Encoreloan is a free, no obligation financial service, connecting prospective borrowers with prospective lenders for Personal Loans. Encoreloan is not a financial institution or a lender and cannot guarantee final approval of your loan. Qualifying for final approval for a Personal Loan depends on many factors including, but not limited to: income levels, employment status, credit and state of residence. Independent loan companies and lenders may verify your supplied information with a number of independent verification companies including but not limited to: CLVerify, Teletrack, or Accurint. Not all independent loan companies will approve a loan up to $15,000 or approve all credit situations. All applications are subject to credit approval by the lender and the exact terms of your loan (including underwriting criteria for approval, interest and rates, repayment periods and monthly payment information) will be determined and presented to you by your lender. Each lender uses their own policies to determine their terms. You should carefully review each lender's terms and conditions to determine which loan works for you and your personal financial situation. Interest rates and terms are subject to change at any time without notice. Late or missed loan payments may be subject to increased fees and interest rates. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown. The offers on this site are from lenders who provide compensation to Encoreloan.com for provided leads. There is no cost to you to use this service. All reasonable efforts are made to provide and maintain accurate information. The rates set forth herein are examples for illustrative purposes only unless otherwise indicated and are not a guarantee or commitment to loan funds or extend credit. Loans are not available in all states at all requested amounts. If we are unable to connect your application with a lender, we will direct you to additional options to help address your financial needs. This service is not available to residents from New York, West Virginia or the District of Columbia.