SunbitApplication.com is compensated by participating lenders and marketing partners when visitors submit loan requests that result in connections — that compensation funds the site, costs borrowers nothing, and never determines what our editorial guides say about rates, requirements, or whether to borrow at all.
The Business Model, Plainly
We operate a loan-connection service. When you submit the request form, your information reaches participating lenders and lending partners; when connections occur, those parties compensate us. This is the site's revenue. You are never charged — not for submitting, not for offers, not for declining them. Any loan you accept is priced by its lender through the APR and fees disclosed in your agreement, exactly as it would be through any channel.
What Compensation Influences — and What It Cannot
Compensation may influence which lenders participate in the network and, therefore, which lenders can review your request. It does not influence: the editorial content of our guides, which teach offer-judgment methods that apply to every offer including network ones; the figures in our rates guide and lender comparison, which are educational estimates compiled independently; or our repeated, explicit advice that borrowing is sometimes the wrong answer. The 28 lenders in our comparison table are included for educational breadth, not compensation — we have no affiliation with them, receive nothing for their inclusion, and link to none of them.
What We Are Not
SunbitApplication.com is not a lender, broker, or credit-decision maker. We do not fund loans, set terms, service payments, or collect debts. We are not affiliated with, endorsed by, or sponsored by Sunbit, Inc. or any other lender or brand mentioned anywhere on this site; brand names appear solely for identification and comparison. Loan approval, amounts, APRs, fees, and terms are determined solely by the lender that reviews your request and vary by profile and state law. Connection with a lender is never guaranteed. Every figure on this website is an estimate for illustration.
Questions About This Disclosure
The arrangement above is the complete picture, and questions about it are welcome at [email protected] or through the contact page. Related reading: our privacy policy covers how submitted information is handled, and our terms of use govern the website itself.