Last Updated: January 1, 2025
Lending Orbits is a marketing and lead generation platform — not a lender. We do not issue loans, make credit decisions, or guarantee loan approval. All loan terms, rates, and availability are determined solely by independent third-party lenders. Please read this disclaimer in full before using our services.
Lending Orbits operates as a marketing and lead generation website. Our primary function is to collect information from consumers who are interested in personal loan products and connect them with independent third-party lenders who may be able to assist them.
We are not a bank, credit union, direct lender, or financial institution. We do not underwrite loans, make credit decisions, issue funds, or determine borrower eligibility. Any loan you may receive as a result of using our service will be issued by an independent lender, not by Lending Orbits.
The information provided on this website is for general informational purposes only and should not be construed as financial, legal, or professional advice. You should consult with a qualified financial professional before making any borrowing decisions.
Lending Orbits may receive compensation from lenders when a consumer's information is shared or when a consumer obtains a loan through a lender in our network. This compensation may affect which lenders we include in our network and how they are presented, but it does not affect the loan terms offered to you by any lender.
Submitting a form on the Lending Orbits website does not guarantee that you will receive a loan offer from any lender. Not all consumers who submit inquiries will be matched with a lender, and not all consumers who are presented with offers will receive final loan approval.
Loan approval decisions are made entirely at the discretion of the individual lenders based on their own underwriting criteria, which may include credit history, income verification, debt-to-income ratio, employment status, and other factors. Lending Orbits has no influence over these decisions.
Pre-qualification or initial matching through our platform does not constitute a guarantee of approval, a commitment to lend, or a firm offer of credit. Final loan approval requires a complete application process with the lender directly.
All loan terms, including interest rates, APR, repayment schedules, fees, and loan amounts, are determined solely by the independent lenders in our network. Lending Orbits does not set, negotiate, or control any loan terms.
Any APR ranges, loan amounts, or repayment terms displayed on this website are provided as illustrative examples only and do not represent a guarantee of the terms you will be offered. Actual rates and terms will vary based on your individual credit profile, income, loan amount, and other factors assessed by the lender.
Loan availability may vary by state. Not all lenders in our network operate in all states, and certain loan products may not be available to residents of certain jurisdictions. Some states have specific laws governing loan amounts, fees, and interest rates that may limit what lenders in our network can offer to residents of those states.
Any Annual Percentage Rate (APR) figures referenced on this website are representative examples provided for illustrative purposes only. They do not represent the rates available to any specific borrower and should not be relied upon as an indication of the rate you will be offered.
APR is determined by the lender and reflects the annualized cost of borrowing, including the interest rate and any fees charged by the lender. The actual APR you receive will depend on your creditworthiness, the loan amount, the repayment term, and the lender's pricing policies.
Before accepting any loan, you should carefully review the full APR, the total amount repayable, the monthly payment amount, and all associated fees as disclosed by the lender in their loan agreement.
Lending Orbits maintains relationships with a network of independent third-party lenders. When you submit an inquiry through our website, your information may be shared with one or more of these lenders. Each lender operates independently and has its own terms of service, privacy policy, and lending practices.
Lending Orbits does not endorse, recommend, or vouch for any specific lender in our network. The inclusion of a lender in our network does not constitute an endorsement of that lender's products or practices. You should conduct your own research and due diligence on any lender before entering into a loan agreement with them.
We encourage you to visit the lender's website directly, review their terms and disclosures, and contact them with any questions before accepting any offer.
Lending Orbits is a for-profit company. We may receive financial compensation from lenders in our network when we share consumer information with them or when consumers obtain loans through lenders in our network. The amount and form of this compensation varies by lender and may be structured as a flat fee, a percentage of the loan amount, or another arrangement.
This compensation relationship means that Lending Orbits has a financial incentive to connect consumers with lenders. However, we strive to maintain editorial independence in the information we provide and to present a fair representation of available options.
Our compensation arrangements do not affect the loan terms, rates, or decisions made by individual lenders regarding your application.
The loan matching services provided by Lending Orbits are not available to residents of all states. Certain states have enacted laws or regulations that restrict or prohibit the activities conducted by Lending Orbits or the types of loan products offered by lenders in our network.
If you reside in a state where our services are not available, you will not be matched with lenders through our platform. We recommend consulting local resources, credit unions, or community banks for loan options available in your area.
Even in states where we operate, individual lenders may choose not to lend to residents of certain states. If you are not matched with any lender, it may indicate that our current network does not include lenders who serve your state or match your profile.
You are solely responsible for evaluating the suitability of any loan product for your financial situation. Before accepting any loan offer, we strongly encourage you to:
Lending Orbits is not liable for any financial decisions you make based on information provided on this website or through our matching service. Borrowing money is a significant financial commitment, and you should approach any lending decision with careful consideration.