Loan costs, APRs, fees and repayment terms are determined by the lender — not Breezy Financial.
Breezy Financial does not charge you a fee for using our loan-connecting service.
Breezy Financial is not a lender. We are an independent loan-connecting service that helps connect consumers with lenders and lending partners that may be able to consider their request.
We do not determine:
The lender determines the actual cost and terms of your loan.
You are under no obligation to accept a loan offer.
APR stands for Annual Percentage Rate.
APR is a standardized way of expressing the cost of borrowing over an annual period.
For short-term loans, the APR can look very high because it is annualized, while the loan may be repaid over a much shorter period. That doesn't mean the cost should be ignored — always look at the actual finance charge and total amount you'll repay, not just the APR.
The important part: Don't look at APR alone. Review the actual finance charge and total amount you'll repay.
See how loan cost works ↓It depends on the lender and your specific loan.
The lender determines the loan amount, finance charge, interest rate, APR, fees, repayment schedule, late-payment fees and renewal terms.
Your exact costs will be disclosed by the lender before you accept a loan.
Submit your request through Breezy Financial.
We may connect your request with lenders or lending partners that may be willing to consider it.
The lender determines whether to approve your request and what terms to offer.
You review the lender's complete terms and decide whether to accept the offer.
The lender — not Breezy Financial — sets the loan's fees, APR and repayment terms.
A simple illustration of how a finance charge or fee can change the total amount you repay.
Look at the total amount you will repay, along with the APR, finance charge and payment schedule — not just the payment amount.
Illustrative example only. This is not a loan offer and does not represent the terms you will receive. Your lender or lending partner will provide the APR, finance charge, fees, repayment schedule and total amount you will repay before you accept an offer.
Late payments can cost more. If you accept a loan and don't repay it according to the terms of your loan agreement, your lender may charge additional fees or other charges, subject to the agreement and applicable law.
Depending on the lender, your circumstances and applicable law, late or non-payment may result in:
Breezy Financial does not determine or control these charges. Your lender's agreement will contain the specific policies that apply to your loan. If you think you may have difficulty making a payment, contact your lender as soon as possible.
Breezy Financial isn't your lender. Breezy Financial does not engage in debt collection activities relating to loans made by lenders.
Your lender's collection practices should be disclosed in your loan documents. If you have questions about a past-due balance, collection activity or payment arrangement, contact your lender directly.
Don't ignore it. If you believe you may not be able to repay your loan on time, contact your lender immediately. Your lender can explain what options, if any, may be available under your agreement.
Do not assume that a lender will automatically extend or renew your loan. Before accepting a short-term loan, make sure you understand how you'll repay it and what could happen if you're unable to do so.
Nothing is final until you see the loan agreement. If a lender is willing to consider your request, the lender will provide you with the applicable loan terms before you accept the loan. Your loan documents should identify applicable:
You don't have to accept the offer. If you don't agree with the terms presented by a lender, you are under no obligation to accept the loan. Take the time to read the complete agreement and disclosures before accepting any offer.
Ask yourself: Can I afford to repay the full amount? When is my payment due? What happens if I'm late? Are there additional fees? Can the loan be renewed or rolled over? If you're unsure about any part of the loan agreement, ask the lender before accepting it.
Understand the renewal policy before you accept. Loan renewal, refinancing and rollover policies vary by lender and may also be governed by applicable state law.
If renewal is available, the lender should provide information about its renewal policy before you accept the loan. A renewal or rollover may result in additional fees, interest or other costs.
If you think you may have difficulty repaying your loan on time, consider your alternatives before accepting or renewing a short-term loan.
Look beyond the payment amount. If you're presented with a loan offer, consider:
The lowest payment isn't necessarily the lowest-cost loan. Look at the total amount you'll repay and make sure you understand the complete agreement.
Breezy Financial does not make credit decisions. Breezy Financial does not make credit decisions or determine whether you qualify for a loan.
Depending on the lender, a lender or lending partner may perform a credit check or other eligibility assessment. The type of credit inquiry may vary by lender.
If you accept a loan and don't repay it according to the terms of your agreement, the lender may report payment activity to one or more credit reporting agencies where permitted by applicable law. Late or missed payments may negatively affect your credit.
No. Breezy Financial does not charge consumers a fee for using our loan-connecting service.
Learn more →Yes. The lender should provide the applicable loan terms, including fees and APR, before you accept the loan.
Learn more →Yes. Depending on the lender, your agreement and applicable law, late or non-payment may result in additional fees, collection activity or other consequences.
Learn more →Get started with your simple online request.
Breezy Financial is not a lender and does not make loans, cash advances or credit decisions. Breezy Financial is an independent loan-connecting service and may receive compensation from lenders and/or lending partners for forwarding consumer information to them. Your information may be provided to an aggregator, lender, lending partner or other third party. Not all lenders and/or lending partners can provide every type of loan, loan amount, rate or term, and we do not guarantee that you will obtain a loan. Availability, APR and repayment terms vary by state and lender. Please review the complete terms and disclosures provided by any lender before accepting a loan. Lenders and/or lending partners may perform a credit check to determine your creditworthiness and may report payment activity to credit reporting agencies where permitted by applicable law. Lenders and/or lending partners are solely responsible for the loan request and any resulting loan transaction, including applicable disclosures and compliance with applicable laws and regulations. This service is not available in all states, and the states serviced by this website may change from time to time without notice. Short-term loans can be an expensive form of credit and are not intended to be a long-term financial solution. Please use short-term loans responsibly.