Nature of the service
This website and related applications are online advertising and marketing services designed to help consumers discover, compare, and connect with third-party lenders and lending partners.
UNION WY FINANCE COMPANY LLC operates UTF as a loan comparison and referral marketplace. We provide information, tools, and matching services - we do not originate loans or make credit decisions ourselves.
We are not a lender
UTF is not a lender, loan broker, bank, financial institution, or financial advisor. We do not:
- make credit decisions;
- originate, fund, or service loans;
- guarantee approval, funding, or specific terms;
- set APRs, fees, repayment schedules, or underwriting standards;
- provide personalized financial, legal, or tax advice.
How we are compensated
Our service is offered free of charge to consumers. We are compensated by third-party lenders, lending partners, and marketing networks in our network for connecting them with consumers who request loan information or choose to proceed with an offer.
Compensation may take forms including:
Compensation arrangements vary by lender, product, and partner. Specific terms of commercial relationships are proprietary but do not increase costs charged directly by lenders to you for the same disclosed product.
- referral fees;
- cost-per-lead or cost-per-application payments;
- cost-per-funded-loan or performance-based arrangements;
- other commercial agreements with participating partners.
Effect on presentation and ordering
The compensation we receive may influence:
We strive to present useful comparisons and disclosed offer terms, but commercial relationships are one factor in marketplace presentation. See How we make money for our consumer-facing explanation of ordering practices.
- which lenders are presented to you;
- the order in which lenders or offers appear;
- which products are featured or highlighted on the Site or App;
- whether certain partners participate in a given matching session.
No endorsement or recommendation
The content displayed on the Service - including references to specific lenders, products, rates, reviews, comparison tables, or educational materials - does not constitute an endorsement, recommendation, or guarantee by UTF.
References to lenders or products are provided for informational and comparison purposes. You are responsible for evaluating whether any offer fits your needs and for reviewing all lender disclosures before entering an agreement.
Third-party trademarks, logos, and product names remain the property of their respective owners.
Lender determinations
Loan amounts, interest rates, APRs, fees, repayment terms, funding timelines, and approval decisions are determined solely by individual lenders based on:
Not all lenders can provide your full requested amount. Not all applicants will qualify for an offer. Preliminary or illustrative figures on the Service are not guarantees of final terms.
- their own underwriting criteria;
- the information you provide;
- creditworthiness and eligibility factors;
- applicable law and product rules.
Loan terms, APRs, and borrowing risks
Loan amounts through our network may range from $350 to $4,500, with terms from 3 to 60 months and APRs from 6% to 35%, depending on the lender and your credit profile. Actual terms vary.
Short-term loans, high-cost credit, and certain bad-credit products may carry high APRs and can be expensive. Borrow only what you need and ensure you can meet repayment obligations.
Before borrowing, review the lender's Truth in Lending disclosures, fee schedules, and repayment terms. If you are unsure whether a product is appropriate, consult a qualified financial professional.
State availability
This service may not be available in all states. The Service is not available in New York. Availability may vary depending on provider restrictions, licensing requirements, and regulatory rules in your jurisdiction.
You are responsible for understanding lending laws applicable in your state before borrowing. Nothing on the Service is a substitute for independent legal or financial advice.
Third-party websites and providers
The Service contains links, referrals, redirects, and integrations that may take you to third-party websites or applications operated by lenders and partners.
When you leave UTF or continue with a provider:
- your interaction is governed by that provider's terms and privacy practices;
- your contractual relationship is solely between you and that provider;
- UTF is not responsible for the provider's decisions, servicing, or conduct.
Your choice
You are never obligated to accept any offer presented through the Service. You may:
Submitting a request or checking options does not commit you to a loan.
- compare multiple offers;
- decline all offers;
- stop using the Service at any time before entering a binding agreement with a lender.
Related documents
Additional documents that may apply depending on your interaction with us include:
Changes to this disclosure
We may revise this Advertising Disclosure periodically. Updated versions will be posted on this page with revised effective dates. Material changes may be highlighted through Site notices, App notices, or other reasonable communications where practical.
Continued use of the Service after updates constitutes acceptance of the revised Disclosure to the extent permitted by law.
Contact us
Questions about this Advertising Disclosure?
UNION WY FINANCE COMPANY LLC
201 W Lakeway Rd
Gillette, WY 82718-6305
United States
Email: help@uniontrustfinance.com
Subject Line: Advertising Disclosure Inquiry
Contact
UNION WY FINANCE COMPANY LLC
201 W Lakeway Rd, Gillette, WY 82718-6305, United States
help@uniontrustfinance.com
Questions about this document? Contact support.