Disclosures

This is educational, not a sale. CreditForward and the calculator on this site explain how auto loan approval and pricing tend to work at different credit levels. Nothing here is a loan offer, a credit decision, a quote, or a guarantee of any specific outcome.

What this actually is. CreditForward is a free educational membership: a calculator, courses, tools and a community focused on rebuilding credit, understanding auto loan approval, and getting ready for business funding. The membership itself is not a lender, not a credit repair organization, and not a law firm. Two optional services are offered separately on this site, credit repair and business funding, and each is described below.

Who stands behind it. Any auto loan, refinance or funding product you actually apply for is issued and serviced by that lender or funding provider, not by CreditForward. If you have a complaint about a loan itself, it belongs with the institution that issued it, not with this site.

How the numbers can vary. The calculator's result changes with your actual credit score, the price and term you choose, your down payment, your income and existing debt, and the specific lender's own overlays and rate sheet. Past members' results do not predict yours.

Costs and fees. CreditForward's membership, courses, tools and community are free, with no card required and no hidden fee. Any cost you pay is for the auto loan, refinance or funding product itself, or for a separate paid service you choose to use (see the next sections), and those costs are set by the lender or provider involved.

Credit repair (optional, paid). CreditForward's courses and tools are built for doing this yourself, for free. If you would rather have someone review your reports and handle disputes, you can enroll on the credit repair page. That service is provided by Perksis LLC under its own written agreement with you, which states the services, the total cost and the expected timeframe, as the Credit Repair Organizations Act requires. Nothing is charged until you have reviewed and signed it, and you have three days to cancel after signing. The statement of your consumer credit file rights is on the credit repair page. No result, score change or timeline is guaranteed, and accurate, timely negative information cannot be removed by anyone. Registration, bonding and licensing requirements for credit repair vary by state; details for your state are in your written agreement and available on request before you enroll.

Business funding (optional). The funding application asks for information about you and your business so a funding expert can review it with our funding partners. CreditForward and its funding team are a funding resource, not a bank or a lender, and submitting an application does not guarantee an offer. Availability, amounts, costs and timing depend on the product, the provider, your business and its approval, and any funding is issued under the funding provider's own terms. When you sign the certification on the application, you authorize the credit and financial-information review, the sharing with funding partners and the contact that it describes. Review any agreement, the payment requirements and the total cost before you accept funding.

What we are and what we are not. CreditForward's free membership is educational. It is not a lender, a law firm, a financial advisor, or a certified credit counselor. For a dispute that needs legal action, look for a licensed attorney. Any provider you choose, including the optional services above, has its own separate terms, costs and disclosures.

The calculator's method and its limits. The auto loan calculator estimates a monthly payment using a 60 month term, a 10% down payment, and a published rate tier keyed to the credit score range you select (below 580, 580 to 659, 660 to 719, and 720 and up). It does not pull your actual credit report, and it does not account for your income, existing debt, or a specific lender's overlays. A real quote or credit decision from an actual lender will differ, and that lender's number controls, not this estimate.

Common questions. For plain answers to the questions people ask most, including how the calculator works, what is and is not free, and how credit repair services fit in, see the frequently asked questions page.

Licensing and where we can operate. The free educational content, courses, tools and community do not require a lending, credit repair or law license, because they do not originate loans, charge a fee to repair credit, or practice law, and they are available anywhere in the United States. Credit repair is provided by Perksis LLC as described above, and any loan or funding offer you pursue still depends on which lenders operate in your state.