We do not lend money. We take your loan request and pass it to lenders and lending partners in our network, and each of them reviews it and replies.
One question, and you are through.
One short request, sent to lenders in our network, with the decision left entirely in your hands.
One request reaches multiple lenders in our network, so you are not left with a single answer.
A few details, entered once. No long forms and no paperwork to chase down before you begin.
Review what comes back and walk away at any point before you sign a lender's agreement.
You pay us nothing. Lenders and partners in our network compensate us when we refer a customer.
There are three steps. Only the first step asks anything of you.
What you need the funds for, plus your name and a way to reach you. No fee.
It goes to lenders and lending partners in our network whose loans fit the purpose you gave.
The rate, the term and the payment come from the lender after it reviews your application. You take the offer or leave it.
People ask for these more than anything. The purpose is yours.
Several balances replaced by one payment on a set schedule. The lender's terms decide whether that is better.
Repairs and renovations, funded without borrowing against your equity.
An unplanned repair, or a private-party purchase a dealer will not finance.
No. Herald Keep is a comparison and referral service. We don't lend money, we don't approve or deny applications, and we don't set rates or terms. We connect you with lenders and lending partners who do.
We can't tell you, and we won't pretend to. Rates and terms are set by the lender after they review your application, and they depend on your credit profile, your income, your state, the amount, and that lender's own criteria. Anyone quoting you a number before you apply is estimating.
Nothing. We're paid by the lenders and partners in our network when we refer a customer. That is also why we can't claim to show you every lender in the market. We work with the ones we work with.
No. Nothing is binding until you review a lender's final terms and sign their loan agreement. You can walk away at any point before that.
We share what you submit with lenders and lending partners so they can evaluate your request and contact you. We don't sell it for purposes unrelated to your inquiry. The full detail is in our Privacy Policy.
Herald Keep, and the lenders or lending partners we connect you with. You can opt out of our marketing at any time through the unsubscribe link in any email, or by emailing optout@heraldkeep.com.
Herald Keep · 2045 West Grand Avenue Ste B, PMB #23931, Chicago, Illinois 60612-1577
Herald Keep is not a lender, bank, credit union, or loan broker and does not make credit decisions or issue loans. We operate a comparison and referral service that connects consumers with third-party lenders and lending partners. We do not guarantee that you will be approved, that you will receive any particular rate, term, or loan amount, or that any lender will contact you.
We do not quote rates, terms, payments, or loan amounts. Nothing on this site is an offer of credit, a pre-approval, or a commitment to lend. All terms are determined solely by the lender after it reviews and underwrites your application, and they vary by lender, by applicant, and by state. Not all products are available in all states, and some lenders charge origination or other fees.
Applying with a lender may involve a credit inquiry, which can affect your credit score; the lender will disclose this to you. Late or missed payments may result in additional fees and can negatively affect your credit. Consolidating debt into a longer-term loan may lower a monthly payment while increasing the total amount repaid over the life of the loan.
We are compensated by lenders and partners in our network when we refer a customer. This compensation may influence which products appear and the order in which they appear. We do not represent every lender or loan product available in the market. Herald Keep does not provide financial, legal, tax, or credit-repair advice; consider speaking with a qualified professional about your situation.