How Can We Help You?

Pick a product category from the navigation (personal loans, business loans, mortgages, auto loans, or credit cards). Each category has a short comparison form that collects the basics: who you are, what you need, and roughly how much. After you submit, you will see a set of offers from lenders whose criteria match your profile. Browse the results, and when one looks right, click through to complete the full application on that lender's own site.

To receive personalized rate offers, you will typically need to provide: your full name, address, date of birth, Social Security number (for the soft credit check), employment status and annual income, the loan amount and purpose you are seeking, and a valid email address and phone number. Having recent pay stubs or tax returns nearby can be helpful, though they are not required for the initial comparison step.

The timeline varies by product type. For personal loans, many lenders can provide a decision within minutes and fund the loan in 1-3 business days. Auto loan pre-approvals are often instant. Business loans may take 1-5 business days for online lenders, or 2-8 weeks for SBA and traditional bank loans. Mortgages typically take 30-45 days from application to closing. The initial rate comparison on FundingPoint takes just 2-5 minutes.

Yes. FundingPoint uses bank-level 256-bit SSL encryption to protect all data transmitted through our platform. We do not sell your personal information to third parties. Your data is only shared with lenders you choose to connect with. Our platform undergoes regular security audits, and we comply with all applicable federal and state data protection regulations.

When you submit your information, our matching technology analyzes your credit profile, income, loan amount, and purpose against the lending criteria of 300+ lenders in our network. Within minutes, we display the offers you are most likely to qualify for, sorted by interest rate. Each offer shows the estimated APR, monthly payment, loan term, and any fees. You can then compare these offers side by side before deciding which lender to proceed with.

The comparison stage uses what the credit industry calls a soft pull. Soft pulls are recorded on your personal report but are not factored into your score and are not visible to other lenders. You can check rates as many times as you want without consequence. A hard pull, the kind that can affect your score by a few points, only happens after you choose a specific lender and complete their separate application.

Look beyond just the interest rate. Compare the APR (which includes fees), the monthly payment amount relative to your budget, the total cost of the loan over its full term, any origination fees or prepayment penalties, and special features like unemployment protection or flexible payment dates. Our educational resources and calculators can help you evaluate these factors. If you are unsure, our support team is available to walk you through the differences.

When you select an offer, you will be redirected to the lender's website to complete their full application. The lender may request additional documentation such as pay stubs, tax returns, or bank statements. They will perform a hard credit inquiry at this stage. Once approved, the lender will send you a loan agreement to review and sign. After signing, funds are typically disbursed within 1-5 business days depending on the loan type.

We protect your data with 256-bit SSL encryption, the same standard used by major banks. All data is stored on secure servers with multi-factor authentication, firewalls, and intrusion detection systems. Our employees undergo background checks, and access to customer data is restricted to authorized personnel on a need-to-know basis. We regularly audit our security practices and maintain compliance with industry standards.

Only FundingPoint and the specific lenders you choose to connect with can see your information. We do not sell, rent, or share your data with unrelated third parties for marketing purposes. If you submit a comparison request, your information is sent only to lenders whose criteria match your profile. You can review our full Privacy Policy at fundingpoint.org/privacy for complete details.

Yes. Under applicable privacy laws, you have the right to request deletion of your personal information. To submit a data deletion request, email privacy@fundingpoint.org or call our support line at (888) 207-1705. We will process your request within 30 days. Note that we may be required to retain certain data for legal, regulatory, or fraud-prevention purposes as outlined in our Privacy Policy.

Our Privacy Policy explains in detail what information we collect, how we use it, who we share it with, and your rights regarding your data. It covers topics including cookies and tracking technologies, third-party advertising, data retention periods, and your rights under state and federal privacy laws. You can read the full policy at fundingpoint.org/privacy.

Once you have submitted a full application with a specific lender through our platform, that lender manages the approval and funding process. You can check your application status by contacting the lender directly using the contact information provided in your application confirmation email. FundingPoint does not have access to lender-side application statuses.

Yes. You can use FundingPoint to compare rates for personal loans, business loans, mortgages, auto loans, and credit cards. Each product has its own comparison form tailored to the specific information lenders need. You can submit as many comparison requests as you like at no cost and with no obligation.

Being denied by one lender does not mean you will be denied by all. Different lenders have different approval criteria. If you were denied, you can still compare offers from other lenders in our network. The lender that denied you is required by law to send you an adverse action notice explaining the reason. Common reasons include low credit score, high debt-to-income ratio, or insufficient income. Our Resources section has guides on improving your approval chances.

You can reach our support team by phone at (888) 207-1705 (Monday through Friday, 8am-8pm ET), by email at support@fundingpoint.org (we respond within 24 hours), or by using the contact form on this page. For privacy-related requests, email privacy@fundingpoint.org.