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Advertising Disclosure

Home—Advertising Disclosure

AuthorityLoan.com is a marketing and lead generation platform that connects consumers with third-party lenders and financial service providers. We do not provide loans, make credit decisions, or offer financial products directly. Instead, we receive compensation from lenders and other financial partners in exchange for providing consumer loan inquiries ("leads") to them. This website is not an offer or solicitation to lend and does not guarantee loan approval, specific terms, or available loan amounts.

1. How Loan Offers Are Ranked

Loan offers presented on this website are displayed based on a combination of factors, including lender compensation, loan terms, consumer eligibility, and compliance with regulatory guidelines. While compensation may influence lender visibility, AuthorityLoan.com does not guarantee that consumers will receive the best rates or terms from a specific lender.

2. Estimated APR Range Disclosure

Loan terms and APRs vary based on lender policies and borrower qualifications. While AuthorityLoan.com does not set loan terms, the typical APR range for short-term loans may vary from 5.99% to 35.99% or higher, depending on creditworthiness and state regulations. Each lender provides specific APR disclosures before loan agreement finalization.

3. Advertising & Compensation Disclosure

This website earns revenue through advertising relationships with lenders, loan aggregators, and financial service providers. Compensation received may impact the placement, ranking, or visibility of loan offers on this website. However, compensation does not influence which lenders a consumer is connected with, as loan matching is based on lender requirements and the consumer's provided information.

We do not endorse, recommend, or guarantee any particular lender or financial service provider, nor do we control the loan terms or conditions offered to consumers. Users should always compare multiple loan options and carefully review all lender disclosures before agreeing to any loan terms.

4. No Endorsement or Guarantee

The presence of lenders or loan offers on this website does not constitute an endorsement of any particular lender or financial product. AuthorityLoan.com does not guarantee that you will be approved for a loan, that you will receive a specific loan amount, or that you will qualify for favorable interest rates or repayment terms. Loan approval and loan terms are determined solely by the participating lenders, based on their internal criteria, creditworthiness evaluations, and applicable state and federal lending laws.

5. Third-Party Lender Responsibility & Consumer Choice

All loan offers are provided by independent third-party lenders who have their own terms, conditions, disclosures, and privacy policies. AuthorityLoan.com is not responsible for lender actions, loan decisions, interest rates, fees, or repayment terms. Any agreements entered into between users and lenders are solely between those parties. Users are encouraged to carefully read and understand all loan agreements, disclosures, and applicable terms before accepting any loan offer.

6. Compliance with Lending Regulations

AuthorityLoan.com adheres to federal and state lending and marketing regulations, including but not limited to:

  • Truth in Lending Act (TILA) – Ensuring transparency in loan terms, APR disclosures, and repayment conditions.
  • Fair Lending Practices – Compliance with Equal Credit Opportunity Act (ECOA) and state consumer lending protections.
  • Federal Trade Commission (FTC) Guidelines – Preventing deceptive or misleading advertising practices.
  • Unfair, Deceptive, or Abusive Acts and Practices (UDAAP) Regulations – Ensuring fair and transparent marketing.
  • State-Specific Lending Laws – Compliance with state-imposed interest rate caps, loan term limits, and borrower protections where applicable.

7. Loan Terms & APR Disclosure

Loan terms and APRs vary by lender and borrower qualifications. The APR represents the cost of credit as a yearly rate and includes interest rates and applicable fees. APR ranges, repayment periods, and loan amounts will be disclosed to you by your lender before you sign any agreement. Loan rates and terms are subject to state laws, lender policies, and creditworthiness assessments. Late or missed payments may result in additional fees or adverse effects on your credit score.

8. Marketing & Advertising Claims

AuthorityLoan.com prohibits misleading or deceptive marketing claims, including but not limited to:

  • "Guaranteed Approval" – We do not guarantee loan approval, and all approvals are subject to lender review.
  • "Instant Funds" – Loan disbursement times vary by lender and state regulations.
  • "Lowest Interest Rates" – Interest rates vary and depend on lender policies, creditworthiness, and applicable laws.

If you encounter any misleading statements on this website or in third-party marketing related to our services, please report them immediately to ensure compliance with FTC, CFPB, and state consumer protection laws.

9. TCPA & Consumer Communication Consent

By submitting a loan inquiry, you consent to being contacted by AuthorityLoan.com, its lending partners, and third-party financial service providers via phone, email, text messages (SMS), or automated dialing systems, in accordance with the Telephone Consumer Protection Act (TCPA). You may opt-out of communications at any time by following the instructions provided in the communication or contacting us directly.

10. Contact Information

AuthorityLoan.com
1312 17th Street, Unit 1582
Denver, Colorado 80202
Email: support@authorityloan.com

11. Final Acknowledgment

By using this website, you acknowledge and agree to this Ad Disclosure. AuthorityLoan.com reserves the right to update this disclosure at any time to reflect changes in regulations or business practices.

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1. Lending Guarantee Disclaimer

No Lending or Loan Guarantee

AuthorityLoan.com is a marketing and lead generation platform. It does not engage in lending, credit extension, or making credit decisions. Any offers or financial products are made by third-party lenders or service providers. We disclaim liability for their terms, actions, or omissions. Users must evaluate any lender independently before entering into an agreement.

2. Affiliate Disclosure

Affiliate and Revenue Disclosure

AuthorityLoan.com receives compensation from lenders, aggregators, and other financial service providers for the sale and transfer of consumer loan inquiries ("leads"). The compensation received may influence how and where offers appear on this website. The inclusion of lenders or partners on this site does not constitute an endorsement or recommendation. AuthorityLoan.com does not control the terms or policies of any third-party lender and encourages all users to independently verify any lender before engaging in any transaction.

