Lending Disclosure
valuefirstfinance.com ("the Site," "we," "us") is not a lender and does not make credit decisions. We operate solely as an advertising and referral service: information you submit is shared with third-party lenders, lending networks, and financial service providers ("Providers") who may, at their sole discretion, extend an offer. We do not guarantee that any Provider will contact you or extend an offer. Short-term loan products referenced through the Site are intended for temporary financial needs, not as a long-term financial solution. Annual Percentage Rates on such products vary by Provider, applicant creditworthiness, and state of residence, and may reach up to 195%. We are not an agent or representative of any Provider, do not endorse any specific Provider or product, and have no control over, or liability for, the rates, fees, or terms a Provider may offer. You are solely responsible for reviewing and understanding the terms of any offer before accepting it and are under no obligation to accept any offer presented to you. All questions regarding a specific loan or offer must be directed to the issuing Provider. We receive compensation from Providers for each referral, which may influence the Providers, offers, or placement you are shown. Use of the Site is governed by our Terms of Use and Privacy Policy.
Credit Reporting Disclosure
The Site does not perform credit checks or obtain credit reports. By submitting a request, you provide written consent, as required under the Fair Credit Reporting Act, for Providers and their affiliates to obtain your credit report, credit score, and related consumer data from Equifax, Experian, TransUnion, and/or alternative data sources, for purposes of eligibility, verification, and offer matching. Late or missed payments on any loan may be reported to credit bureaus and may negatively affect your credit score.
No Guarantee of Match or Approval
Submission of a request does not guarantee that you will be matched with a Provider, approved for any product, or offered terms you find acceptable. Eligibility varies by Provider and state of residence. The Site does not list every Provider available in the marketplace, and you are encouraged to independently review and compare any offer received.
