Advertiser Disclosure

1. LumoLoans' Role

LumoLoans operates an online service designed to help consumers begin exploring personal loan options. Depending on the service, we may collect information from a consumer and facilitate a connection, referral, or transfer to a participating provider.

The website may contain advertising, sponsored content, provider listings, or other commercial relationships. We aim to identify these relationships clearly so consumers can understand the nature of the service.

2. Compensation and Advertising Relationships

LumoLoans may receive compensation from participating lenders, providers, lead buyers, advertising partners, networks, or other third parties for certain activities, including referrals, qualified leads, clicks, applications, or connections.

Compensation arrangements can vary by provider and may affect the commercial economics of the website. They should not be interpreted as a guarantee that a provider will approve a consumer or offer a particular loan term.

3. Offers and Provider Decisions

A participating provider is responsible for determining whether a consumer qualifies and what terms, if any, may be offered.

Available terms may vary based on provider requirements and individual circumstances. Potential loan terms may include the amount, APR, interest rate, fees, repayment period, payment amount, and other conditions.

LumoLoans does not guarantee approval, loan availability, a specific provider, a specific loan amount, APR, interest rate, fee structure, repayment term, or funding date.

4. How Offers May Be Presented

Where multiple providers or options are available, the order, visibility, or presentation of providers may be influenced by commercial relationships, provider availability, eligibility considerations, technical factors, or other business criteria.

Placement on the website should not be interpreted as an endorsement, recommendation, or statement that one provider is better suited to a particular consumer than another.

Before launch, LumoLoans should confirm the actual methodology used to present providers and update this disclosure if required.

5. LumoLoans Is Not the Lender

Unless expressly stated in a separate agreement or disclosure, LumoLoans is not the lender making a loan offer merely because you submit a request through the website.

If you receive an offer from a provider, that provider is responsible for the offer, underwriting decision, loan agreement, applicable disclosures, servicing arrangements, and other terms associated with the financial product.

6. Third-Party Providers

Participating providers operate independently from LumoLoans and may have their own privacy policies, terms, eligibility requirements, disclosures, and customer-support processes.

Once you are transferred or connected to a third party, review that party's information carefully. The third party may request additional information to evaluate your request.

7. What This Means for You

Using LumoLoans does not require you to accept a loan offer. If you receive an offer, you should compare the complete terms and consider whether the product is appropriate for your financial situation.

• Review the APR and interest rate.
• Review all applicable fees.
• Review the payment amount and repayment schedule.
• Review the total amount you will repay.
• Read the provider's complete agreement and disclosures.
• Ask the provider questions about anything you do not understand before accepting.

Compensation received by LumoLoans, if applicable, does not mean that a provider will approve you or that the provider's offer is the lowest-cost option available to you.

8. Changes to This Disclosure

We may update this Advertiser Disclosure when our commercial relationships, provider network, website features, or business practices change. The updated version will be posted on this page with a revised date when appropriate.

9. Contact

If you have questions about this disclosure or LumoLoans' advertising relationships, please use our Contact page.