3. Earnings and Results Disclaimer

No Guarantee of Loan Approval, Terms, or Financial Results

AuthorityLoan.com does not guarantee loan approval, interest rates, repayment terms, or specific financial outcomes. Any statements or representations on this website regarding potential loan approvals or outcomes are for informational purposes only. They should not be relied upon as guarantees. Actual terms and loan decisions are made solely by participating lenders based on their independent underwriting criteria and applicable laws. Users should carefully review all disclosures and agreements from any lender prior to entering into a loan contract.

4. TCPA Consent Disclaimer

Consent to Contact Under the TCPA

By submitting personal information on this website, users expressly consent to be contacted by AuthorityLoan.com, its partners, lenders, and service providers for marketing and servicing purposes via telephone, text message (SMS), email, or other means of communication, including the use of automated dialing systems and prerecorded messages, in accordance with the Telephone Consumer Protection Act (TCPA). This consent includes recurring messages and may involve telemarketing messages. Consent to be contacted is not a condition of using this website or purchasing any goods or services. Users may opt out of communications at any time by following the opt-out instructions included in the communication or by contacting AuthorityLoan.com directly.

5. Third-Party Liability Disclaimer

Limitation of Liability for Third-Party Actions

AuthorityLoan.com is not responsible for the products, services, actions, or terms of any third-party lender, aggregator, or financial service provider. This includes—but is not limited to—loan denials, repayment terms, fees, rates, or any collection activities. Users enter agreements with third-party providers at their own discretion and risk. Any agreements, contracts, or transactions entered into between users and third parties are strictly between those parties. AuthorityLoan.com does not review, endorse, or guarantee any lender's products, terms, or services and disclaims all liability arising from interactions, disputes, or agreements between users and third-party lenders. Users are encouraged to conduct their due diligence and review lender terms carefully before proceeding.

6. Regulatory Compliance Disclaimer

Regulatory Compliance and No Legal or Financial Advice

AuthorityLoan.com operates in accordance with applicable federal and state laws and regulations, including but not limited to consumer protection and data privacy laws. However, the information provided on this website is for general informational purposes only. It does not constitute legal, financial, or professional advice. Users should consult with licensed attorneys or financial professionals regarding any legal or financial matters. AuthorityLoan.com does not guarantee that interactions with third-party lenders will meet specific legal or regulatory requirements applicable to individual users.

Consumer Risk Disclosure

Borrowing money through short-term and installment loans carries financial risks. High-interest loans may not be suitable for all borrowers, and failure to repay may result in additional fees, collection efforts, or negative impacts on your credit score. Before accepting any loan offer, carefully review the lender's terms, repayment schedule, and total loan cost to ensure it aligns with your financial situation. If you are facing financial hardship, consider exploring alternative lending options or consulting a financial advisor.

APR Variation Notice

The Annual Percentage Rate (APR) for loans varies depending on lender policies, state regulations, creditworthiness, and loan terms. APRs typically range from 5.99% to 35.99%, but actual APRs may be higher or lower depending on lender policies, loan duration, borrower creditworthiness, state regulations, and additional factors. Lenders are required by law to disclose the exact APR, all fees, repayment schedules, and total loan cost before you agree to the loan.

7. Privacy Disclaimer

AuthorityLoan.com adheres to the Fair Credit Reporting Act (FCRA) and Truth in Lending Act (TILA). Your information is securely processed and only shared with participating lenders or other credit service providers in compliance with federal regulations.

8. Marketing and Lead Generation Practices Disclosure

If we are unable to connect you with a lender, or even if a lender connection is made, we may share your information—including name, contact details, and loan preferences—with third-party marketing partners. These partners may contact you with offers for loans or other financial and non-financial services, via email, SMS, phone calls, or online advertising.

By submitting your information, you consent to this sharing and to being contacted by these third parties. You may opt out at any time by contacting us or following the unsubscribe instructions provided in any communication.

9. Session Recording Notice

We use Microsoft Clarity to record certain user sessions for analytics, fraud prevention, and site improvement. Session data is not used for marketing or resale and is handled in accordance with our Privacy Policy.

10. California and Colorado Residents

You have the right to request access to, deletion of, or opt out of the sale or sharing of your personal information. To exercise your rights, please contact us at support@authorityloan.com.

11. Industry Best Practices

AuthorityLoan.com follows the Online Lenders Alliance (OLA) Best Practices to promote transparency, consumer protection, and responsible marketing. We are not currently an OLA member, but are committed to these standards and intend to pursue formal membership as our business grows.

12. Not a Lender Disclosure

AuthorityLoan.com is not a lender, does not make credit decisions, and does not offer loans directly. Loan offers are provided by third-party lenders and are subject to lender approval and applicable law. Loans may not be available in all states. Actual loan amounts, APRs, and repayment terms may vary by lender, state, and credit profile.

13. Accessibility

AuthorityLoan.com is committed to providing a website that is accessible to the widest possible audience. If you experience difficulty accessing any part of our site, please contact us at support@authorityloan.com and we will work to address your concerns.

14. Consumer Complaints

To file a complaint or resolve an issue, please contact us at support@authorityloan.com. We strive to respond to all inquiries and complaints within 30 days.

By submitting this form, you agree to receive documents electronically and consent to the use of electronic signatures in all transactions related to this service. You may withdraw your consent at any time by contacting us.

15. State Restrictions

Loans and services may not be available in all states. We are currently not operating in New York, California, West Virginia and Arkansas.

Last Updated: July 21, 2025