From an email link to the facts. These answers explain Freshwater Funds, loan requests, and your choices.
Read about the email, the service, and the choices ahead of you.
Freshwater Funds lets you explore how a request is submitted to independent lenders. The email is an introduction to the website, and does not determine whether you will receive an offer. A loan offer can only come from a lender after its review.
Freshwater Funds is a connecting service, not a lender. Independent lenders make their own credit decisions and set the terms of any loan they offer.
Read the Annual Percentage Rate (APR), fees, payment schedule, total repayment amount, and any conditions. Before accepting a loan, read the lender’s costs, payment dates, and conditions. Consider the total repayment amount as well as the individual payments.
You choose whether to accept any offer made by a lender. Freshwater Funds does not require you to accept a loan simply because you visit this website or submit a request.
Use the unsubscribe link in the email you received, or the Unsubscribe page. You do not need to submit a loan request to unsubscribe.
Contact your lender directly about payments, changes, or an existing agreement. For questions about using Freshwater Funds, visit our contact page.
Submitting a request does not ensure that a lender will make an offer.
Rates, terms, and loan programs are subject to change without notice. The information provided here is for illustrative purposes only and does not constitute an offer or commitment to lend. Actual loan offers may vary based on credit profile, income, collateral, and other underwriting factors determined by the lender.
The Annual Percentage Rates (APRs), monthly payments, and loan costs shown are examples and may not be available in all states or for all borrowers. Loan approval and terms are subject to verification of the information provided by the borrower and acceptance by an independent lender.
This website is not a lender or broker. It provides a service to connect consumers with independent lenders who may offer loans based on their own criteria. We do not guarantee loan approval, rates, or terms. Submission of information does not constitute a loan application.
Not all consumers will qualify for the lowest rates or largest loan amounts. Eligibility depends on individual credit profile, income, and other factors. Loan amounts and available terms may vary by state and lender.
We’re committed to giving you clear, honest information so you can make confident financial choices. Our website is free to use — we don’t charge you to compare loan options or connect with lenders. To keep our service free, we may earn a commission when you choose to work with one of our lending partners. This compensation can affect where certain offers appear on our site, but it doesn’t change the quality or independence of the information we provide.
When you apply for a loan, the amount you’re approved for might be different from what you initially requested. This can happen if the lender reviews your credit, income, and other factors and determines you qualify for a higher or lower amount. Final loan terms and amounts are always set by the lender, and they’ll share these details with you before you make any decisions.