About FrontPay USA

We don't lend money.
We make it legible.

FrontPay USA is a loan-connection service. You tell us what you need; licensed lenders in your state tell you what they'll offer; we make sure every offer shows the same four numbers so you can compare them and walk away if none fits. We're paid by the lender you choose, never by you.

"The product isn't the loan. It's the moment before the loan, when you can still say no."— the sentence this site was built around

What FrontPay is.
What it isn't.

We are

A loan-connection service. Your request goes to lenders licensed in your state; the one you pick funds and services the loan.
Paid by lenders. A referral fee when a loan funds, out of the lender's margin. Nothing added to your loan, nothing charged to you.
A publisher. Every rate, fee and rule on this site is written by us, checked monthly, and dated.
Opinionated. We tell you when a credit union, a payment plan or a cash advance app is the better call, on the page, before the button.

We are not

A lender. We make no credit decisions, hold no loans, collect no payments.
A lead broker. Applications go to lenders who can make an offer, and nowhere else. They are not resold.
The $100 FrontPay cash advance. That's joinfrontpay.com, a separate company. The three FrontPays
An app. There's no FrontPay USA app; the one in the App Store belongs to someone else. Details

A woman at home on a sunny morning with a cup of coffee

How the money works,
because that's the question.

Any trust page should start with who pays whom.

You pay nothing, at any step.Request, soft check, offers, declining, support: all free. The fee list is mostly zeros.

The lender pays us when a loan funds.A flat referral fee, the same for every lender, so we have no reason to steer you toward one over another.

It's not added to your APR.Lenders price loans the same whether a borrower came through us or their own site; our fee comes out of their acquisition budget.

We're paid more when you're funded, so we say so.That's a bias. We manage it by publishing the alternatives on every product page and by never writing "guaranteed" or "instant". Disclosures

Editorial standards.

Eight rules every page on this site follows. If you find a page that breaks one, email [email protected] and we'll fix it and say so.

Every rate has a source and a date.
APR ranges come from lenders' published schedules and state regulator sites, re-checked monthly. The check date is on the page.
Every rate has a worked example next to it.
Monthly payment, total repaid, cost of borrowing, computed with standard amortization, never rounded to look better.
We name the cheaper option.
Credit union PALs, biller payment plans, 211, cash advance apps for small gaps. If one beats us, the page says so before the button.
No "guaranteed", no "instant", no "no credit check".
Approval isn't guaranteed, funding isn't instant, and a soft check is a credit check. We use the accurate words.
Facts about other companies come from their own sites.
The $100 cash advance, the App Store app, competitor fees: quoted from their published pages, dated, linked where allowed.
Reviews are published as written.
Including critical ones. We don't pay for them, pre-screen them or remove them for being negative. Policy
The lender is named before you sign.
Every offer carries the lender's name and license so you can check it on NMLS yourself. How
Corrections are visible.
When a number changes or we got one wrong, the page is updated and the change is noted at the bottom, not quietly overwritten.

The lenders we work with.
And the ones we won't.

The network is small on purpose. Every lender signs the same responsible lending pledge before their first offer appears here.

Every lender in the network

Holds a state lending license where it lends, searchable on NMLS Consumer Access
Shows amount, APR, payment, total and last due date on every offer, before signature
Uses a soft inquiry to quote and a hard inquiry only on acceptance
Charges no prepayment penalty and no fee to apply
Offers a hardship option and answers complaints within five business days
Reports installment payments to the credit bureaus

Not in the network, by rule

Tribal or offshore lenders operating outside state licensing
Title lenders or anyone taking collateral
Lenders that roll loans over automatically or stack a second loan on the first
Anyone requiring a fee, insurance or "membership" before funding
Lenders that buy leads and call applicants who didn't request an offer
Anyone with an unanswered pattern in the CFPB complaint database

Who writes this.

A small team in Durham, North Carolina, organised around three jobs. We publish the roles rather than headshots; anyone on the team will sign their name in a reply.

The editorConsumer credit and rate research

Owns every rate, fee and rule on the site and the monthly re-check. Final say on what gets published.

Lender relationsLicensing and compliance review

Vets lenders against the pledge, runs the NMLS and complaint checks, and takes lenders out when they slip.

SupportCustomer operations, Central time

Answers support@ within one business day and turns the recurring questions into FAQ entries.

FrontPayUSA, LLC · 5310 S Alston Ave, Durham, North Carolina 27709. Registration and licensing details are on the disclosures page. Press and partnership enquiries: [email protected].

Keep reading.

Is FrontPay legit?Three companies, one name, how to verify Responsible lendingThe pledge, in full DisclosuresCompensation, licensing, the legal fine print ReviewsWhat borrowers say about the result

We don't lend money. We make it legible.

What FrontPay is. What it isn't.