Our Commitment to You
Your financial well-being is our priority. Our goal is to help you make informed, confident financial decisions. While we may not display every product or provider available in the market, the information and tools we provide are designed to be objective, independent, and free to use. To remain transparent, we disclose that we may receive compensation from partners when you click on a link, submit an application, or open an account. This compensation may influence which products appear and where they are placed within the app, but it does not affect our recommendations or the guidance we provide, which are based on research and editorial independence. Partners cannot pay us for favorable reviews.
Not all providers or products are included. Offers that we show may not include all financial institutions, products, or rates available to you. Other options—potentially with different or lower pricing—may be available outside our platform.
We do not issue credit decisions. Some partners (such as Engine by MoneyLion) are not lenders and do not make credit determinations. Any lender or financial institution you select will require its own application and will make its own credit decision.
Rates, terms, and availability vary. All product terms (including APR, fees, deposits, APYs, eligibility criteria, and state availability) are provided without guarantee and are subject to each provider’s discretion. Your personal financial situation—including creditworthiness, income, location, property details, or vehicle details—may affect the offers you receive.
Privacy and security practices differ. Financial institutions you interact with may have privacy and security practices that differ from ours. Review each partner’s policies before proceeding.
Equal Credit Opportunity Act (ECOA)
We and our partners support the principles of ECOA and do not discriminate based on race, color, religion, national origin, sex, marital status, age (if able to contract), income derived from public assistance, or the exercise of rights under the Consumer Credit Protection Act.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate may earn compensation when you click on a credit card link, when your application is approved, or when an account is opened. Compensation may affect how and where products appear, except where prohibited by law for mortgage or home-lending products. Bankrate does not include all financial or credit products available in the market.
Engine by MoneyLion (“Engine”) is not a lender and does not offer credit directly. Engine does not endorse or recommend specific financial institutions or products, and does not accept applications, make credit decisions, or guarantee outcomes.
Loan offers may differ from your requested amount or product type (e.g., you may see offers for debt relief, credit repair, or credit monitoring).
Rates, fees, and terms are subject to change and may vary by state, lender, and applicant profile. You are responsible for reviewing all lender terms before proceeding.
APR Disclosure:
APR reflects the cost of credit including interest and certain fees. APRs vary based on creditworthiness, loan size, and other factors, subject to state limits and lender policies.
Offers starting at 5.99% APR
Providers may require a Loan Estimate (Good Faith Estimate) with any firm offer of credit. Interest rates in presented offers may change until you and the lender enter into an interest-rate lock agreement. Lenders may charge fees related to rate-lock agreements; refundability varies by provider.
If your home value exceeds your mortgage balance, you may be eligible to borrow against your home’s equity. Under ECOA, you are entitled to receive a copy of any appraisal.
HELOCs are secured by your home. Some HELOCs have variable rates that may rise or fall with market conditions and lender terms. Rate-adjustment caps may limit changes within certain time periods or over the life of the loan. Minimum periodic payments may result in a balloon payment.
Minimum deposit, balance, or funding requirements may apply. All accounts are subject to financial institution approval.
APY Disclosure:
APY reflects total interest earned in a year, including compounding. APY may change before or after account opening.
Product Types:
Refinancing federal student loans may cause you to lose federal benefits or eligibility. Refinancing may not reduce your monthly payments and may extend your loan term. Terms and requirements vary by lender. You may also qualify for federal aid through studentaid.gov.
Auto-loan offers may not include all associated costs (e.g., taxes, licensing, dealer fees). Down payments, trade-ins, rebates, and vehicle type may impact actual terms. Providers may impose minimum or maximum loan amounts based on income, credit profile, and vehicle characteristics.
Refinancing does not guarantee lower payments and may extend the loan term. Auto loans are secured loans, and lenders may hold a lien on the vehicle until the loan is repaid.
APR ranges from 4.64% to 28.55%
