Last updated: November 6, 2026 ยท National Loans USA is not a lender.
NationalLoans.com is free to use. We pay for the site with money from businesses that advertise here and from the network that runs our loan request form. This page explains how that works and how it can affect what you see, so you can judge our site with the full picture. National Loans USA is not a lender.
How we make money
Paid directory listings
Lenders, banks and finance companies can list themselves in our directory. There are three listing packages: Free, Silver and Gold. Silver and Gold are paid packages. They are advertising, and the businesses that buy them pay us for that placement.
Our loan request form
The loan request form on our apply now page is provided by ZeroParallel, an outside lead network. When you send a request, the network shares it with lenders and other partners in its network. We may be paid when you send a request or when you are matched with a lender. We may earn money even if you don’t take out a loan. The privacy policy explains exactly what information is shared and how to opt out.
How payment can affect what you see
- Directory placement. Paid listings may appear higher in a category, be highlighted, or show up in featured spots such as new listing sections. A business that pays may get more visibility than one that doesn’t.
- Which lenders see your request. When you use the loan request form, the lead network and its lenders decide who receives your request and who makes an offer. We don’t choose the lenders, and the order or type of offers you see is not a ranking by us.
- Not every lender is here. Our directory and the lead network don’t include every lender or loan product available. You may find better rates or terms elsewhere, including at a local bank or credit union.
What payment doesn’t affect
Payment doesn’t change our guides and articles. Advertisers and lenders don’t write, review or approve them, and no one can pay to be recommended in a guide. Our guides explain the costs and risks of each loan type, point out red flags, and suggest safer options even when those options don’t earn us anything. Our editorial policy explains how we research and update our content.
A directory listing, paid or free, is not an endorsement. We don’t verify every listing’s licensing. Before you work with any lender, check its license on NMLS Consumer Access and with your state’s financial regulator. Our guide on how to check if a lender is licensed walks you through it.
We are not a lender
National Loans USA doesn’t make loans, make credit decisions or broker loans itself. We can’t approve you, set your rate or check the status of an application. Sending a loan request doesn’t guarantee an offer, and lenders may check your credit.
About rates, APRs and terms
Rates, APRs, fees, loan amounts and repayment terms are set by each lender. They vary by lender, by state and by your credit and income. Some short-term loans have very high APRs. Any rates or cost examples on our site are examples only, not offers, and the terms a lender gives you may be different. Before you accept a loan, read the lender’s disclosures. They must show the APR, the finance charge and the total you’ll repay. Make sure you can afford the payments.
Questions
If you have questions about how we make money, email info@nationalloans.com or use our contact page. You can also read more about National Loans USA and our terms of use.
