Disclosure

Marketing Disclosure

Marketing Disclosure

The services provided on this website, including passing submitted information and connecting consumers to lenders and financial products are free. The operators of this website however receive monetary compensation from the lenders a consumer may connect with and whose products are presented through the website, such as a referral for each consumer request they receive. This form of compensation will impact which lenders a consumer may connect with or which offers a consumer may receive from a lender. This form of compensation allows the operators of this website to offer its services for free to consumers. Not all loan products available to consumers in the marketplace may be offered through our free service or available through the lenders you may connect with and consumers are encouraged to conduct research prior to the acceptance of credit. You are under no obligation to accept any loan offer which may be presented to you by a lender.

Credit Disclosure

The operator of this website is not a lender, financial institution, creditor, and does not broker loans, determine creditworthiness, or make credit decisions. Therefore, the operator does not conduct credit checks, obtain credit reports, make lending decisions, or issue loans. However, the lenders and financial service providers you may be connected with through this website could verify the information you submit by accessing your credit reports, credit scores, and confirming your identity. This process may involve credit checks through one or more major credit bureaus—TransUnion, Experian, and Equifax—as well as other alternative consumer data sources. These alternative consumer data sources will vary based on each individual lender or financial service provider. Each lender you may connect with through the website will have different policies and procedures on credit pulls, with some lenders conducting hard pulls and others soft pulls. A “soft credit pull” is typically used for background checks, gauging creditworthiness, or when you check your own credit score and does not affect your credit score at all and isn’t visible on your report. By submitting your information on this website, you are providing express consent, in accordance with the Fair Credit Reporting Act, for lenders and financial service providers to access and use your credit report, credit score, and related consumer information to evaluate your eligibility and verify your identity. Failure to repay loans and credit taken out may negatively impact your credit score should your lender choose to report delinquencies to credit bureaus and therefore, you are encouraged to borrow responsibly. For any questions regarding a specific loan or credit inquiry, you should contact the lender directly.

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Important Disclosures

Disclaimers: The operators of this website are not lenders, financial institutions, creditors, and do not broker loans, determine creditworthiness, or make credit decisions. Therefore, the operators of this website have no determination in determining whether a consumer will be approved for a loan by a lender they may connect with using the services offered on this website. This website offers a free service which collects a consumer’s submitted information and passes it to third-party lenders in its network, which may offer certain financial products. Submitting information through the website form does not guarantee that a consumer will connect with a lender or qualify for a loan or a specific amount of credit. The typical loans products offered by lenders which consumers may connect with are not long-term financial solutions but instead, are intended to provide temporary credit to resolve immediate financial needs or emergencies. The operators of this website receive monetary compensation from the lenders a consumer may connect with and whose products are presented through the website, such as a referral for each consumer request they receive. To summarize, the operator of this website earns referral fees from passing information to lenders. This form of compensation will impact which lenders a consumer may connect with or which offers a consumer may receive from a lender. Not all loan products available to consumers in the marketplace may be offered through our free service or available through the lenders you may connect with and consumers are encouraged to conduct research prior to the acceptance of credit. Lenders that consumers may connect with through our service will likely perform credit checks through credit reporting bureaus while also verifying the information a consumer provides on the website’s form, including but not limited to: social security number, address, phone number, employment history, and bank account information. By submitting information on this website, consumers are providing express written consent, in accordance with the Fair Credit Reporting Act, for lenders to access your credit reports, credit scores, and related consumer information. Furthermore, our service works with several types of lenders, including national and state licensed and tribal lending institutions. Indian tribes that are federally recognized are independent sovereign nations, meaning that their wholly owned entities are generally not subject to certain laws and regulations governing lending, such as rates, fees and other loan related conditions. Consumers that connect with tribal lending institutions on this website are encouraged to review all material terms, including rates, as they may be higher than those rates offered by certain state licensed lenders. Lenders you may connect with are required by federal law to disclose material loan terms and conditions to consumers, such as rates and fees. Non-payment of loans may impact a consumer’s credit score negatively if a credit provider chooses to report delinquencies. Additionally, failure to repay loans may result in nonpayment penalties and collection activities. This operator of this website does not recommend, endorse, or warrant any product or service. You are under no obligation at any time to accept any offer from a lender or financial service provider. For more information, visit our Disclosure page.

Availability: The products and services offered by lenders in our network may not be available in every state. If a consumer resides in a state where certain products or services are not offered or available, then the consumer will not be able to be connected to a lender. No services contained on this website shall constitute an offer or solicitation for any financial or loan products that are prohibited by state law.

Billshappen.com® is an exclusive trademark of Winston Wolfe Media Group, LLC (“WWMG”). WWMG does not operate this website, does not provide any services to consumers, and does not collect, receive, store, or process consumer information submitted through this website. All services, including data collection, processing, consumer communications, and interactions with lenders or service providers, are performed solely by the operators of this website. WWMG is not a lender, broker, or agent of any lender and does not make credit decisions or participate in any lending or marketing activities. WWMG reserves all rights. Unauthorized copying, distribution, or dissemination of any kind is prohibited.