Lending Buddy accepts loan requests from consumers across the United States. Whether you see an offer — and what that offer looks like — depends heavily on the rules in the state where you live.
Why your state matters
Consumer lending is regulated largely at the state level. States set licensing requirements and may cap interest rates and fees, limit loan amounts, restrict renewals or rollovers, and require specific disclosures. Some states effectively prohibit certain high-cost loan types. As a result, lenders in our network may offer different amounts, APRs and terms — or no offer — depending on your state.
Offers not available everywhere
Not all lenders or loan products are available in all states, and residents of some states may not be eligible for some or any offers. Minimum age also varies: 18 in most states, 19 in Alabama and Nebraska.
How to verify a lender's license
- Find the legal name. It appears on the loan agreement and the lender's website footer.
- Check your state regulator. Most state departments of banking or financial institutions offer an online license lookup.
- Search NMLS Consumer Access. Many consumer lenders and all mortgage lenders and loan originators can be looked up at nmlsconsumeraccess.org.
- Review complaints. The CFPB's public complaint database can show how a company responds to customers.
Military borrowers
Nationwide, the Military Lending Act limits the Military APR to 36% on covered credit for active-duty service members and dependents. See military loans.
Home loans
Mortgage partners must be licensed in the state where the property is located. Learn more about home loans.