This website is owned and operated by Monevo Inc

Monevo Inc (“we, “us” or “Monevo”) is a Delaware corporation with its registered address located at 169 Saxony Rd STE 212, Encinitas, CA 92024 United States. 

Monevo is an award-winning loan comparison service that helps consumers search and find personalized available rates on loans from major online lenders and banks without impacting their credit score.

Monevo is not a lender or party to any loan or other transaction, does not broker loans to lending partners, and does not make loans or credit decisions. This website will submit the information you provide to lending partners in our database depending on the information provided, who will first use a soft credit check(s) to assess your eligibility for a loan. 

Monevo is completely free to use, we will never charge you a fee for our service. Instead, Monevo may receive a fee or commission for introductions to its partners. Monevo cannot guarantee that all lenders or all types of loan offers in the marketplace will be available at the time you are using our service. The underwriting criteria necessary for approval is determined by the lenders (not Monevo) and it is imperative that you review each lender’s terms and conditions before proceeding with an application for a loan.

The amount of any loan offer, if one is made, will vary depending on the lending partner, your creditworthiness, and your state’s laws. There is no guarantee you will be presented with any personalized loan offers, or that upon presentation of any personalized loan offers you will qualify for the rates, fees, or terms shown on this site. Monevo cannot guarantee that all lenders or all types of loan offers in the marketplace will be available at the time you are using our service. 

Certain states may require us to be licensed or registered in order to provide our services in that state. Below is a list of the state licenses held by Monevo:

California

Monevo Inc is licensed by the California Department of Financial Protection and Innovation under the California Financing Law, license number 60DBO-71792.

Missouri

Missouri Credit Service Organizations, License number CR239205

Monevo provides a services that enables consumers to search for available credit products from our panel of lending partners and service providers. Monevo is not a lender, does not make loans, underwrite loans, service loans, take applications, act as an agent or advisor to consumers, issue loan approvals or loan commitments on behalf of lending partners & credit providers. We provide lenders and/or service providers with information about prospective borrowers, as described in our Privacy Policy. We do not charge consumers for the service we provide. Rather, we receive a fee or commission for introductions to our lending partners & providers. Lenders or service providers may charge you fees for their products and services

You have a right to review any file maintained on you by a consumer reporting agency, as provided by the Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.)

Your file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of the receipt of notice that credit has been denied, and your file is available for a minimal reporting charge at any other time.

You have a right to dispute directly with your consumer reporting agency the completeness of accuracy of any item contained in a file on you maintained by that consumer reporting agency.

Accurate information cannot be permanently removed from the files of a consumer reporting agency.

No consumer reporting agency may make any consumer report containing any adverse item of information dating from more than seven (7) years before the report.

Non-profit organizations which provide credit and debt counseling services are available.

By agreeing to Monevo Inc’s Terms of Service, you hereby acknowledge that you have received a copy of this statement for your own records and understand that an exact copy of this statement will be maintained on file by this credit services organization for a period of two (2) years after this date.

New Hampshire

Monevo Inc holds a New Hampshire Small Loan Lender License by the New Hampshire Banking Department. License number 24813-SM.

North Dakota

Monevo Inc is licensed by the North Dakota Department of Financial Institutions as a North Dakota Money Broker License. License number MB104055.

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER'S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS. 

Oklahoma 

Oklahoma Credit Service Organization No. CSO00562

As required by Oklahoma law, Monevo Inc. has secured a bond by Hartford Fire Insurance Company, 200 Colonial Center Parkway, 4th Floor, Lake Mary, FL 32746, a surety authorized to do business in Oklahoma.

Oregon

Oregon Consumer Finance License number 2237941   

Pennsylvania

Monevo Inc is licensed by the Pennsylvania Department of Banking and Securities as a Credit Services Loan Broker, license number 96415. 

By using the Monevo services, you provide your acknowledgment, in equal force and effect as your personally signed signature, of your receipt of this information and the following disclosures below:

You have the right to review and receive a copy of any file on you maintained by any consumer credit reporting agency to be furnished by that consumer credit reporting agency. The nationwide consumer credit reporting agencies, such as Equifax, Experian, and TransUnion, are required to provide you with a free copy of your credit report, at your request, once every 12 months. If you have already obtained your free annual copies, then a copy of the file should cost you not more than $13.50.

Information in a consumer's credit file will be provided free of charge by the consumer credit reporting agency to the consumer by telephone after written request within 30 days of the consumer's receiving a denial of credit notice. You have the right to dispute the completeness or accuracy of any item contained in any file on you maintained by a consumer credit reporting agency.

Monevo provides a service which helps consumers find available credit products and services from major online lenders, banks and/or other service providers. Monevo is not a lender or party to any loan or other transaction and does not make loans or credit decisions. Any loan or related transaction to which you become a party through our services is solely between you and the applicable lender and/or service provider and is not a part of our services. Monevo also provides our partners, lenders, and/or service providers with information about prospective borrowers, as detailed in our Privacy Policy.

Monevo does not charge consumers for our service. Lenders or service providers may charge fees for their products and services. Monevo may receive a fee or commission for introductions to its partners, including lenders and service providers.

Tennessee

Monevo Inc is licensed as a Tennessee Industrial Loan and Thrift Company, license number 2237941.

Texas

Monevo Inc is licensed as a Regulated Lender by the Texas Office of Consumer Credit Commissioner, license number 166907. 

West Virginia

West Virginia Credit Services Registration, registration number 573929.

Monevo provides a services that enables consumers to search for available credit products from our panel of lending partners and service providers. Monevo is not a lender, does not make loans, underwrite loans, service loans, take applications, act as an agent or advisor to consumers, issue loan approvals or loan commitments on behalf of lending partners & credit providers. We provide lenders and/or service providers with information about prospective borrowers, as described in our Privacy Policy. We do not charge consumers for the service we provide. Rather, we receive a fee or commission for introductions to our lending partners & providers. Lenders or service providers may charge you fees for their products and services

You have a right to review any file maintained on you by a consumer reporting agency, as provided by the Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.)

Your file is available for review at no charge on request made to the consumer reporting agency within thirty days after the date of the receipt of notice that credit has been denied, and your file is available for a minimal reporting charge at any other time.

You have a right to dispute directly with your consumer reporting agency the completeness of accuracy of any item contained in a file on you maintained by that consumer reporting agency.

ACCURATE INFORMATION CANNOT BE PERMANENTLY REMOVED FROM THE FILES OF A CONSUMER REPORTING AGENCY.

No consumer reporting agency may make any consumer report containing any adverse item of information dating from more than seven (7) years before the report.

Non-profit organizations which provide credit and debt counseling services are available. The WV Association of Consumer Credit Counseling Services (call 1-800-869-7758) or the National Foundation for Consumer Credit (call 1-800-388-2227) will connect you to a local organization, or check your yellow pages under “Credit Counseling Services” to find a non-profit service.

By agreeing to Monevo Inc’s Terms of Service, you hereby acknowledge that you have received a copy of this statement for your own records and understand that an exact copy of this statement will be maintained on file by this credit services organization for a period of two (2) years after this date.

Wisconsin

Monevo Inc is registered under the Wisconsin Consumer Act, registration number 53419.