Who We Are Behind the Amicus Lending Search
We are a free online connector, not a lender. People who search amicus lending reach a service that takes one short request and shares it with lenders in a third-party network for amounts from $500 to $5,000.
Our job is narrow on purpose. We built a single request form so you do not have to retype your income, address and loan purpose on a dozen lender websites. After you submit, lenders in the network review the request and decide whether to make an offer. Approval, APR, fees, repayment terms and funding timing all come from the lender, never from us.
Close to 27,000 borrowers have used the service so far, and they rate the experience 4.5 out of 5 on average across 2,424 borrower ratings.
Our Mission for People Comparing Personal Loans
Our mission is to make borrowing a small amount feel less like guesswork. We help you see real offers side by side, understand the cost in plain language, and walk away from any offer that does not fit your budget.
Most people who use the form are dealing with a specific, near-term cost: a $1,200 transmission repair, a water heater that quit in January, a cluster of credit card balances they want to roll into one payment, or travel home for the holidays. A personal loan can make sense for costs like these when the monthly payment fits comfortably and the total repaid is clear before you sign.
We would rather you skip a loan than take one that strains your budget. That is why every cost figure on the site is labeled as an estimate and why there is never an obligation to accept an offer.
How We Make Money
We earn compensation from lenders and marketing partners in the network, usually when a request is passed along or when a loan is funded. You never pay us a fee to submit a request, compare offers or decline them.
Compensation can influence which lenders appear and the order in which offers are shown. It does not change how a lender evaluates your credit, income or state eligibility, and it does not change the terms a lender offers you. The full explanation, including how partner payments work and what they do not affect, is in our advertiser and lending disclosure.
What We Do and What We Do Not Do
Our service handles the request and the match, while everything about the loan itself stays with the lender. Knowing where that line sits helps you send each question to the right place.
What we do:
- Collect one request and share it with lenders in the network that may serve your state
- Show you an offer or send you to a lender's site when a match is found
- Publish guides, payment estimates and estimated APR ranges by credit tier so you can compare costs
- Answer questions about the request process by email and phone
What we do not do:
- Make credit decisions, set APRs or issue any loan
- Charge borrowers application, matching or broker fees
- Collect loan payments, manage accounts or change due dates
- Promise that any lender will make an offer
Each stage, from the form to repayment, is laid out in how our request process works.
Standards for Lenders in the Network
Lenders and partners in the network are expected to hold the licenses their states require and to disclose APR, fees and terms clearly before you sign. We review that information when a partner joins and again whenever borrower complaints come in.
The standards we look for include:
- State licensing, or another lawful basis to offer credit, in every state where offers are shown
- APR and fee disclosures consistent with federal Truth in Lending rules before you accept
- A written loan agreement you can read, download and keep
- Fair, lawful collection practices and timely replies to borrower complaints
- Reasonable security for the information shared with them
When a lender repeatedly falls short, we can pause or remove that lender from the network. We cannot, however, overturn a lender's decision on an individual application or rewrite the terms of a loan already signed.
Editorial Standards for Our Guides
Our editorial team writes every guide on the site, checks each figure for accuracy before publishing, and reviews pages monthly so rate ranges, examples and rules stay current.
Every APR and payment figure is presented as an estimate. For example, at an estimated 24.99% APR, a $1,000 loan repaid over 12 months works out to about $95.04 a month, while the same amount over 24 months is about $53.37 a month. Real offers depend on the lender, your credit, your income and your state.
Lenders and partners do not write, edit or approve our guides, and compensation has no role in what the editorial team recommends. If you spot an error, tell us and we will review the page and correct it.
How to Reach Our Team
You can email [email protected], call (888) 583-5714 on weekdays, or write to 1077 Summit Drive, Suite 298, Pierre, SD 57501. Questions about an existing loan should go to the lender that made it.
Our support team can explain how the request form works, help with privacy requests, and route complaints about lenders in the network. Hours, response times and what each channel is best for are listed on our contact page.
Ready to see what lenders can offer?
One short request, no fee to use our service and no obligation to accept an offer.