Last Updated: March 20, 2026
Our Commitment to Transparency
Trust is core to our service. We want you to clearly understand how this website works, how we are compensated, and what (if anything) you pay. Below is a concise, no-fluff explanation of our business model, the role of advertisers/lenders, and the protections you can expect when using our loan matching service.
Who We Are
- We are a free loan-connecting service that helps you find potential loan offers by forwarding your application information to a network of approved lenders.
- We are NOT a bank, direct lender, loan servicer, or debt collector. We do not make credit decisions, underwrite loans, fund loans, or set loan terms.
- Because we are a lead generator, the agreements, APRs, fees, and repayment obligations are always between you and the lender that issues the loan.
How ASBNow is Compensated
Our compensation model is simple and transparent:
| Who pays | What they pay us | When it is paid |
| Third-party lenders in our network | Referral fee / lead generation fee (one-time) | Typically when the lender receives a validated lead or when the lead converts (varies by partner) |
| Advertisers (occasionally) | Display/ad placement fees | Per campaign/contract |
Key points:
- Our service is 100% free to consumers, no application fees, no subscription, no hidden charges.
- We receive money from lenders and advertisers, not from you. That compensation funds the operation of the site and allows us to provide the service at no cost to end users.
Does Compensation Affect Your Loan Terms?
The short answer is no.
- The referral fee we receive is paid from the lender’s marketing budget. Lenders set APRs, fees, and approval criteria independently, those loan terms are not dictated by us.
- Lenders base their offers on your creditworthiness, income, state laws, and their underwriting policies. Our compensation does not increase your APR, change the loan amount, or alter repayment terms.
- If a lender represents otherwise in their documentation, that lender’s disclosures prevail and you should review them carefully before accepting an offer.
How the Network of Approved Lenders Works
- We maintain relationships with multiple lenders and partners so you can receive a variety of offers.
- When you submit an application, we securely transmit only the information necessary for lenders to evaluate you (name, contact info, income, etc.).
- Lenders who receive your information may contact you directly to request documentation, run credit checks, or present offers. Those lenders will have their own privacy policies, terms, and disclosures.
Lead Generation, Referral Fees & What That Means for You
- Lead generation: We match consumer applications with lenders who might be able to help. That matching produces “leads.”
- Referral fee: A lender pays us a fee for a qualified lead or a converted customer. Fees vary by partner and are part of standard industry practice.
- No hidden fees: We do not charge you for a lead, for application submission, or for connecting you to lenders. Any fees you may pay will be charged by the lender and should be disclosed in that lender’s offer documents.
APR Impact & Credit Decisions
- APR impact: Our compensation does not affect the APR you are offered. APRs are determined by each lender and are disclosed by them under applicable laws (e.g., Truth in Lending).
- Credit decisions: Lenders make final credit decisions. We may facilitate prequalification (often a soft credit check) but final approval typically involves lender verification and may include a hard credit inquiry.
Advertising vs. Editorial Separation
- Paid advertisers and partner lenders may appear in search results or on pages, but we aim to clearly label sponsored content and ads.
- We maintain editorial separation between promotional placements and informational content to avoid confusing advertising with objective guidance.
Conflicts of Interest & How We Manage Them
- Our revenue comes from partners who pay for leads; however, we evaluate lender relationships periodically for quality and compliance.
- We may prioritize partners for operational or contractual reasons, but we encourage you to compare offers and read lender disclosures carefully before accepting any loan.
What You Should Watch For (Consumer Checklist)
- Read the lender’s offer carefully: look at APR, fees, finance charge, and total repayment.
- Check who the lender is: confirm contact details and review their privacy policy and terms.
- Ask about credit pulls: know whether a hard credit check will be performed.
- Confirm fees: origination, late, returned payment fees are charged by lenders, not by us.
- Keep copies: save any offer documents or TILA disclosures the lender provides.
Quick FAQ
Do I pay ASBNow to use the site?
No, the site is free for consumers.
Will my APR be higher because a lender paid ASBNow?
No, APR is set by the lender and based on your profile.
Who decides whether I get the loan?
The lender makes the credit decision. We only forward your information.
Contact & Complaint Information
If you have questions about how we are paid, want details about a specific partner, or need help identifying the lender that contacted you, email: email@asbnow.com. If you have a complaint about a lender’s practices, contact that lender directly and consider filing a complaint with your state regulator or the Consumer Financial Protection Bureau.