About Us

Who We Are

The UnitedFinances.com team is made up of experienced professionals across finance, marketing, and technology, all working toward one goal: making the loan search process simpler, faster, and less stressful.

Since 2008, our team has focused on improving how consumers connect with reputable lenders online. We continuously review lender offers, terms, and service standards. Only lenders that meet our quality and transparency criteria are included in our network. When you apply, we help identify and surface loan options that best match your needs saving you time and unnecessary hassle.

Our Priorities

Our top priorities are simplicity, transparency, and privacy.

• We respect your time by keeping the process fast and easy

• We believe loan terms should be clear and understandable

• We take data security seriously and use industry-standard protections, including SSL encryption, to safeguard your information

If you ever need clarification or support, our team is here to help.

Built for the Future of Online Lending

Technology and automation allow us to operate efficiently and at scale. Our matching platform is designed to quickly evaluate application information and connect borrowers with lenders whose products align with their profile.

By optimizing the process for speed, accuracy, and relevance, we help reduce friction while maintaining responsible lending standards.

How It Works

Our matching system reviews the information you provide and helps identify lenders that may be a good fit based on your financial profile and stated needs.

Borrowers with stronger credit profiles may receive faster decisions, while others may be asked for additional information by the lender. In most cases, the process is completed online with minimal paperwork.

Please note: individual lenders may conduct their own review or credit checks as part of the approval process.

Our Commitment

Our mission is to build one of the most reliable marketplaces for personal loan products.

We aim to:

• Reduce the effort required to compare loan options

• Help borrowers understand their choices

• Support smarter financial decisions

By handling the heavy lifting behind the scenes, we help you focus on what matters most resolving your financial needs with confidence.

The Idea Behind UnitedFinances.com

UnitedFinances.com was founded in 2008 by Tom Gorski with a simple vision: to give borrowers a safer, more transparent place to explore personal loan options online.

As the team grew, so did our shared commitment to building a platform that removes unnecessary complexity while expanding access to reliable lenders. From the start, we focused on simplifying the process and working only with lenders that operate fairly and transparently.

Our Role in the Process

UnitedFinances.com is not a lender.

We act as a connection point between borrowers and lenders in our network. Our role is to:

• Match you with potential lenders

• Help you compare available offers

• Reduce the stress of dealing with banks or multiple applications

You can use our service at any time, and there is no obligation to accept an offer.

Here’s How It Works

1. Complete a short online application

Provide basic information about yourself and your loan needs. The application takes only a few minutes and is submitted securely.

2. Review available lender offers

If matched, you may be redirected to a lender’s website to review loan terms, fees, and conditions. All lenders we work with are required to comply with applicable laws, including the Truth in Lending Act (TILA).

You are never required to accept an offer.

3. Accept terms and receive funds

If you choose to proceed and sign the lender’s agreement, funds are typically deposited into your bank account as quickly as the same day or by the next business day, depending on the lender and your bank.

Rates & Fees

Because we are not a lender, we do not set interest rates or fees. Loan terms are determined solely by the lender you choose to work with.

We encourage all borrowers to carefully review:

• Interest rates

• Fees

• Repayment schedules

before accepting any loan offer.

Repayment & Late Payments

It’s important to repay your loan according to the lender’s schedule. Missing a payment may result in additional fees or charges, depending on the lender and state regulations.

Late fees and extensions

Late-payment rules vary by state. Some lenders may offer extensions or renewals (sometimes called rollovers), while others may not. If you anticipate difficulty repaying on time, contact your lender as early as possible to discuss your options.

Always review updated terms carefully before agreeing to any changes.

Is the Application Free?

Yes.
Applying through UnitedFinances.com is 100% free and does not obligate you to accept a loan offer.

Over the years, we’ve built a network of reputable lenders to help you explore your options whenever you need them without added cost or pressure.