Lending Disclosures

About Our Service

Quick Two Loans operates as a marketing lead generator and connects consumers with a network of lenders and financial service providers. We are not a lender, loan broker, or agent for any lender or loan broker.

When you submit a loan inquiry through our website, your information may be shared with one or more lenders or lending partners in our network. These lenders will review your information and may contact you directly with loan offers if they choose to extend an offer.

APR and Rate Information

The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR you receive depends on several factors, including:

• Your credit history and credit score
• Loan amount requested
• Loan term length
• Your state of residence
• Income and employment status
• Debt-to-income ratio

The lowest rates are reserved for borrowers with excellent credit. Not all applicants will qualify for the lowest rate or any rate at all.

Loan Amount and Terms

Actual loan amounts, terms, and availability vary by lender and may be affected by your state of residence and creditworthiness. Some lenders may have minimum and maximum loan amounts that differ from the range shown.

Representative Loan Example

This is for illustrative purposes only. Your actual rates, payments, and total costs may vary.

Credit Check Information

Soft Credit Inquiry: When you submit an inquiry through Quick Two Loans, we or our lending partners may perform a soft credit inquiry to determine your eligibility for loan offers. A soft inquiry does NOT affect your credit score and is not visible to other creditors.

Hard Credit Inquiry: If you choose to proceed with a loan offer from one of our lending partners, the lender may perform a hard credit inquiry as part of their underwriting process. A hard inquiry may temporarily affect your credit score and will be visible on your credit report.

State Licensing and Availability

Lending services may not be available in all states. Some lenders in our network may not operate in all states or may have restrictions based on state regulations. Availability of specific loan products, amounts, and terms may vary by state.

Lenders in our network are responsible for their own state licensing and compliance with applicable federal and state laws.

Late Payment and Default

Late payments or failure to repay your loan may result in:

• Additional fees and charges
• Collection activities
• Negative reporting to credit bureaus
• Damage to your credit score
• Legal action by the lender

Please review your loan agreement carefully and only borrow what you can afford to repay.

No Guarantee of Approval

Submitting an inquiry through Quick Two Loans does not guarantee that you will receive a loan offer or be approved for a loan. Lenders make independent credit decisions based on their own criteria. We cannot guarantee that you will be matched with a lender or that any lender will make you an offer.

FTC Disclosure

In accordance with FTC guidelines, Quick Two Loans may receive compensation from lenders when we refer customers who receive loan offers. This compensation does not affect your loan terms and you are under no obligation to accept any offer.

Additional Resources

For more information about your rights as a consumer, please visit:

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
• Federal Trade Commission (FTC): ftc.gov
• Annual Credit Report: annualcreditreport.com

Contact Us

If you have questions about these disclosures, please contact us: