Loan Disclosure

Last updated: November 2026

Please read this disclosure carefully before using our website or app or submitting a request. It explains what Challenge Associates is, what it isn’t, and what to expect.

1. We are not a lender

Challenge Advertising & Associates, Inc. (“Challenge Associates,” “we,” “us”) operates a free loan matching service. We are not a lender, loan broker, bank, credit union, credit repair organization, debt relief service or financial advisor. We do not:

• make loans or advance money of any kind;
• make credit decisions or approve applications;
• make loan offers or set rates, fees or terms;
• service loans or collect payments.

Our service is limited to collecting your request and, with your consent, passing it to participating lenders who may be able to help.

2. Loan amounts, rates and terms

Loan amounts offered by participating lenders typically range from $250 to $5,000, with repayment terms from 65 days to 36 months. No lender in our network requires full repayment within 60 days or less. Estimated APR ranges from 5.99% to 35.99%.

The actual loan amount, annual percentage rate (APR), fees, repayment schedule and other terms are set solely by the lender and depend on the lender’s policies, the laws of your state and your credit profile, income and other factors. Amounts you select on our website or app are the amounts you request, not amounts you will receive.

3. Representative example

4. No guarantee of an offer or approval

Submitting a request does not guarantee that you will be matched with a lender, contacted, receive an offer or be approved. Not every lender can offer the full amount you request. Each lender uses its own criteria, which may include income, employment, bank account history, credit history and state of residence. Offers are not available in all states.

5. Credit checks

Challenge Associates does not check your credit, and submitting a request through us does not affect your credit score. If you choose to apply with a lender, the lender may obtain consumer reports from national credit bureaus or other consumer reporting agencies. A lender’s inquiry may appear on your credit report and may affect your score.

6. Late payments and non-payment

The consequences of a late or missed payment are set by your agreement with the lender and by state law. They may include late fees, returned payment fees from the lender or your bank, collection activity, and reports to one or more credit bureaus, which can lower your credit score. If you expect to miss a payment, contact your lender before the due date.

7. Renewals and refinancing

Whether a loan can be renewed, extended or refinanced, and at what cost, is decided by each lender within the limits of state law. Ask the lender about its renewal policy before you sign.

8. How we are compensated

Our service is free for you. Participating lenders and marketing partners pay us when we connect them with you, when you submit an application, or when you accept an offer. Compensation may influence which lenders receive your request and the order in which offers are shown, but it does not change the APR, fees or terms a lender offers you. See our Advertiser Disclosure.

9. Eligibility

You must be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi) and a U.S. resident to use our service. Lenders may have additional requirements.

10. No financial, legal or tax advice

Information on our website and in our app is general and for educational purposes only. It is not financial, legal or tax advice.

11. Third-party websites

You may be redirected to a lender’s or partner’s website. Their own terms and privacy policies apply, and we are not responsible for their content, practices or products.

12. Never pay upfront

We never ask you to pay a fee to submit a request or to “guarantee” a loan. If anyone asks for an upfront payment in our name, do not pay, and contact us.

13. Contact us