Ad Disclosure
Last updated: October 2026
1. Advertising Disclosure
This advertising disclosure ("Ad Disclosure") is provided to comply with applicable advertising laws and regulations, including Google Ads financial products and services policies. Please read this disclosure carefully before using the First Light Lending website at firstlightenlending.com.
2. Nature of Our Service
First Light Lending is a referral service, not a lender. We are a connecting service that connects consumers who submit requests on our website with lenders and lending partners in our network. We do not:
- Make credit decisions
- Issue loans or lend money
- Guarantee loan approval, any loan amount, or any term
- Charge any fee for submitting a request
3. APR Range
APR range: 5.99% - 35.99%. The Annual Percentage Rate (APR) for loans obtained through our connecting service ranges from 5.99% to 35.99%. Your actual APR depends on your qualifications and the specific lender that may connect with you. Not all consumers will qualify for the lowest rate.
4. Loan Amounts
Request amounts range from $500 to $5,000. Not all lenders can provide the maximum amount, and not all consumers will qualify for any loan. The actual amount you may qualify for depends on the lender's assessment of your qualifications.
5. No Guarantee
We do not guarantee that you will be connected with a lender, that you will receive a loan offer, or that any offer will be for the amount or terms you requested. Submitting a request does not obligate you to accept any offer.
6. Representative APR Examples
For representative examples of loan terms including APR, monthly payment, total interest, and total repayment, please visit our APR Examples table on the home page. These are illustrative examples only. Actual rates and terms will vary.
7. Availability
This service is not available in all states. The states this website services may change from time to time and without notice. Residents of some states may not be eligible for some or all short-term, small-dollar loans.
8. Credit Checks
Lenders in our network may perform credit checks as part of their evaluation process. This may include soft inquiries (which do not affect your credit score) or hard inquiries (which may affect your credit score). By submitting a request, you authorize such credit checks. See our Credit Authorization page for details.
9. Funding Time
If connected with a lender and your loan is approved, funds may be deposited as quickly as the next business day. Cash transfer times vary by lender and may depend on your financial institution's processing times.
10. Fees
First Light Lending does not charge any fee for submitting a request or using our connecting service. If you accept a loan offer, the lender may charge fees as disclosed in your loan agreement. Review all loan terms and fees carefully before accepting.
11. Renewal Policy
Loan renewal policies vary by lender. Some lenders may offer loan renewals or extensions, which may involve additional fees and interest. Renewals are not automatic. Review your lender's renewal policy in your loan agreement.
12. Responsible Borrowing
We encourage responsible borrowing. A loan is a financial obligation and should be repaid according to the terms of your loan agreement. Failure to repay may result in additional fees, collection activities, and negative impacts to your credit score. Before accepting a loan, ensure you can afford the repayment terms.
13. Contact Us
For questions about our advertising or services, please contact us:
- Email: support@firstlightenlending.com
- Phone: (800) 552-5189
- Address: 100 Congress Ave, Suite 2200, Austin, TX 78701
First Light Lending is a referral service, not a lender. APR range: 5.99% - 35.99%. For questions about this policy, contact us at support@firstlightenlending.com or (800) 552-5189.