Legal
Disclosures
Creative Loans USA is not a lender and does not make credit decisions. Rates, terms and loan amounts vary by lender and state. Not all applicants qualify. Submitting a request does not guarantee approval.
Loan Terms & Amounts
Loan amounts range from $500 to $5,000. Minimum repayment term: 91 days. Maximum repayment term: 72 months (6 years). All loan products offered through this platform require repayment in full in 91 days or longer.
APR Range
Our network of direct lenders may offer APRs ranging from 6.99% to 35.99%, with repayment terms from 91 days to 72 months, depending on the lender and your qualifications. APR is calculated in accordance with the Truth in Lending Act (TILA), 12 CFR Part 1026, and includes the interest rate plus applicable fees such as origination fees. Maximum APR: 35.99%. Minimum APR: 6.99%.
Representative Example
A loan of $2,000 repaid over 24 months at an interest rate of 19.00% with a 5.00% origination fee ($100) results in 24 monthly payments of $100.82 and an APR of 24.12%. Total interest paid: $419.68. Total loan cost: $2,519.68. Your actual rate, fees, payment and total cost depend on the lender, your qualifications, the loan amount and the term selected.
No Guarantee of Approval
Submitting an inquiry or application does not guarantee loan approval or a specific loan offer. All applications are subject to credit review, identity verification, income verification, and lender underwriting criteria. Approval and final loan terms are at the sole discretion of the participating lender.
Credit Inquiry
Checking your rate uses a soft credit pull and will not affect your credit score. Proceeding with a full loan application may result in a hard credit inquiry, which may temporarily affect your credit score. State availability, loan terms, rates, and fees vary by lender and are subject to change without notice. Not available in all states.
Platform Disclosure
Creative Loans USA is a loan-matching service and is not a lender. Creative Loans USA connects consumers with loan options offered by licensed lending partners. Creative Loans USA does not make credit decisions, does not guarantee approval or specific loan terms, and loan availability may vary by state. Creative Loans USA may receive compensation from lending partners in connection with loans, which does not influence the loan terms offered to you. Please review all loan terms, rates, and fees carefully before accepting any offer.
Risk Warning
Borrowing money involves financial risk. Failure to repay a loan on time may result in additional fees, negative credit reporting, and collections activity. Only borrow what you can comfortably repay. If you are experiencing financial difficulty, consider contacting a nonprofit credit counseling agency such as the NFCC (nfcc.org) for free guidance.
TCPA Notice
If you continue to a lending partner’s application and provide a phone number and email address there, you may be asked to consent to receive informational and account-related calls, emails, and SMS/text messages from Creative Loans USA and its partners. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages at any time. Reply HELP for help. Consent to receive marketing communications is not a condition of obtaining a loan. See our Privacy Policy for full details.