FundingRiver is not a lender and does not make credit decisions, sets no rates or fees, and is not a party to any loan agreement. It is a free advertising and connection service operated by FundingRiver LLC: we transmit the request you submit to lenders and lending partners in our network, and each of them decides independently whether to contact you and on what terms. Submitting a request is not an application for credit with FundingRiver and does not guarantee an offer. Loan amounts, rates, fees and terms are set by the lender. In Michigan a lender that is not licensed here may not charge more than 25% simple interest a year (Mich. Comp. Laws § 438.41); a licensed Regulatory Loan Act lender may charge more on a consumer loan up to $25,000. Completing this form does not affect your credit score; a lender may run its own credit check with your consent. FundingRiver never asks you to pay a fee in advance in exchange for a promise of a loan. Requests are not accepted from residents of New York, West Virginia and Vermont.