Advertiser Disclosure & Disclaimer

Last Updated: July 13, 2026

Not a Lender

Helpful Lending Now (helpfullendingnow.com) is a free loan-connection marketplace. We are not a lender, do not make credit decisions, do not broker loans, and do not charge consumers any fee for our service. When you submit a request, your information may be shared with lenders and lending partners in our network who may be able to offer you a loan.

How We Are Compensated

We may receive compensation from lenders or lending partners when we refer consumers who subsequently obtain a loan. This compensation may affect which lenders receive your request and the order in which offers are presented. It never affects the rates or terms you are offered, which are determined solely by each lender.

APR Disclosure & Representative Example

Annual Percentage Rates (APR) offered through our lending network typically range from 5.99% to 35.99%, with loan amounts from $500 to $5,000 and repayment terms that vary by lender. Your actual rate depends on your credit profile, income, state of residence, and the individual lender's criteria.

Representative example: A $2,000 personal loan repaid over 24 months at 24% APR would carry a monthly payment of approximately $105.75, for a total repayment of about $2,538 (total cost of credit about $538). This example is for illustration only; your offer may differ.

Impact on Your Credit

Submitting a request through our form does not affect your credit score. However, lenders you are connected with may perform a soft or hard credit inquiry as part of their approval process. A hard inquiry may affect your credit score. Late or missed payments on any loan can negatively impact your credit and may result in additional fees charged by the lender.

State Availability

Loan products are not available in all states. Availability, loan amounts, and terms vary based on state law and individual lender policies. Residents of some states may not be eligible for any loan offers through this website.

No Financial Advice

Content on this website, including blog articles and calculators, is provided for general informational purposes only and does not constitute financial, legal, or tax advice. Consider consulting a qualified financial advisor before taking on new debt.

Responsible Lending

Personal loans should be used for short-term financial needs, not as a long-term financial solution. Before accepting any offer, review the lender's full terms, including the APR, finance charges, repayment schedule, and any late-payment or prepayment policies.

Questions

If you have questions about these disclosures, contact us at our contact page or email [email protected].