Disclaimer

Not a lender, and not your broker #

LendingFounder is a comparison platform. It does not lend money, underwrite risk, service loans, issue insurance policies, or make credit decisions. It cannot approve you, decline you, or change a decision a provider has made.

It is also not acting as your broker or your adviser. It does not represent your interests in a negotiation, and it does not have a duty to find you the best available deal in the market.

Not financial, legal or tax advice #

Everything here is general information, written without knowledge of your circumstances. It is not a personal recommendation and it is not regulated advice.

Two people with the same stated need and the same credit profile can have entirely different correct answers, for reasons a public web page cannot see. For anything consequential, take advice from a licensed professional who is able to look at your actual position.

No guaranteed outcome #

Nothing on this site guarantees a rate, an approval, an amount, a premium, a term or a credit score outcome. Providers set their own criteria and apply them to their own risk appetite, which changes.

A comparison tells you what is on offer and what it would cost. It cannot tell you that you will be given it.

Figures on this site are illustrative #

Any number shown in an example exists to demonstrate how a cost behaves, not to quote you. They are not offers, they are not indicative pricing, and they should not be relied on or presented to anyone as a quote.

Where a real figure matters, get it from the provider in writing, and check whether it is a rate, an APR, or a total cost. Those three are routinely presented as though they were interchangeable, and they are not.

Credit scores and credit repair #

No service can lawfully remove accurate, current, verifiable information from your credit file, and any company promising to is telling you something that is not true. What can be removed is information that is inaccurate, unverifiable or past the reporting period.

You are entitled to dispute an error on your own credit report yourself, at no cost, and no company can achieve an outcome there that you cannot achieve directly. Where a service adds value it is by doing the work for you, not by having access you do not have.

Timescales given anywhere on this site for a score to move are general patterns, not predictions about your file.

Debt relief carries consequences #

Settlement, management plans and bankruptcy all have real costs beyond their fees: they affect your credit file, sometimes for years, and settled or forgiven debt can be treated as taxable income where you live.

Any presentation of these options that leads with the monthly saving and leaves out the credit damage, the duration and the tax treatment is incomplete, including if you find it here. Tell us and we will correct it.

Insurance is not comparable on premium alone #

A cheaper policy is frequently a narrower one. Exclusions, deductibles, limits and the definition of a covered event decide whether a policy pays when you need it, and none of them appear in a premium figure.

Read the policy wording, not the summary, before you rely on cover.

When to stop reading and get advice #

If the question involves tax treatment, a legal obligation, insolvency, a business you are personally liable for, or an amount whose loss you could not absorb, consult a licensed professional before acting. That is the case whether or not this site appears to answer it.