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Material Disclosure

Money Beacons Is Not a Lender. Money Beacons is an advertising and referral service, not a lender or loan broker. We do not make loans, set rates, or make credit decisions. We connect consumers with independent third-party lenders who may extend an offer. All loan terms, including the Annual Percentage Rate (APR), are set solely by the lender and disclosed to you before you accept any offer.

APR & Repayment Ranges. APR reflects the yearly cost of borrowing, including interest and certain finance charges, and lets you compare offers. Based on lenders currently in our network, APRs generally range from approximately 5.99% to 35.99%, though your rate may be higher or lower depending on the lender, product, and your qualifications. Repayment terms commonly range from about 61 days to 72 months. Your exact APR, schedule, and total cost are disclosed by the lender before you sign.

Illustrative Examples (For Comparison Only). The figures below explain how amount, APR, and term affect payments. They are examples only, are not guarantees, and do not represent an actual offer.

Loan Amount

Estimated Term

Example APR

Estimated Monthly Payment

Estimated Total Repayment

$2,000

24 months

~14.99%

~$97

~$2,328

$5,000

36 months

~12.50%

~$167

~$6,012

$10,000

48 months

~9.99%

~$253

~$12,144

Funding Times. If a lender approves your request, funds may be deposited as soon as the next business day. Actual timing depends on the lender and your financial institution.

Late or Missed Payments. Fees and consequences for late, partial, or missed payments are set by your lender and described in your loan agreement. Money Beacons does not service loans or collect payments. Review your lender's terms carefully before accepting any offer.

Credit Impact. Lenders may verify your information and, where permitted, review your credit. Late or missed payments may be reported to credit bureaus and could affect your credit. Practices vary by lender.

Availability. Loan availability, amounts, rates, and terms depend on your profile, lender criteria, and applicable federal and state law. Not all lenders operate in all states, and not everyone will qualify. Short-term and small-dollar loans are not a long-term financial solution and should be used responsibly.

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