Disclosures

Last updated: July 22, 2026

1. Billings Pioneer is not a lender

Billings Pioneer is a free online consumer referral and comparison service. We do not originate loans, make credit decisions, or set the terms of any loan. Loans are made by third-party lenders and lending partners in our network, each of which has its own eligibility requirements, underwriting standards, rates, fees, and terms.

2. Not an offer or commitment to lend

Submitting a request through billingspioneer.com does not guarantee you will receive a loan offer, be approved, or receive the amount you requested. Approval and terms are at each lender's sole discretion and are subject to their verification of the information you provide, your credit profile, ability to repay, employment, income, and applicable state and federal law.

3. Representative APR example

Personal loans offered by lenders in our network generally range from 5.99% to 35.99% APR, with repayment terms typically from 12 to 84 months. Loan amounts typically range from $1,000 to $50,000.

For example, a $10,000 personal loan repaid over 36 months at a 15.99% APR would require 36 monthly payments of approximately $351.52, for a total of $12,654.72. This is a representative example only and is not an offer, commitment, or guarantee of credit. Your actual rate, monthly payment, and total cost will depend on the lender, your creditworthiness, loan amount, term, and state of residence.

4. Impact on credit

Submitting a request on our Site involves a soft credit inquiry, which does not affect your credit score. If you proceed with a formal application with a lender, that lender may perform a hard credit inquiry, which can temporarily affect your credit score.

5. Late payments and non-payment

Late payments, missed payments, and non-payment may result in additional fees and charges assessed by the lender, may be reported to consumer credit reporting agencies, and can negatively affect your credit score and ability to obtain credit in the future. Review the loan agreement carefully before signing.

6. Compensation

Billings Pioneer receives compensation from lenders and lending partners when it refers consumers who ultimately receive a loan offer or fund a loan. This compensation may influence which lenders appear on the Site and the order in which they are presented, but does not affect the underwriting decisions those lenders make. Our service is free to consumers.

7. State restrictions

Some loan products, amounts, or terms are not available in every state. Residents of some states may not be eligible for certain products. Applicable state laws govern maximum APRs, fees, and disclosures.

8. Bank name field

We ask for the name of your primary bank only to help lenders confirm you have an active U.S. bank account for potential loan disbursement and repayment. We do not collect account numbers, routing numbers, or online banking credentials on this website.

9. Company & licensing information

10. Questions

For questions about these disclosures, reach us through our Contact page.