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Advertiser Disclosure

Credeniel is a for-profit advertising platform. We receive compensation from lenders, aggregators, or third-party providers for directing users to their offers. The offers you may receive could be influenced by the amount of compensation we receive and other factors. As such, you may not always be presented with the lowest possible rates or best terms available in the market. We recommend that you compare multiple offers and conduct your own research before making a financial decision.

Not a Lender or Loan Broker

  • Credeniel does not broker loans, make credit decisions, or issue any financial products.
  • This website serves solely as a platform to forward your information to potential lenders or aggregators.
  • Submitting your details does not guarantee loan approval. Loan offers and eligibility vary by lender and applicant profile.

In some instances, you may be matched with tribal lenders, who operate under tribal laws and may not be subject to certain state lending regulations, such as interest rate caps. These lenders may charge higher fees and may require that disputes be resolved under tribal jurisdiction. Please review all loan terms carefully.

Your information may also be shared with aggregators or marketers, which can result in multiple offers. Credeniel does not endorse or charge you for any loan product, and we are not an agent or representative of any lender.

Loan Availability & Terms

  • Not all lenders offer loans up to $20,000.
  • Fund disbursement timelines may vary depending on the lender and your financial institution.
  • Some lenders may require additional documentation, including faxed paperwork.
  • Loan services may not be available in all states, and availability is subject to change without notice.
  • Loans offered through this site are intended for short-term financial relief and should not be viewed as a long-term financial solution.
  • Some state residents may not qualify based on specific lender criteria.

Credit Check Disclosure

Lenders may perform credit checks through major credit bureaus including Experian, Equifax, or TransUnion. Some lenders may also use alternative data sources or providers to evaluate your application.


Anti-Spam Policy

Credeniel strictly prohibits the use of unsolicited email marketing referencing our website or brand. Any violation of this policy will lead to the termination of affiliate or advertising partnerships and may result in legal action where applicable.

If you believe you have received an unsolicited email promoting our services, please review our [Privacy Policy] and submit a complaint. We take such matters seriously and will investigate all complaints promptly.

Rates & Fees

The exact terms of your loan will depend on several factors, including the loan amount, repayment duration, your state of residence, income source, and credit or repayment history. Each lender has its own criteria, so for specific questions about your loan terms, please contact your lender directly.

Representative Loan Example

Loan Amount$3,000
Loan Term48 months
Repayment ScheduleMonthly
APR27.00%
Monthly Payment$163.14
Total Repayment$3,915.38
Origination FeeVaries by lender

Please note: Loans under $1,000 may have different APRs and repayment structures than the example provided above.

We encourage you to carefully review the terms offered by your lender and ask questions if anything is unclear before accepting any loan agreement.

How It Works

When you need money now, with no resolution in sight, a personal loan can be the answer to your problems. Our website process is simple, safe, secure, and convenient:

  • Fill out our short, secure online loan request and submit. Our network of lenders will then review your information to see if they can offer you loan options.
  • If approved by a lender, you will be presented with the next steps related to your loan request details and documents for review.
  • Review your online loan documents and retain a copy. You may be required to electronically e-sign your agreement.
  • Your loan will then be deposited directly into your bank account, typically within one business day.

Qualifying for a Loan

Although your loan request may be accepted with any type of credit, there are still a few basic requirements you must meet in order to qualify. Please check with your lending institution on additional requirements that may apply to your loan request.