Credit Genie is an independent, advertising-supported lead-generation service. We are not a lender, loan broker, or agent for any lender. We connect consumers with lending partners that may offer loans with terms of 61 days or more.
1. Our Role
Credit Genie provides a free service that helps consumers explore online funding options by matching them with lending partners. We do not make credit decisions, and we are not a party to any loan agreement you may enter into with a lender. Compensation is received from lending partners for connecting consumers who may be seeking funding.
2. Advertising Compensation
The lending partners in our network compensate Credit Genie for leads generated through the Service. This compensation may affect the placement and order in which partner offers are presented. It does not influence the educational content we publish.
3. No Guarantee of Offers
Submitting your information through the Service does not guarantee that you will receive an offer from a lender, nor that you will receive an offer for the amount you requested. Offers are determined solely by the lender based on your creditworthiness, income, and other factors.
4. APR and Terms
APRs from our lending partners range from 5.99% to 35.99%. The actual APR and terms offered to you will be disclosed by the lender before you accept any offer. Loans offered by our partners have terms of 61 days or more. For a representative example, see our Rates & Disclosures page.
5. Responsible Borrowing
Borrowing should be used responsibly and only for needs that fit within your budget. Funding options are not a long-term financial solution. You should carefully review any offer and consider whether repayment fits your circumstances before accepting.
6. State Availability
The availability of loan products and lending partners varies by state. Residents of certain states may not be eligible for all products. Your ZIP code helps us determine which partners may serve you.
7. Contact
Questions about this disclosure may be directed to support@creditsgene.com or by calling +1 (888) 556-1077. Mail: 1209 North Orange Street, Wilmington, DE 19801, USA.