Credit Authorization Agreement​


If you are struggling financially, please seek credit counseling or talk to your financial advisor.

ThinkWallet is not a lender, does not make credit decisions, does not take loan applications, or originate, service, underwrite, fund, or collect payments for loans. Most services offered by ThinkWallet (generally known as lead generation) are free to you as a consumer, although certain services, such as credit monitoring services, may be offered for a monthly fee. When you submit your information to ThinkWallet (which, by the way, is NOT an application for credit), ThinkWallet’s network of approved lenders and other financial service providers (depending on the products or services you’re looking for) will review that information to decide whether to make you a conditional loan offer, a firm offer of credit, or invite you to apply for one or more of their products or services. Lenders may require you to complete an application before they extend an unconditional offer or firm offer of credit. ThinkWallet does not endorse or recommend any particular credit products or any particular lenders or other financial service providers. It is up to you to carefully review the terms of any loan, credit card, insurance or other offer to make sure it fits your personal financial needs.

Links to offers and advertisements may take you away from to third party websites that are independently operated or controlled. ThinkWallet is not responsible for offers made by lenders or other financial service providers, or for the content or functionality of third party websites.

By using ThinkWallet to connect with lenders or other financial service providers, you authorize ThinkWallet, and its network of lenders and other financial service providers, to perform a credit check for identity verification, to assess your creditworthiness, and for ThinkWallet to share your credit history with financial service providers that may be able to offer you relevant financial products or services. You also agree to the use of electronic disclosures, notices and other information, as well as the use of electronic signatures. Please see the E-Consent disclosure, which is an important part of our Terms of Service, for more information. If you do not agree to ThinkWallet’s Credit Authorization, E-Consent, or Terms of Service, please refrain from using this website.

Lenders in ThinkWallet’s network offer loans with an annual percentage rate (APR) of less than 36%. Rates and other terms vary between lenders. Loans are subject to lenders’ approval. You should receive disclosures directly from lenders about the APR and cost of credit for any loan offered to you, as required by the federal Truth-in-Lending Act (TILA); this can help you compare the cost of credit between multiple loan offers.