Affiliate Disclosure

How we may be compensated by partner lenders — and why it doesn't change what you pay.

Last updated: May 1, 2026

This Affiliate Disclosure explains the financial relationship between THE REI LOAN DOC LLC ("REI LoanDoc," "we," "us," or "our") and the third-party lenders and service providers featured on thereiloandoc.com and in our mobile applications. It is provided in accordance with the Federal Trade Commission's Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 C.F.R. Part 255) and applicable consumer protection law.

This Affiliate Disclosure is separate from, and should be read alongside, our Advertiser Disclosure. The Advertiser Disclosure addresses how partner products are presented and ranked; this Affiliate Disclosure focuses specifically on the compensation we may receive when you act on a link or referral.

What is an affiliate relationship?

An affiliate (or referral) relationship is a contract under which REI LoanDoc may receive compensation from a partner lender or service provider when a visitor we refer takes a specific action — typically submitting an application, opening an account, or accepting a loan offer.

The compensation may be paid as:

  • A flat fee per qualified referral
  • A percentage of the loan amount
  • A revenue share over the life of the loan
  • A combination of the above

The amount, structure, and timing vary by partner. The compensation arrangement is established by contract before any user is referred and is reviewed periodically.

What this means for you

  • It costs you nothing. Compensation is paid by the partner lender from its marketing budget. It does not change the APR, fees, terms, or any other cost you incur with that lender. You receive the same offer you would receive going directly to the lender.
  • It does not change your match order. As stated in Our Promise, match order on our results page is determined by profile fit (whether the lender's published eligibility criteria align with your application), not by compensation. A lender that pays us more does not appear higher.
  • It does not affect approval. REI LoanDoc does not make credit decisions. Each lender independently underwrites and approves applications using its own criteria. We have no control over whether you are approved or what APR you receive.
  • It is disclosed. This page, our Advertiser Disclosure, and the footer of every page where partner products appear note the existence of compensation relationships.

Where compensation applies

We may receive compensation when:

  • You submit a matching form on REI LoanDoc and are routed to a partner lender's application page
  • You complete an application with a partner lender after being matched through REI LoanDoc
  • You accept and fund a loan offer from a partner lender
  • You click on a tracked link to a partner's product page from our content (blog posts, comparison tables, lender review pages)

We do not receive compensation:

  • When you simply visit our website
  • When you use our calculators or read our guides without continuing to a partner
  • For your decision to choose one lender over another within your match results

Editorial independence

The content of our guides, blog posts, comparison tables, and lender reviews is determined by our editorial team. Partner lenders do not review, approve, or edit our content before publication. We may describe a partner lender's drawbacks (high origination fees, restricted state availability, top-of-range APR) in the same article that links to that lender.

If we materially update an article in response to feedback from a partner lender, we note the update with a "Last updated" date and, where the change is significant, a brief revision note.

Endorsements and testimonials

Where customer testimonials, reviews, or endorsements appear on our site:

  • They reflect the views of the individual at the time of writing.
  • We do not pay customers to provide testimonials.
  • Where any testimonial was provided in exchange for any consideration (including a gift card, sweepstakes entry, or product discount), that fact is disclosed alongside the testimonial.
  • Individual results are not typical. APR, approval, and funding outcomes depend on your individual circumstances.

Trademarks and logos

Lender names, logos, and trademarks displayed on REI LoanDoc are the property of their respective owners. They are used to identify the lender and the product being described. Their use does not imply endorsement of REI LoanDoc by the trademark owner, except where an active partnership exists and is disclosed.

Your right to know

You can ask at any time whether REI LoanDoc has a compensation relationship with a specific lender or product mentioned on our site. Email [email protected] with the lender or product name in the subject line. We will respond within 5 business days.

Changes to this disclosure

We may update this Affiliate Disclosure from time to time as our partner relationships change. The current version is always available at thereiloandoc.com/affiliate-disclosure/. The "Last updated" date at the top of this page reflects the most recent revision.

Contact

THE REI LOAN DOC LLC
284 Pinestraw Cir, Altamonte Springs, FL 32714
[email protected]

For related disclosures, see also: