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Disclaimer

Last updated: 1 October 2026

This Disclaimer applies to everything on loanlowinterest.com. Please read it together with our Terms of Use and Privacy Policy.

We Are Not a Lender or an Adviser

Loan Low Interest is an information site. We do not make loans, arrange loans, take applications, approve or decline borrowers, or collect payments. We are not a bank, lending company, financing company, broker or financial adviser. A loan you take is a contract between you and the lender.

Not Financial, Legal or Tax Advice

Nothing on this site is financial, legal or tax advice, and nothing is an offer or recommendation to borrow. Our guides explain how loans, interest, fees, repayment and safety checks generally work, and the review on our home page describes what providers publish. You are responsible for deciding whether a loan is right for you. Consider speaking to a qualified professional about your own situation.

Information Changes

Rates, fees, amounts, terms, requirements, promotions, regulator lists and laws change frequently, often without notice. We check our content against official sources and the providers' own published terms, and each page shows a last updated date, but we cannot guarantee that every detail is current when you read it. The terms in your lender's disclosure statement and loan agreement are the terms that apply to you. Always confirm current details with the lender and with the relevant regulator, such as the Securities and Exchange Commission (SEC) or the Bangko Sentral ng Pilipinas (BSP).

Provider Information and the Home Page Review

• We describe what each provider publishes about itself. We do not control its products or pricing.
• Many rates depend on your profile. A published low rate may be the best case and not the rate you receive.
• The list is not a ranking by cost, and we do not claim that any provider is the cheapest, the lowest-interest or the best choice for you.
• Appearing in the list is not an endorsement, a guarantee that you will be approved, or a guarantee that a provider's terms or authorization will not change.
• Registration numbers and certificate of authority numbers shown are those the providers disclose. Confirm a company's current status on the regulator's website before you apply. Our guide explains how to verify a lending company.

Examples, Calculators and Estimates

Examples on this site use hypothetical figures and do not describe any real lender. The calculator gives estimates based on the numbers you enter and the formulas shown. Results can differ from a lender's figures because of rounding, payment dates, how fees are treated and how days are counted. Effective interest rates shown in our examples are approximate. Use the lender's disclosure statement for the figures that apply to your loan. See how to calculate your total loan repayment.

Regulations and Legal References

We summarize laws and regulations such as the Truth in Lending Act, SEC circulars on lending and financing companies, and data privacy rules to help readers understand them. Our summaries are not a substitute for the official text, may not cover every exception, and may be outdated if a rule changes. Where a rule applies only to certain loans or lenders, we try to say so. If you need to know how a rule applies to you, read the official text or consult a lawyer.

Advertising and Affiliate Links

Some links on the site may be affiliate links. If you apply through one, we may receive a commission, which does not change what you pay. Commercial relationships do not decide which providers we include or what we say about them, as described in our Editorial Policy. Where required, we disclose such relationships on the page.

External Links

We link to regulators, lenders and other sites for your convenience. We do not control them and are not responsible for their content, availability, terms or privacy practices.

Safety Content

Our safety guides describe common warning signs and the kinds of practices regulators have warned about. They do not name companies as fraudulent, and a lender showing one or more signs is not proof of wrongdoing. Equally, the absence of warning signs is not proof that a lender is safe. Verify any lender with the regulator and take care with your personal information.

Limitation of Liability

To the extent permitted by law, we are not responsible for any loss or damage resulting from your reliance on the content of this site or from your dealings with a lender or another third party. Please see our Terms of Use for details.

Borrow Carefully

Borrowing carries real costs and risks. Before you accept any loan, read the full terms, check the net proceeds, total repayment and effective interest rate, make sure you can afford each payment and confirm that the lender is authorized. If you are struggling with a loan or being harassed, read our guides on loan repayment and how to report abusive loan collection practices.

Your Responsibility as a Reader

You decide whether to borrow, from whom and on what terms. Before you do, read the lender's disclosure statement and loan agreement, compare the net proceeds, total repayment and effective interest rate with other offers, and confirm that you can afford each payment. Keep records of your agreement and payments. If something does not match what you were told, ask the lender for a written explanation and, if needed, raise it with the regulator that supervises the lender. This site cannot review your personal documents or resolve disputes with lenders.

Contact

If you think anything on the site is inaccurate or out of date, tell us at admin@loanlowinterest.com or through the contact page.