Okolea Loans LLC ("Okolea," "we," "our," or "us") operates okolealoans.com and related web services as a loan matching and comparison platform. We are not a lender, loan broker, bank, or financial institution.
The information below supplements our Terms of Service and Privacy Notice. For plain-language explanations of APR, repayment terms, and credit scores, see Loan rates & terms.
Service disclaimer
Okolea is a matching and referral service. We do not issue loans or cash advances, make credit decisions, set interest rates, or determine whether you are approved. Any offer, rate, fee, or funding decision comes from a participating lending partner, not from Okolea.
Ranges we display on the Site (such as loan amounts from $100 to $5,000, repayment terms from 70 days to 36 months, and estimated APR from 4% to 35.55%) are general figures that may appear in our partner network. Your actual terms depend on the lender, your information, the product, and applicable law.
Using Okolea to explore options or contact us does not guarantee that you will receive an offer, approval, or funding. You must be at least 18 and a legal resident of the United States. Products and terms vary by state; the Service is not available in New York.
Browsing the Site and using our educational tools does not, by itself, affect your credit score. If you choose to continue with a partner, that partner may run its own credit check and will explain that in its process.
Using Okolea’s matching features on the Site is free. We do not charge you subscription, membership, or application fees for the matching service. If you take a loan, any lender fees are set by the partner and described in their documents.
How we make money
This section describes how we may earn revenue and how that may affect what you see on the Site.
Free to use on the Site
You can use okolealoans.com, our comparison content, and our educational tools without paying Okolea a fee. We do not charge subscription or membership fees for access to the matching service described on the Site.
Referral compensation
We may receive compensation from a participating provider if you click a partner link, submit information to a partner, or complete steps the partner requires (for example, an application or registration on the partner’s site). The amount and structure of that compensation can differ by provider.
How compensation may affect the Site
Commercial relationships may influence which partners we feature, how offers are ordered, or how prominently they appear. Compensation does not change a partner’s underwriting rules or the rates and fees the partner sets for you.
Informational content only
Descriptions, examples, and tools on the Site are for general information. They are not financial, legal, or tax advice, and they are not an offer of credit from Okolea.
Your choice
You are free to stop at any time and are not required to use any particular partner. If you move forward, you do so with the provider on its own terms.
Loan rates and terms disclosure
This section summarizes general ranges that partners may offer. Okolea does not set your rate, approve your loan, or set your repayment schedule.
General product ranges
Depending on the partner and your situation, products in our network may include personal loans, installment loans, and other financing options partners make available. Ranges often seen on the Site include:
- Loan amounts: about $100 to $5,000
- Estimated APR: about 4% to 35.55%
- Repayment terms: about 70 days to 36 months
- Minimum age: 18 years or older
Not every user will see every product or qualify for the lowest rate or highest amount.
Factors partners may consider
Partners may look at credit history, income, employment, existing debts, housing costs, state rules, and their own policies. We do not control those decisions.
Illustrative payment example
Hypothetical example only — not an offer from Okolea: a $2,000 loan repaid over 24 months at 19.99% APR might involve payments of about $101.91 per month and total repayment of about $2,445.84. Real offers can differ widely.
No guarantee of approval
Sending a request or message through Okolea does not mean you will be approved, funded, or shown a specific rate or amount.
Review partner documents
Before you accept a product, read the partner’s disclosures and agreement (including APR, fees, and payment schedule). Those documents govern your relationship with the lender.
State availability
Offers may be limited by state law and partner licensing. The Service is not offered in New York.
Rates on the Site
Figures on the Site are estimates or partner-published ranges for comparison. They may change, and a partner’s final offer controls.
Tools and education
Our quiz, payment illustrations, minimum-payment comparison, and amount slider use simplified math and assumptions. They help you explore ideas; they are not pre-approvals, quotes, or offers. Each tool includes a short notice on its page.
Contact
Questions about these disclosures may be sent to [email protected] or through our contact page.
Okolea Loans LLC
145 S Grape St, Denver, CO 80246-1158
United States