Disclaimer & Responsible Lending

Last updated · 2026

Not a lender

Paymiru is not a lender, loan broker, or financial institution and does not make credit decisions. We are a comparison and matching service that connects consumers with third-party lenders and lending partners. Not everyone who applies will qualify or be matched.

APR and terms

Representative APR ranges from 5.99% to 35.99%. The actual APR, loan amount, fees, and repayment term are set by the lender and depend on your creditworthiness, state of residence, and the lender’s policies. Review the lender’s offer and agreement carefully before accepting.

Representative example

A $1,000 loan repaid over 12 months at 24.9% APR would have 12 monthly payments of about $94.56 and a total amount repayable of $1,134.72. This is an illustration only and not an offer.

Borrow responsibly

Short-term and installment credit should be used for short-term financial needs, not as a long-term solution. Late or missed payments may result in additional fees and can affect your credit. Only borrow what you can afford to repay. If you are experiencing financial difficulty, consider speaking with a nonprofit credit counselor.

Availability

Products and lenders are not available in all states or countries, and terms vary by location.

This document is a template for demonstration and must be replaced with a lawyer-reviewed version for your business and jurisdiction before public release.