Advertising & Affiliate Disclosure

Last updated: July 7, 2026

Important: SpecialFinance.ai may receive compensation from the companies featured on this site. This compensation may impact how and where products appear, including the order in which they appear. SpecialFinance.ai does not include all companies or all available products.

How We Make Money

SpecialFinance.ai earns referral fees and commissions from our partners when users are matched with a provider, click through to a partner’s website, submit an application, or are approved for a product. This is how we keep our service running.

This is at zero cost to you. We never charge users a fee of any kind — no upfront costs, no hidden charges, no subscription fees. Our service is and always will be free for consumers.

How This Affects You

We believe in being straightforward: the compensation we receive from our partners may influence which partners we feature on our site and the order in which they appear. Partners who compensate us may be featured more prominently than those who do not.

That said, we strive to show you the most relevant options based on your specific situation — including your credit range, income, and the type of financing you’re looking for. Our goal is to help you find real options, not just the ones that pay us the most.

SpecialFinance.ai is not a lender. We do not make lending decisions, set interest rates, determine loan amounts, or approve or deny applications. All lending decisions are made by our partners according to their own criteria.

Our Partners

We work with a range of financial service providers, including:

Auto lenders and dealership financing networks
Mortgage companies and home loan providers
Credit card issuers
Personal loan providers
Credit repair and credit-building services
Other financial service providers

Each partner has its own terms, rates, eligibility requirements, and approval criteria. We encourage you to carefully review all terms and conditions before applying for or accepting any financial product. Any offer you receive comes directly from the partner — not from SpecialFinance.ai.

Editorial Independence

Our matching process considers the information you provide — including your credit range, income, and financing needs — to recommend options that are relevant to your situation. We use this information to help surface partners that are more likely to work with your profile.

We aim to be helpful, not misleading. While compensation plays a role in our business, we are committed to providing a service that genuinely helps consumers find financing options — especially those who have been turned down elsewhere.

We do not guarantee approval, specific rates, or loan terms. Results vary based on your individual financial profile and the partner’s own underwriting criteria.

Questions?

If you have any questions about this disclosure, how we earn money, or how our matching service works, please don’t hesitate to reach out.