear. TrueRateGuide does not include all lenders or financial products available in the marketplace. Our editorial content is separate from our advertiser relationships. See our How We Earn page for more information.
8. Annual Percentage Rate (APR) Disclosures
Personal Loans: APRs typically range from 5.99% to 35.99%. Loan terms typically range from 12 to 84 months. Actual rates depend on creditworthiness, loan amount, and lender.
Credit Cards: Variable APRs may apply. See individual card terms for details.
Auto Insurance: Premiums vary based on driving history, vehicle, coverage selected, and state.
Home Improvement Financing: Rates and terms vary by lender and project type.
All rates shown are for illustrative purposes only. Your actual rate will be determined by the lender or insurer based on your specific information and qualifications.
9. No Guarantee of Offers
Submitting a request through TrueRateGuide does not guarantee that you will receive any loan offer, insurance quote, or financial product. Approval decisions are made solely by participating third-party providers based on their own underwriting criteria.
10. Contact Us
For questions about our licensing disclosures or regulatory compliance, please contact us at:
TrueRateGuide
Email: legal@truerateguide.com
Website: www.truerateguide.com