Referrals to lenders, quietly done

Only Borrow What Actually Makes Sense

The form asks one question and costs you nothing. We pass your request on to the lenders in our network, and whichever lender reviews your application sets the terms.

A single questionFree to useNothing signed here

Which of these best describes what the funds are for?

An approximate answer is quite sufficient.

Why start here

One request, a network working for you

Fill out a single short form and let the lenders in our network compete for your business, without the runaround of applying to each one yourself.

Your information, handled with care

We only pass your details to lenders and partners equipped to review your request, and we tell you plainly who that is.

Built to move quickly

The form takes a minute. From there you go straight to a partner's page to continue, with nothing to reenter twice.

A network, not a single desk

Because we work with many lenders and partners, one short request can reach options you would have to hunt down one by one.

How it works

What is asked, and what is not

There are three steps. Only the first takes place on this site.

Begin with the purpose

Select the closest option. Nothing further is asked of you on this page.

We refer you onward

Lenders and lending partners in our network receive the request and consider it in their own time.

The decision remains yours

Whatever a lender proposes belongs to that lender. You are obliged to accept none of it.

Request on its way

What it's for

The usual reasons

The purpose is entirely yours to decide. The list below is simply the common ground.

A single payment

One loan in place of several balances, with a payment and a closing date that are known in advance.

Improving the house

Repair and renovation work, funded without a second charge on your home.

Motoring costs

An unexpected repair bill, or a vehicle bought from a private seller.

Family expenses

A wedding, a move, dental work, or a purchase you would rather settle over a set term.

Questions

Points of clarification

Is Juniper Sum a lender?

No. Juniper Sum is a comparison and referral service. We don't lend money, we don't approve or deny applications, and we don't set rates or terms. We connect you with lenders and lending partners who do.

What rate will I get?

We can't tell you, and we won't pretend to. Rates and terms are set by the lender after they review your application, and they depend on your credit profile, your income, your state, the amount, and that lender's own criteria. Anyone quoting you a number before you apply is estimating.

What does it cost to use?

Nothing. We're paid by the lenders and partners in our network when we refer a customer. That's also why we can't claim to show you every lender in the market, we work with the ones we work with.

Am I obligated to take anything?

No. Nothing is binding until you review a lender's final terms and sign their loan agreement. You can walk away at any point before that.

What happens to my information?

We share what you submit with lenders and lending partners so they can evaluate your request and contact you. We don't sell it for purposes unrelated to your inquiry. The full detail is in our Privacy Policy.

Important disclosures

Juniper Sum · 848 N Rainbow Blvd, Unit #8096, Las Vegas, NV 89107

Juniper Sum is not a lender, bank, credit union, or loan broker and does not make credit decisions or issue loans. We operate a comparison and referral service that connects consumers with third-party lenders and lending partners. We do not guarantee that you will be approved, that you will receive any particular rate, term, or loan amount, or that any lender will contact you.

We do not quote rates, terms, payments, or loan amounts. Nothing on this site is an offer of credit, a pre-approval, or a commitment to lend. All terms are determined solely by the lender after it reviews and underwrites your application, and they vary by lender, by applicant, and by state. Not all products are available in all states, and some lenders charge origination or other fees.

Applying with a lender may involve a credit inquiry, which can affect your credit score; the lender will disclose this to you. Late or missed payments may result in additional fees and can negatively affect your credit. Consolidating debt into a longer-term loan may lower a monthly payment while increasing the total amount repaid over the life of the loan.

We are compensated by lenders and partners in our network when we refer a customer. This compensation may influence which products appear and the order in which they appear. We do not represent every lender or loan product available in the market. Juniper Sum does not provide financial, legal, tax, or credit-repair advice; consider speaking with a qualified professional about your situation.