01Who we are
frontpayusa.com is operated by FrontPayUSA, LLC, 5310 S Alston Ave, Durham, North Carolina 27709 ("FrontPay USA", "we"). FrontPay USA is a loan-connection service: we collect a loan request from you and present it to third-party lenders licensed in your state, who decide independently whether to make you an offer. We do not make loans, make credit decisions, set rates, fund loans or collect payments.
02How we are compensated
When you accept an offer from a lender in our network and the loan funds, that lender pays FrontPay USA a referral fee. The fee is the same flat amount for every lender in the network, is paid from the lender's own funds, and is not added to the amount you borrow or to your APR. You pay FrontPay USA nothing at any point: no application, membership, processing or decline fee.
Because we are paid when a loan funds, we have a financial interest in you borrowing. We manage that conflict by publishing lower-cost alternatives on every product page, by never using the words "guaranteed" or "instant", and by showing every offer with the same four numbers so you can decline it as easily as accept it.
03Representative example
Where this site shows an APR or payment, it is illustrative. Our representative example is an installment loan of $2,500 over 12 months at 35.99% APR: 12 monthly payments of $251.14, total repaid $3,013.71, cost of borrowing $513.71, no origination fee. Installment and personal loan APRs in our network currently range from 5.99% to 149% depending on the lender, your state and your application; short-term loans are priced as a finance charge of $10–$15 per $100 per 30 days where state law permits. Your actual offer may be higher or lower and is the only binding statement of terms.
04Lenders and licensing
Every lender in the FrontPay USA network holds a lending license in each state where it makes loans and is listed on NMLS Consumer Access (nmlsconsumeraccess.org). The lender's legal name and license number appear on every offer before you sign. FrontPayUSA, LLC is organized in North Carolina and operates as a loan-connection service, not a lender; it does not originate, fund or service loans and does not hold a lender's license or NMLS lender record. Where a state requires a loan broker, credit services or lead-generator registration for this activity, FrontPayUSA, LLC maintains it and will provide the registration number on request to [email protected].
Loans are not available in all states, and not all products are available in every state where we operate. Availability by state is summarized at frontpayusa.com/states/; the lender's offer controls.
05Credit inquiries
Submitting a request through FrontPay USA results in a soft credit inquiry, which does not affect your credit score and is not visible to other lenders. If you accept an offer, the lender may perform a hard credit inquiry, which can affect your score. We do not perform credit inquiries ourselves.
06Companies with similar names
FrontPay USA is not affiliated with, endorsed by or connected to (a) the "FrontPay" cash advance service at joinfrontpay.com, operated by Populus Financial Group, Inc., or (b) the "FrontPay" mobile application distributed through the Apple App Store by an unrelated developer. Information about those products on this site is drawn from their publicly available materials, dated, and provided for disambiguation only. Trademarks belong to their owners.
07Accuracy of information
Rates, fees, state rules and third-party product details on this site are checked against published sources monthly and dated on each page. They may be out of date between checks and are provided for general information, not as a quote or as legal, tax or financial advice. Nothing on this site creates a lender–borrower relationship with FrontPay USA.
08Military borrowers
Active-duty service members and their dependents are covered by the Military Lending Act, which caps the Military APR at 36% and restricts certain terms. Lenders in our network apply these protections automatically when a covered borrower is identified.
09Complaints
Complaints about FrontPay USA: [email protected]. Complaints about a lender: the lender's contact on your contract first, then FrontPay USA, then the Consumer Financial Protection Bureau (consumerfinance.gov/complaint) and your state regulator (see states).
Change history. 2026-10-30: first published. Changes are noted here with the date; the current version always lives at this address.