Who we are
UNION WY FINANCE COMPANY LLC operates UTF as an online loan comparison and referral marketplace. UTF:
Our role is limited to helping you discover, compare, and connect with third-party lenders and lending partners based on information you voluntarily submit. Any credit decision, loan offer, approval, funding, or servicing is handled exclusively by the lender you choose.
- is not a lender;
- is not a loan broker;
- is not a bank or financial institution;
- does not issue loans or cash advances;
- does not make underwriting, approval, or denial decisions;
- does not determine APRs, fees, repayment terms, or funding amounts.
What you authorize
By submitting information through the Service, you expressly authorize UTF, its service providers, participating lenders, lending networks, and marketing partners to:
This Authorization applies to information obtained before, during, and after your use of the Service, to the extent permitted by law and consistent with the purposes described herein.
- obtain, verify, and use consumer reports and credit-related information about you;
- obtain information from credit reporting agencies, public records, and other lawful sources;
- use the information you provide and information obtained on your behalf to evaluate preliminary eligibility;
- match, filter, and present potential loan or financing options;
- share relevant matching information with participating providers when you request offers or choose to continue with a provider;
- retain records relating to your request as described in our Privacy Notice.
Soft inquiries and hard inquiries
When you check options through UTF, participating lenders or their partners may review your information using a "soft inquiry" or similar pre-qualification process that generally does not affect your credit score.
If you choose to proceed with a specific lender or submit a formal application on that lender's website or platform, that lender may conduct a "hard inquiry" or full underwriting review. A hard inquiry may appear on your credit report and may affect your credit score.
You understand that:
- pre-qualification or rate-check results are not guarantees of approval;
- final terms may differ from preliminary estimates;
- a lender may decline your application after a hard inquiry;
- multiple hard inquiries in a short period may affect your credit score.
Information that may be obtained
Subject to your submission and applicable law, information obtained or used under this Authorization may include:
UTF does not intentionally request Social Security numbers, government ID numbers, or full bank credentials on the Site for initial matching. If a lender requires such information, collection occurs on that lender's own systems under its own terms and privacy practices.
- name, address, and contact details;
- date of birth and identity-related information;
- employment status, income source, and income range;
- requested loan amount and borrowing preferences;
- housing status and monthly obligations you disclose;
- bank account or payment information if voluntarily provided to a lender (not collected by UTF on the Site for matching purposes).
- credit score or score range;
- credit history, tradelines, and payment patterns;
- public record information where lawfully available;
- fraud-prevention and identity-verification data;
- other information reasonably necessary to evaluate matching eligibility.
Permitted purposes
Information obtained under this Authorization may be used for purposes including:
Participating providers may use information for their own underwriting, marketing (where permitted), and servicing purposes in accordance with their policies and your separate consents.
- matching you with participating lenders and lending networks;
- displaying preliminary offers, rates, or product options;
- verifying the accuracy of information you submit;
- preventing fraud, abuse, and unauthorized activity;
- complying with legal, regulatory, and audit requirements;
- servicing your request and communicating about your application status;
- internal analytics, quality assurance, and platform improvement.
Sharing with lenders and partners
When you submit a request or choose to continue with an offer, we may share relevant information with one or more participating lenders, lending networks, or referral partners so they can evaluate your request and present options.
Once information is shared with a lender, that lender's privacy practices and authorizations govern further use. See our Privacy Notice and Advertiser Disclosure for additional detail.
No guarantee of approval or terms
Submitting a request or receiving preliminary options does not guarantee that:
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 or high-cost credit can be expensive. Please borrow responsibly.
- you will receive an offer;
- any offer will match preliminary estimates;
- a lender will approve your application;
- you will receive your full requested amount;
- specific rates, APRs, fees, or terms will be available.
Your rights under the FCRA
If a consumer report is obtained in connection with your request, you may have rights under the Fair Credit Reporting Act (FCRA), including the right to:
You may obtain a free annual credit report from each nationwide credit reporting agency at annualcreditreport.com. For more information about your FCRA rights, visit the Consumer Financial Protection Bureau or Federal Trade Commission websites.
If you believe a lender or credit reporting agency has violated your rights, you may contact that party directly or consult counsel. UTF is not a credit reporting agency.
- be told if information in your file has been used against you in certain circumstances;
- know what is in your file;
- dispute incomplete or inaccurate information;
- limit certain prescreened solicitations.
Duration and scope
This Authorization remains effective for the period reasonably necessary to:
Unless otherwise required by law or agreed with a specific lender, this Authorization generally applies to the specific request or account session in which you provided consent and related follow-up communications. Continued use of the Service or submission of new requests may require renewed consent.
- process your current request;
- facilitate matching and referral activities you initiate;
- maintain records as described in our Privacy Notice;
- comply with law and resolve disputes.
Withdrawal and limitations
You may choose not to proceed with any offer or lender at any time before entering a binding agreement with that lender.
If you wish to withdraw consent for future marketing communications, follow the opt-out instructions in our Privacy Notice or in the message you received. Withdrawal of marketing consent does not affect information already shared with a lender you chose to engage, information retained as required by law, or communications necessary to service an existing relationship permitted by law.
You understand that once information has been shared with a third-party lender, UTF cannot control that lender's retention or use of the information.
Eligibility and state availability
This Authorization applies only if you:
The Service is intended for residents of supported U.S. jurisdictions. The Service is not available in New York. Availability may vary depending on provider restrictions and regulatory requirements.
- are at least 18 years old;
- are a U.S. resident;
- have legal capacity to enter binding agreements;
- submit truthful and accurate information.
Electronic consent
By submitting your request electronically, you agree that your electronic acceptance has the same legal effect as a handwritten signature to the extent permitted by applicable law, including the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state laws.
Changes to this authorization
We may revise this Authorization periodically. Updated versions will be posted on this page with revised effective dates. Material changes may be communicated through the Site, App, or other reasonable means where practical.
Your continued submission of requests after an update constitutes acceptance of the revised Authorization to the extent permitted by law.
Contact us
Questions about this Credit Authorization?
UNION WY FINANCE COMPANY LLC
201 W Lakeway Rd
Gillette, WY 82718-6305
United States
Email: help@uniontrustfinance.com
Subject Line: Credit Authorization 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.