Money Beacons
Home How it works FAQ Your Privacy Rights Terms Contact Us
Get Started

Consent to Electronic Communications

To apply for a loan from one of our affiliate lenders, you agree to receive all information and disclosures regarding your loan electronically. By submitting a form on our site, you agree that:

  • Any information provided to you in connection with your loan transaction, including, but not limited to, your loan agreement and legally required notices, disclosures and information, will be provided by electronic communication.
  • You may contact us by writing at Money Beacons, 500 Market Street, Suite 400, San Francisco, CA 94105 or phone at (800) 555-0142 to: (i) obtain a paper copy of any communication at no charge; (ii) withdraw your Consent to receive information electronically; or (iii) change the e-mail address for receiving electronic communications. There are no conditions, consequences, or fees associated with withdrawing your consent.
  • To receive electronic communications in connection with this transaction, you will need a working connection to the Internet. Your browser must support the Secure Sockets Layer (SSL) protection, which provides a secure Internet connection. Netscape 4.7 and above and Microsoft Internet Explorer 5.0 and above support this feature. You will also need either a printer connected to your computer to print electronic communications or sufficient hard drive space available to save the information (e.g., 1 megabyte or more).
Money Beacons
How it Works FAQ Your Privacy Rights Terms Ad Disclosure Contact Us Do Not Sell or Share My Personal Info

Material Disclosure

Money Beacons Is Not a Lender. Money Beacons is an advertising and referral service, not a lender or loan broker. We do not make loans, set rates, or make credit decisions. We connect consumers with independent third-party lenders who may extend an offer. All loan terms, including the Annual Percentage Rate (APR), are set solely by the lender and disclosed to you before you accept any offer.

APR & Repayment Ranges. APR reflects the yearly cost of borrowing, including interest and certain finance charges, and lets you compare offers. Based on lenders currently in our network, APRs generally range from approximately 5.99% to 35.99%, though your rate may be higher or lower depending on the lender, product, and your qualifications. Repayment terms commonly range from about 61 days to 72 months. Your exact APR, schedule, and total cost are disclosed by the lender before you sign.

Illustrative Examples (For Comparison Only). The figures below explain how amount, APR, and term affect payments. They are examples only, are not guarantees, and do not represent an actual offer.

Loan Amount
Estimated Term
Example APR
Estimated Monthly Payment
Estimated Total Repayment
$2,000
24 months
~14.99%
~$97
~$2,328
$5,000
36 months
~12.50%
~$167
~$6,012
$10,000
48 months
~9.99%
~$253
~$12,144

Funding Times. If a lender approves your request, funds may be deposited as soon as the next business day. Actual timing depends on the lender and your financial institution.

Late or Missed Payments. Fees and consequences for late, partial, or missed payments are set by your lender and described in your loan agreement. Money Beacons does not service loans or collect payments. Review your lender's terms carefully before accepting any offer.

Credit Impact. Lenders may verify your information and, where permitted, review your credit. Late or missed payments may be reported to credit bureaus and could affect your credit. Practices vary by lender.

Availability. Loan availability, amounts, rates, and terms depend on your profile, lender criteria, and applicable federal and state law. Not all lenders operate in all states, and not everyone will qualify. Short-term and small-dollar loans are not a long-term financial solution and should be used responsibly.

© 2026 Money Beacons. All rights reserved.