Free for you. Paid by the lender.

Checking your rate, comparing offers, and applying through LendWyse is free. We never charge an application fee, an origination markup, a servicing fee, or any kind of "platform fee." The APR and origination fee you see in your offer are the exact terms the lender will charge you — nothing is added on top.

When a borrower accepts a loan offer through LendWyse and the lender funds that loan, the lender pays LendWyse a fixed marketing fee. This is a standard arrangement across the personal-loan marketplace category — it's how NerdWallet, Credit Karma, LendingTree, and Bankrate operate as well. The fee is paid by the lender, not added to your loan.

Partner lenders set their own APR ranges, fees, and underwriting criteria. Our marketing fee is a fixed line item in the lender's own cost-of-acquisition budget — it is not a percentage of your loan and it does not get bolted onto your APR. The same lender will offer the same APR to the same borrower whether they came in through LendWyse, directly, or through any other comparison site.

Lender partnerships and editorial rankings are managed by different teams. Partner lenders cannot pay to rank higher in our best-of guides, appear in our comparison tables, or change the substance of any journal article. Our editorial policy spells out exactly how content decisions get made.

We only work with lenders who meet our compliance and pricing standards. If a lender refuses to disclose its full APR range upfront, charges prepayment penalties, runs misleading "teaser" rates, or has a poor regulatory record, we don't add them — even if they offer to pay more. That filter is the whole reason LendWyse exists.