FAQs for Consumers​

You can simply complete the online application within seconds. Once you submit your information, you’ll be immediately matched with the best options available based on your situation.

We take consumer and business privacy very seriously, and all of your information is safe and secure in a variety of different ways. One way is by using SSL to establish an encrypted link, so everything you provide to us remains private. You can review our privacy and security policy in the privacy section of this site.

HelloRates can provide financing for nearly any product or service you can think of. See our page that lists all of the products and services here

Yes, HelloRates can still provide you with financial options, but having an email address will open the door to many more options.

An unsecured loan, or personal loan, is a loan that is based solely on the borrower’s creditworthiness, rather than on any type of collateral. An unsecured loan can be used for nearly any purpose, including home improvements, debt consolidation, travel, medical & dental wedding expenses, and many more.

A secured loan is a loan that is secured by a valuable asset, such as a car or home. The asset is used as collateral for the loan, and if you default, the bank or lender can repossess the car, home, or other asset that is pledged.

HelloRates has partner network programs for all credit types.

Unfortunately, we only offer our program in the US at this time.

There are no requirements to accept any of the options that are presented. It’s best practice to notify the lender directly that you are declining their offer so that they can allocate that money to someone else.

Yes, HelloRates has lending partners that work with borrowers with poor to excellent credit. All loan and underwriting decisions are performed and provided by our lending partners.

HelloRates is not a lender and does not pull credit or make credit decisions. HelloRates works with best in class lenders and card providers through our loan portal engine. Most lenders will only pull a soft credit report that will not affect your score. Most credit card providers that can be found through the HelloRates site will pull a credit report in order to make their final underwriting decision.

“A soft credit inquiry is an inquiry that occurs when either you, a credit card company, or a lender checks your credit to pre-approve you to offer you credit. Soft inquiries do not appear on your credit report, nor do they impact your credit scores whatsoever. A hard credit inquiry is an inquiry that occurs when you apply to a bank or lender so they can review your credit report as part of their decision-making process. A hard inquiry does show up on your credit report and will impact your credit score. This type of inquiry appears on your credit report for two years (24 months), however, it will only impact your credit score for the first year (12 months).”

HelloRates never charges the consumer any fees to utilize the services. Each lending partner you are matched with determines their own policy on what they charge. We are unable to determine the amount of closing costs or out-of-pocket expenses you may incur; however, if we are able to match you with a lending partner, you can discuss your specific situation with them once you review their loan terms and are in contact.

Of course, please reach out using our contact form, and one of our friendly customer success agents will be happy to help you.