Advertiser & lending disclosure
Full transparency about our role and compensation as a personal loan referral service.
Headway Capital is a marketing and referral service, not a lender. We are compensated by lenders and lending partners when we refer consumers, which does not add any cost to you. This page explains our role, our compensation, and the limits of what we do.
Our role
Headway Capital does not make loans, credit decisions, or funding determinations. We operate a service that connects consumers who request a personal loan with third-party lenders and lending partners who may offer one. All loan terms — including the amount, APR, fees, and repayment schedule — are set by the lender, not by Headway Capital. Loan amounts in our network range from $500 to $5,000.
Being matched with a lender is not an offer or a guarantee of credit. Not all applicants will qualify, and approval, rates, and terms depend entirely on the lender and your qualifications. Any figures shown on this site are illustrative estimates, not offers or quotes.
How we are compensated
Headway Capital may receive compensation from lenders or lending partners when we refer a consumer or when a consumer takes certain actions, such as completing a request or accepting a loan. This compensation supports our free service. It does not increase the cost of any loan you may accept, and you are never charged a fee by Headway Capital for using the service.
Compensation may influence which lenders participate in our network, but it does not change the honest information we provide. We do not tailor our guides, our rates explanations, or our reviews to favor any lender. Our aim is to help you make a sound decision, whatever it turns out to be.
What we do not promise
Headway Capital does not promise guaranteed approval, and we do not claim that any lender will approve you regardless of your credit or income. We do not claim that loans are available with no credit check under all circumstances. Any service making such promises should be treated with caution — they are common warning signs in this industry.
We also do not provide financial, legal, or tax advice. Our content is educational and general in nature. For advice specific to your situation, consult a qualified professional. Always read a lender's full agreement and disclosures before accepting a personal loan.
Borrow responsibly
A personal loan is a serious financial commitment. Borrow only what you need and only what you can reasonably repay. Late or missed payments can result in fees and can affect your credit. If you have questions about a specific offer, contact the lender directly, since they hold the details and make the decisions.
For help thinking through whether and how to borrow, see our smart borrowing guide and eligibility page. Headway Capital is here to make the process clearer, but the decision — and the responsibility — remains yours.