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Superior Funding is committed to transparency about how our service works and how we earn revenue. This disclosure explains our role, our compensation, and the limitations of our service.
Superior Funding is a loan-matching service. We connect qualified borrowers with a network of independent partner lenders. We do not originate loans, hold loan agreements, fund loans, set interest rates, or service loan payments. The lender that approves your application is responsible for all aspects of the loan relationship.
We earn revenue through referral compensation paid by partner lenders when borrowers accept their loan offers. This compensation does not affect the terms of your loan in any way. The interest rate, fees, term length, and total cost you pay are determined solely by the lender that approves you, based on their underwriting criteria. We are paid the same regardless of which lender you choose from your offers, and our compensation is not contingent on you accepting a higher-cost loan.
This compensation model is similar to how real estate agents are compensated by referral fees, and it allows us to provide our matching service free of charge to borrowers. You will never be asked to pay Superior Funding any fee to use our service.
Loans available through our partner network range from $500 to $5,000. Annual percentage rates typically range from approximately 5.99% to 35.99%, depending on the lender, your credit profile, your state of residence, and other underwriting factors. Repayment terms typically range from 3 to 60 months. Specific terms vary by lender and will be disclosed to you in full before you sign any loan agreement.
Here is an example to illustrate how a loan from a Superior Funding partner lender might look. A borrower with fair credit takes out a $2,500 personal loan at 24.99% APR with a 24-month term. The monthly payment would be approximately $132, the total interest paid over the life of the loan would be approximately $671, and the total amount repaid would be approximately $3,171. This is an illustrative example only. Your actual rate, term, payment, and total cost may differ significantly based on your individual circumstances.
Our initial eligibility check uses a soft credit inquiry that does not affect your credit score and is not visible to other lenders. A hard credit inquiry, which may temporarily reduce your score by a few points, is only performed if you choose to formally accept a specific loan offer. Once you have a loan, your payment history will be reported to the major credit bureaus by your lender, which can positively or negatively affect your credit score depending on whether payments are made on time.
The terms you receive on any loan offer depend on a combination of factors that vary by lender but typically include your credit history and current credit score, your verified income and the stability of that income, your debt-to-income ratio including any obligations not yet appearing on credit reports, your state of residence and the regulatory environment that applies there, the length of time at your current employer and current address, the loan amount you requested, the term length you selected, and any specific underwriting factors the chosen lender weights in its scoring model.
Borrowers with similar credit profiles can receive meaningfully different offers from the same lender because of these other factors. This is why we encourage all applicants to compare multiple offers rather than accepting the first one received, and why we make multiple offers available through a single application rather than directing every borrower to a single lender.
Our partner lender network is curated rather than open. We work only with lenders who meet our standards for transparent disclosure, reasonable underwriting practices, fair customer service, and compliance with applicable federal and state lending regulations. We periodically review the performance of partners in our network and remove those who fall below our standards, including for reasons related to customer complaints, deceptive practices, or aggressive collection behavior. We do not publicly list the lenders currently in our network, because the network composition changes from time to time, but every lender that responds to your application is identified by name in the offer you receive.
If you have a complaint about a specific lender in our network, please contact our customer service team in addition to contacting the lender directly. We take partner lender complaints seriously and use them as inputs to our ongoing network evaluation. The fact that a lender appears in our network at one point in time is not a guarantee they will remain in our network indefinitely.
Superior Funding operates as a loan matching service rather than as a direct lender. We are not subject to state lending license requirements as a non-lender. The partner lenders in our network maintain their own state-by-state lending licenses appropriate to the loans they originate, and the terms of any loan you receive are governed by the lender's licensing jurisdiction and the federal and state consumer protection laws that apply. Our role in the transaction is limited to the matching service, the technical infrastructure that supports it, and the compensation arrangement described above.
If you believe that a Superior Funding partner lender has violated applicable consumer protection law in connection with a loan offer or a funded loan, you have the right to file a complaint with the Consumer Financial Protection Bureau, your state attorney general's office, or your state's banking or financial institutions regulator. Superior Funding will cooperate fully with any such investigation and supports the regulatory framework that protects consumers in the lending space.
This service is not available in all states. Specific partner lenders in our network are licensed to operate in different sets of states, and your application is matched only to lenders licensed where you live. If no partner lender in our network is available for your specific state and loan type, you will be informed promptly.
Late or missed loan payments may result in late fees, returned payment fees, increased interest costs, negative reporting to credit bureaus, and in extreme cases, collection activity or legal action by the lender. We strongly encourage all borrowers to contact their lender immediately if they anticipate difficulty making any payment, as most lenders offer hardship programs that protect borrowers who reach out before missing payments.
Personal loans are a financial tool. Like any tool, they can build something useful or cause harm depending on how they are used. Superior Funding encourages all borrowers to read loan agreements carefully, understand the full cost of borrowing, confirm that monthly payments fit comfortably within their household budget, and borrow only the amount needed for a specific purpose. Borrowing more than you need almost always costs more interest than it benefits the borrower.
Superior Funding does not provide tax, legal, or financial advice. Information on our site and in our communications is for educational purposes only and should not be relied upon as a substitute for professional advice from licensed professionals in your jurisdiction.
Questions about this disclosure or how our service works can be directed to:
Superior Funding
4750 Sunridge Hollow Lane, Suite 398
Brookhaven, GA 30319
Email: [email protected]
Phone: +1 (888) 840-7228
