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Mortgages, student loans, small business loans, auto loans and personal loans. Start with the free official help: the CFPB explains every kind of loan and takes complaints, and federal programs (Federal Student Aid, SBA, FHA through HUD, VA and USDA home loans) often beat private offers. Warning signs of a scam: a lender who guarantees approval no matter your credit, or asks for a fee before you get the money. Payday loans can carry yearly rates near 400%, so compare a credit union loan first. Check that any lender or broker is licensed in your state through NMLS Consumer Access. Every bank and lender below is commercial.

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Each site has quick lookups: who owns it (whois), its history (Wayback Machine), a safety check, and one-tap questions to AI helpers. Grok asks you to tap Send first.
Links last checked Oct 12, 2026.

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Official help (start here)
annualcreditreport.com - AnnualCreditReport.com (free credit reports, the official site) whois history safety search AI Mode Grok Bing AI
consumerfinance.gov - Consumer Financial Protection Bureau (CFPB): loans explained, your rights whois history safety search AI Mode Grok Bing AI
consumerfinance.gov (auto loans) - CFPB: auto loans whois history safety search AI Mode Grok Bing AI
consumerfinance.gov (complaint) - CFPB: submit a complaint about a lender whois history safety search AI Mode Grok Bing AI
consumerfinance.gov (home loans) - CFPB: buying a house and comparing mortgage offers whois history safety search AI Mode Grok Bing AI
csbs.org - Conference of State Bank Supervisors (find your state regulator) whois history safety search AI Mode Grok Bing AI
fdic.gov - FDIC (check that a bank is real and insured) whois history safety search AI Mode Grok Bing AI
nmlsconsumeraccess.org - NMLS Consumer Access (check a lender or broker license) whois history safety search AI Mode Grok Bing AI
Loan scam warnings
consumer.ftc.gov - FTC: advance-fee loan scams (never pay to get a loan) whois history safety search AI Mode Grok Bing AI
consumer.ftc.gov (texts) - FTC: fake loan text scams whois history safety search AI Mode Grok Bing AI
consumerfinance.gov (payday) - CFPB: payday loans and their costs whois history safety search AI Mode Grok Bing AI
uspis.gov - U.S. Postal Inspection Service: advance-fee loan scams whois history safety search AI Mode Grok Bing AI
Government loan programs
fsa.usda.gov - USDA Farm Service Agency farm loans whois history safety search AI Mode Grok Bing AI
hud.gov - HUD: FHA and other home-buying loans whois history safety search AI Mode Grok Bing AI
rd.usda.gov - USDA Rural Development home loans (rural and small-town homes) whois history safety search AI Mode Grok Bing AI
sba.gov - SBA small business loans (7(a), 504, microloans) whois history safety search AI Mode Grok Bing AI
studentaid.gov - Federal Student Aid: federal student loans (FAFSA) whois history safety search AI Mode Grok Bing AI
va.gov - VA home loans for veterans and service members whois history safety search AI Mode Grok Bing AI
Credit unions, nonprofits and credit counseling
kiva.org - Kiva (nonprofit; 0% crowdfunded small business loans) whois history safety search AI Mode Grok Bing AI
mapping.ncua.gov - NCUA credit union locator whois history safety search AI Mode Grok Bing AI
mycreditunion.gov - MyCreditUnion.gov (NCUA consumer help) whois history safety search AI Mode Grok Bing AI
nfcc.org - NFCC (nonprofit credit counseling) whois history safety search AI Mode Grok Bing AI
Banks and credit unions (commercial)
chase.com - Chase home lending whois history safety search AI Mode Grok Bing AI
navyfederal.org - Navy Federal Credit Union (military families) whois history safety search AI Mode Grok Bing AI
penfed.org - PenFed Credit Union whois history safety search AI Mode Grok Bing AI
usaa.com - USAA (military families) whois history safety search AI Mode Grok Bing AI
wellsfargo.com - Wells Fargo whois history safety search AI Mode Grok Bing AI
Online lenders (commercial)
bestegg.com - Best Egg (personal loans) whois history safety search AI Mode Grok Bing AI
discover.com - Discover personal loans whois history safety search AI Mode Grok Bing AI
happen.com - Happen Bank (formerly LendingClub) whois history safety search AI Mode Grok Bing AI
lightstream.com - LightStream (Truist personal loans) whois history safety search AI Mode Grok Bing AI
marcus.com - Marcus by Goldman Sachs whois history safety search AI Mode Grok Bing AI
prosper.com - Prosper (personal loans) whois history safety search AI Mode Grok Bing AI
rocketmortgage.com - Rocket Mortgage (formerly Quicken Loans) whois history safety search AI Mode Grok Bing AI
sofi.com - SoFi (personal, student and home loans) whois history safety search AI Mode Grok Bing AI
upstart.com - Upstart (personal loans) whois history safety search AI Mode Grok Bing AI
Rates and comparisons (commercial)
bankrate.com - Bankrate (loan rates and calculators; paid by lenders) whois history safety search AI Mode Grok Bing AI
myfico.com - myFICO (your FICO score and how lenders see it) whois history safety search AI Mode Grok Bing AI
nerdwallet.com - NerdWallet personal loan comparisons (paid by lenders) whois history safety search AI Mode Grok Bing AI


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