Looking for a personal loan? Breezy Financial can help connect you with lenders and lending partners that may be able to consider your request.
We are not a lender, and we do not make loan decisions. Instead, we make the process of exploring potential loan options simple, straightforward and convenient.
A personal loan is a type of credit that may be used for a variety of personal expenses.
Depending on the lender and your circumstances, a personal loan may provide funds for things such as:
You provide information through our simple online form.
We share your information with lenders and lending partners that may be able to consider your request.
A lender or lending partner determines whether it can offer you a loan and what terms may apply.
If you're presented with an offer, review the terms and decide whether to accept.
Submitting a request does not guarantee that you will receive a loan or loan offer.
Yes.
You don't pay Breezy Financial to use our service.
We may receive compensation from a lender or lending partner for forwarding your information to them.
Not all lenders or lending partners can provide every loan amount, rate or term, and not everyone will qualify.
Every lender is different. Depending on the lender, they may consider a variety of factors.
Your income and ability to repay may be considered.
A lender may consider your employment or other sources of income.
Some lenders may review credit information or use other methods to evaluate eligibility.
The amount you request can affect the options available to you.
Loan availability, terms and requirements can vary by state.
Lenders may consider additional information as part of their evaluation process.
Depending on applicable law, you may have rights regarding your personal information, including:
Look beyond the amount you receive. If you're offered a personal loan, don't focus only on the amount you're borrowing or the size of the payment. Before accepting an offer, review:
Reflects the annualized cost of borrowing.
The dollar cost of the credit under the loan agreement.
The total amount you are expected to repay.
How long you will have to repay the loan.
When payments are due and how much each will be.
Whether late-payment, renewal or other fees may apply.
The lender — not Breezy Financial — determines the actual rates, fees and terms of any loan offered to you.
Make sure you understand the agreement. Before accepting an offer, ask yourself:
If you don't understand something in the loan agreement, contact the lender before accepting the offer.
Know the consequences.
If you accept a loan and don't repay it according to the terms of your agreement, the lender may charge applicable fees or take other actions permitted by the agreement and applicable law. Depending on the lender and circumstances, this may include:
If you think you may have difficulty making a payment, contact your lender as soon as possible. Do not assume that a loan will automatically be renewed or extended.
It depends on the lender.
Breezy Financial does not make credit decisions. Some lenders or lending partners may review credit information when evaluating a request. Others may use different eligibility or underwriting methods.
Because lender practices vary, we recommend reviewing the lender's disclosures carefully before accepting an offer. Avoid assuming that a loan offer will or will not involve a credit check — the lender should provide the applicable information about its evaluation process.
Consider your alternatives.
A personal loan can involve interest, fees and other costs. Before accepting a loan, consider whether other options may be appropriate for your situation, such as:
If you decide to pursue a personal loan, make sure you understand the complete cost before accepting an offer.
A simpler way to explore potential options.
No. Breezy Financial is not a lender. We are an independent loan-connecting service that may connect consumers with lenders and lending partners that may be able to consider their request.
We cannot guarantee approval. Each lender determines whether to approve a request and what terms, if any, to offer.
Not necessarily. The amount available, if any, depends on the lender, your circumstances, applicable state law and other factors.
No. Submitting a request does not guarantee that you will receive a loan or be connected with a lender.
Breezy Financial does not charge consumers a fee for using its loan-connecting service. However, if you receive and accept a loan offer, the lender may charge interest, fees or other costs according to the loan agreement.
Permitted uses vary by lender and loan product. You should review the lender's agreement and disclosures to understand any restrictions that apply to the loan.
Yes. If you receive an offer, you can review the lender's terms and decide whether to accept it. You are not required to accept an offer simply because you submitted a request through Breezy Financial.
Start with a simple online request. It only takes a few minutes to tell us a little about what you're looking for.
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 or be connected with a lender. Loan availability, terms, fees, APR and repayment requirements vary by lender, state and applicant qualifications. 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 or use other eligibility criteria when evaluating your request. Personal loans can be an expensive form of credit. Consider your options carefully and make sure you understand the total cost and repayment requirements before accepting a loan. This service is not available in all states, and availability may change from time to time without notice.