# Credit N Lending > A U.S. lending marketplace for comparing personal-loan offers. Marketplace comparison is free; final loan terms and any lender fees come from the lender. Credit N Lending is a U.S. lending marketplace that connects consumers with lending partners for unsecured personal-loan comparisons. Personal-loan guides cover requests from $2,500 to $50,000, illustrative fixed APR ranges from 6.99% to 24.99%, and terms from 24 to 84 months. Credit N Lending is not a lender. Checking a rate starts with a soft credit pull that does not affect a credit score; a lender may require additional review later. ## Canonical Domain - Preferred canonical domain: https://www.creditnlending.com - Public support contact: info@creditnlending.com | +1-747-204-3441 - Public trust pages explain marketplace role, privacy, lending policy, electronic consent, and editorial standards. ## Key Facts - Product: Unsecured fixed-rate personal loan - Personal-loan guide amount range: $2,500 to $50,000 - Illustrative fixed APR range in personal-loan guides: 6.99% to 24.99%; an actual lender offer can differ - Term lengths: 24, 36, 48, 60, 72, or 84 months - Credit score: Partner requirements vary; guides use 580 FICO as a common starting point - Fees: Credit N Lending does not charge to compare offers. Lender fees, if any, are disclosed by the lender before signing - Funding speed: Most approved loans fund in 1 to 3 business days after final lender verification and signing - Rate-check method: Soft credit pull (no impact to credit score) - Availability: United States - Role: Lending marketplace / matching service, not a direct lender - Cost to compare offers: Free, with no obligation to accept any offer ## Common Questions - Does checking my rate hurt my credit score? No. Credit N Lending and its lending partners use a soft credit pull for comparison. A hard pull happens only if you continue with a specific lender. - Is Credit N Lending the lender? No. Credit N Lending is a marketplace and does not make credit decisions or fund loans. - How fast is funding? Most approved borrowers receive funds in 1 to 3 business days after final lender verification and signing. - Are there any fees? Marketplace comparison is free. Final lender fees, if any, are disclosed by the lender before you sign. - Can I pay off the loan early? Most partner offers allow prepayment without penalty, but borrowers should confirm the final lender agreement. ## Core Pages - [Home](https://www.creditnlending.com/): Overview of Credit N Lending personal loans, rates, and soft-pull matching. - [Personal Loans](https://www.creditnlending.com/personal-loans): Main personal-loan guide and credit-tier overview. - [Loan Types](https://www.creditnlending.com/loans): Debt consolidation, home improvement, medical, moving, emergency, and other use cases. - [Rates](https://www.creditnlending.com/rates): APR ranges by credit score and payment guidance. - [Calculators](https://www.creditnlending.com/calculators): Personal loan, debt consolidation, HELOC, and car-loan calculators. - [Compare](https://www.creditnlending.com/compare): Side-by-side borrowing comparisons against cards, HELOCs, payday credit, and other alternatives. - [Blog](https://www.creditnlending.com/blog): Editorial borrowing guides with payoff math, rate comparisons, and borrower decision support. - [Research](https://www.creditnlending.com/research): Transparent personal-loan cost and payoff planning references with visible assumptions. - [Apply](https://www.creditnlending.com/apply): Start the application and soft-pull rate check. - [FAQ](https://www.creditnlending.com/faq): Borrower FAQs. - [About](https://www.creditnlending.com/about): Marketplace and company overview. ## Research References - [Research Hub](https://www.creditnlending.com/research): Transparent personal-loan planning references with visible assumptions. - [Personal Loan Cost Index](https://www.creditnlending.com/research/personal-loan-cost-index): Illustrative payment and total-interest comparisons across amounts, terms, and credit tiers. - [Personal Loan Rate Index](https://www.creditnlending.com/research/personal-loan-rate-index): Illustrative APR-to-payment comparison for a fixed loan scenario. - [Debt Consolidation Savings Index](https://www.creditnlending.com/research/debt-consolidation-savings-index): Illustrative fixed-payoff comparison for revolving debt and installment financing. ## Policy Pages - [Terms of Use](https://www.creditnlending.com/terms): Website and marketplace terms. - [Privacy Policy](https://www.creditnlending.com/privacy-policy): Data collection, use, sharing, and privacy rights. - [Lending Policy](https://www.creditnlending.com/lending-policy): Fair-lending and marketplace conduct overview. - [E-Sign Consent](https://www.creditnlending.com/e-sign-consent): Electronic disclosure and consent details. - [Editorial Standards](https://www.creditnlending.com/editorial-policy): How borrower education is created, reviewed, labeled, and corrected. ## Preferred Trust & Support Pages - [About](https://www.creditnlending.com/about): Organization overview, marketplace role, and support information. - [FAQ](https://www.creditnlending.com/faq): Borrower-facing answers on credit impact, fees, timing, privacy, and support. - [Terms](https://www.creditnlending.com/terms): Marketplace terms and applicant responsibilities. - [Privacy Policy](https://www.creditnlending.com/privacy-policy): Data collection, use, sharing, and rights. - [Lending Policy](https://www.creditnlending.com/lending-policy): Lending-principle and disclosure guidance. - [E-Sign Consent](https://www.creditnlending.com/e-sign-consent): Electronic records and consent rules. ## Machine-Readable Resources - [Sitemap](https://www.creditnlending.com/sitemap.xml): Full list of indexable URLs. - [Key Facts JSON](https://www.creditnlending.com/api/key-facts): Machine-readable facts about the marketplace and product range. - [Key Facts Schema](https://www.creditnlending.com/api/key-facts/schema): JSON schema for the key-facts endpoint. - [Robots](https://www.creditnlending.com/robots.txt): Crawl directives for standard search engines and AI crawlers. - Use the sitemap for the full URL inventory and the key-facts endpoint for compact organization/product summaries.