Disclaimer and Disclosures

You make better decisions when nothing is hidden. The disclosures below spell out how this service works and where its limits are. The same wording appears in the footer of every page.

We Are Not a Lender or a Broker

American Emergency Funds is not a lender or a broker and does not make credit decisions or fund loans. We connect your request with lenders and lending partners in our network.

Put simply: we don't make credit decisions, we don't fund loans, and we aren't your bank or financial advisor. Our role is to connect your request with lenders and lending partners who may be able to help.

No Guarantee of Approval, Rate, Term, or Amount

Submitting a request does not guarantee approval, or a specific rate, term, or amount. Approval, APR, fees, and funding are determined solely by the lender.

Submitting a request is not an application for credit with any specific lender, and it isn't a promise that you'll be approved. If any website promises approval before reviewing your information, treat that as a warning sign.

How We Are Compensated

American Emergency Funds may receive compensation from lenders or lending partners when a visitor is matched or funded. This compensation may affect which lenders appear in our network and how requests are routed.

americanemergencyfunds.org operates as an advertising and referral platform that connects consumers with independent lenders or lending partners. We do not take loan applications on behalf of lenders, do not broker loans, and do not act as an agent of any lender. We may receive compensation from lenders or other advertising partners for referral or marketing services. This compensation may influence which offers are displayed or the order in which they appear. Some users may be matched with tribal lenders, whose rates and fees may differ from those of state-licensed lenders and who may be governed by federal and tribal law rather than state law. Nothing on this website constitutes an offer to lend or a solicitation of credit.

Eligibility and Availability

To use this service you must be a U.S. resident and at least 18 years old, and you must meet the requirements of the lenders in our network. Service availability and loan products vary by state.

Loan availability, amounts, APRs, and repayment terms depend on multiple factors, including applicant credit profile, lender underwriting criteria, and applicable federal, state, or tribal laws. Not all lenders operate in all states.

Loans available through our network are typically offered in amounts ranging from $1,000 to $15,000, depending on eligibility, and not all lenders can provide up to $15,000. Short-term or small-dollar loans are not intended to be long-term financial solutions and should be used responsibly.

Credit Authorization

Participating lenders may verify applicant information and, where permitted by law, obtain consumer credit reports or other credit data to evaluate creditworthiness. By submitting a request through this website, you authorize lenders in our network to perform these checks as part of their underwriting process. Late or missed payments may be reported to credit bureaus and could negatively impact your credit profile. Credit reporting practices vary by lender.

Rates, Fees, Timing, and Repayment

Annual Percentage Rate (APR) reflects the annualized cost of borrowing and includes interest as well as certain finance charges assessed by a lender. APR is expressed as a percentage and is intended to help consumers compare the cost of credit across different offers. americanemergencyfunds.org does not make loans, does not set interest rates, and does not make credit decisions. Lenders within our network determine all loan terms independently. Based on lender offerings currently available through our network, APRs may generally fall between approximately 5.99% and 35.99%, though lower or higher rates may be offered depending on the lender, loan product, and applicant qualifications. Loan repayment periods offered by lenders commonly range from 91 days to as long as 72 months, depending on the product selected. The exact APR, repayment schedule, total loan cost, and duration will be disclosed by the lender before you accept any loan offer.

Loan requests submitted through this website are reviewed directly by participating lenders. Approval decisions are made solely by the lender. If approved, funding times depend on lender processing and the policies of your financial institution.

By accepting a loan offer, you agree to repay the loan according to the schedule and terms established by the lender. Late payments, missed payments, or failure to repay the loan in full may result in additional fees, penalties, or other consequences as described in the lender's agreement. americanemergencyfunds.org does not have visibility into individual lender fee structures and cannot estimate the charges that may apply in the event of late or non-payment. Borrowers should review lender policies carefully before accepting a loan.

Renewal or extension options, if available, are determined by the lender and disclosed in the lender's agreement. Borrowers should review renewal terms carefully before accepting a loan.

Worked examples are on the loan rates and fees page.

Collections and Servicing

americanemergencyfunds.org is not involved in loan servicing or debt collection activities. All servicing and collection practices are handled directly by the lender in accordance with their agreement and applicable law. Borrowers with questions regarding payment schedules, servicing, or collections should contact the lender directly using the information provided in their loan documents.

Not Financial, Legal, or Tax Advice

The content on this site is for general educational purposes only and is not financial, legal, or tax advice. Any figures shown are illustrations, not offers. For advice about your specific situation, talk to a qualified professional or a nonprofit credit counselor.

Government Non-Affiliation

americanemergencyfunds.org is a privately operated service and is not affiliated with, endorsed by, or sponsored by any federal, state, or local government agency.

americanemergencyfunds.org (the "website") is not an offer or solicitation to lend. The website only provides a service and is not an agent, representative, or broker of any lender and does not endorse or charge you for any loan or product. The website operators are not lenders, do not make loans of any type, and do not make credit decisions.

Questions

If anything here is unclear, we'd rather you ask than guess. Use the contact form. For the terms of using the site, see the terms and conditions and the privacy policy.