Material Disclosure: Deer Creek Lending is not a lender, loan broker, or agent for any lender or loan broker. We are a marketing lead generator and free connection service. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions, or concerns regarding your loan, please contact your lender directly. Not all lenders can provide loan amounts up to $5,000. Loan amounts, rates, and terms may vary by lender and state. Not all applicants will be approved for a loan. Cash transfer times may vary between lenders and may depend on your individual financial institution. In some circumstances, lenders may require additional documentation through fax or email. You may be connected with a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.
APR Disclosure: The APR associated with your loan may range from 5.99% to 35.99% depending on the lender and your credit profile. APRs are generally higher for borrowers with lower credit scores. Loan terms may range from 61 days to 72 months. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. Deer Creek Lending does not make credit decisions and cannot guarantee loan approval. Any credit products offered by lenders have renewal/rollover options which may charge additional fees. You should review your lender's renewal policy before signing the loan agreement. Late payments may result in additional fees or collection activities. Non-payment may result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender's renewal policy.
Credit Implications: The lender may conduct a credit check, including through one or more third-party credit reporting agencies, to assess your creditworthiness. By submitting your information, you authorize the lender and/or its partners to obtain your credit information. Non-payment of a loan may negatively impact your credit score. This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or where Deer Creek Lending does not have an available lender, you will not be connected to a lender. You are urged to read and understand the terms of any loan offered by any lender and to reject any loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Exclusions: Residents of certain states may not be eligible for some or all short-term, small-dollar loans. Residents of New York, West Virginia, and the District of Columbia are not eligible to use this service. This service is not available in all states. The states this website services may change from time to time and without notice.
Fair Debt Collection Practices Act: As part of the Fair Debt Collection Practices Act (FDCPA), Deer Creek Lending does not collect debts. All lenders in our network follow FDCPA guidelines, and collection of your account will be conducted by your lender in accordance with the FDCPA. If you feel your lender is in violation of the FDCPA, you may file a complaint with the Consumer Financial Protection Bureau (CFPB).
OLA Compliance: Deer Creek Lending is a member of the Online Lenders Alliance (OLA) and follows its Best Practices and Code of Conduct. OLA members follow guidelines designed to ensure fair, transparent, and responsible lending practices.