Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. sparning.com is not a financial services provider and does not make loan or credit decisions. sparning.com connects interested persons with a financial services provider from its network. sparning.com does not control and is not responsible for the actions or inactions of any financial services provider, is not an agent, representative or broker of any financial services provider, and does not endorse any financial services provider. sparning.com receives compensation from its financial services provider, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, sparning.coms service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any offer by any financial services provider, whether tribal or state-licensed, and to reject any particular offer that you cannot afford to repay or that includes terms that are not acceptable to you.
This service is not available in all states. If you request to connect with a financial services provider in a particular state where such offers are prohibited, or in a location where sparning.com does not have an available financial services provider, you will not be connected to a financial services provider.
By submitting your information via this website, you are authorizing sparning.com and its financial services providers to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize sparning.com to share your information and credit history with a network of approved financial services providers.
Lender’s Disclosure of Terms.
The financial services provider you are connected to will provide documents that contain all fees and rate information pertaining to the offer, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the financial services provider based on the financial services provider’s internal policies, underwriting criteria and applicable law. sparning.com has no knowledge of or control over the loan terms offered by a financial services provider. You are urged to read and understand the terms of any loan offered by any financial services provider and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your financial services provider immediately and discuss how to handle late payments.