Zenvy FinancialThis page explains, in plain language, how Zenvy Financial makes money and what that means for you. We believe a service that teaches people to read fine print should publish its own in the largest type on the site.
What Zenvy Financial Is
Zenvy Financial is a loan connection service, not a lender. We do not make loans, set rates, establish terms, or fund any credit product. When you submit a request through this website, we transmit your information to lending partners in our network; partners whose criteria fit your profile may respond with offers. Any loan you accept is a contract between you and that lender alone, governed by the lender's written disclosures under the federal Truth in Lending Act and applicable state law.
How We Are Compensated
Lending partners pay Zenvy Financial for connections made through this service. This compensation is how we keep the service free for borrowers — you will never pay us a fee to submit a request, receive an offer, or decline one. Compensation may influence which partners receive your request and in what order responses are presented. It does not change the terms any lender offers you: rates, fees, amounts, and approval decisions are set solely by each lender based on your profile and applicable law.
What This Means for You
Three practical consequences, stated honestly. First, we are not a marketplace of every lender in America; offers you receive come from our network, and better terms may exist elsewhere — which is why our lender comparison page profiles the wider market and our rates guide shows typical pricing by credit tier, so you can judge any offer against the market, including offers from us. Second, receiving an offer creates no obligation; declining is free, unrecorded on your credit file, and entirely respected. Third, our editorial content — guides, blog posts, comparisons — is produced by our editorial team under standards described on our about page, and lending partners do not review or approve it before publication.
Lending Disclosure
Personal loan amounts on this site range from $500 to $5,000. APRs, fees, and terms are set by individual lenders and vary by applicant, lender, and state; mainstream personal loan APRs referenced across this site range roughly from the high single digits to 35.99%. All payment figures and examples sitewide are estimates for orientation and are labeled as such; representative examples do not constitute offers. Loan approval is not guaranteed, products are not available in all states, and submitting a request does not ensure a connection with any lender or receipt of any offer. The request stage uses a soft credit inquiry; lenders may perform a hard inquiry if you proceed with a final application, with notice.
Questions
If anything on this page is unclear, write to [email protected] — clarity questions about this disclosure are exactly the kind of mail we want.