The Openbook Standard
The rules we work by, in writing
If an offer can't meet these, we don't present it. If we fall short, tell us and we'll put it right.
Our commitments
On every offer
What you'll see before you choose
The same 7 lines on every offer, whatever the product, so you can put them side by side.
- Amount you receive after any fees taken from the funding
- Total payback, every dollar you'll repay
- Cost in dollars and cents per dollar
- Payment: amount, frequency and number of payments
- Term, expected or fixed
- Estimated APR, using the method in our disclosures
- Prepayment terms: whether paying early saves money, in dollars
Plainly
What the standard can't promise
We can't promise you'll be approved, or at what price. Funders make those decisions based on your file. We can't make a funder change its contract, but we can decline to present an offer that doesn't meet the standard, and we'll tell you why.
If you think we've fallen short, tell us. We'll reply in writing.
One application, many funders
Know the cost. Then decide
Tell us what you need in about 3 minutes. We compare funders that fit and show every offer with its total payback, dollar cost, payment and estimated APR.
- About 3 minutes. No SSN and no bank login to start, so checking doesn't affect your credit.
- 4 months of bank statements. A specialist contacts you within 1 business day and asks for them through a secure link.
- You approve every funder before your file goes out. No cost to apply, and no obligation to accept.