No. Loan Mystery is a free matching service. We connect consumers with independent lenders and lending partners. We do not originate loans or make credit decisions.

Submitting our form typically involves soft matching that does not impact your credit. Individual lenders may perform their own checks later, which could include hard inquiries.

We currently help customers in the United States, United Kingdom, and Canada with country-specific form fields.

Yes. We use industry-standard encryption. We only share your data with lenders/partners with your consent. See our Privacy Policy for full details.

The form itself takes just a few minutes. Response times from lenders vary — some may contact you quickly, others within a day or two.

No. Checking your options is free and comes with no obligation. You decide whether to proceed with any lender.

Many of the lenders and partners in our network consider applications from people with less-than-perfect credit. Approval is never guaranteed and depends on the lender's criteria.

You can reach us via the Contact page or by emailing support@loanmystery.com. We also offer live chat during available hours.