# Loans - webcentive

Source: https://www.webcentive.com/shoploans/shoploans.html  
Format: Markdown version of the HTML page (same content, lookups and page chrome left out).

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.  

More on webcentive: [banking](https://www.webcentive.com/shopbanking/shopbanking.html) | [creditreport](https://www.webcentive.com/shopcreditreport/) | [creditcards](https://www.webcentive.com/creditcard/) | [foreclosure](https://www.webcentive.com/foreclosure/) | [landforsale](https://www.webcentive.com/landforsale/)  

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.  

- **Official help (start here)**
- [annualcreditreport.com](https://www.annualcreditreport.com/) - AnnualCreditReport.com (free credit reports, the official site)
- [consumerfinance.gov](https://www.consumerfinance.gov/) - Consumer Financial Protection Bureau (CFPB): loans explained, your rights
- [consumerfinance.gov (auto loans)](https://www.consumerfinance.gov/consumer-tools/auto-loans/) - CFPB: auto loans
- [consumerfinance.gov (complaint)](https://www.consumerfinance.gov/complaint/) - CFPB: submit a complaint about a lender
- [consumerfinance.gov (home loans)](https://www.consumerfinance.gov/owning-a-home/) - CFPB: buying a house and comparing mortgage offers
- [csbs.org](https://www.csbs.org/) - Conference of State Bank Supervisors (find your state regulator)
- [fdic.gov](https://www.fdic.gov/) - FDIC (check that a bank is real and insured)
- [nmlsconsumeraccess.org](https://www.nmlsconsumeraccess.org/) - NMLS Consumer Access (check a lender or broker license)
- **Loan scam warnings**
- [consumer.ftc.gov](https://consumer.ftc.gov/articles/what-know-about-advance-fee-loans) - FTC: advance-fee loan scams (never pay to get a loan)
- [consumer.ftc.gov (texts)](https://consumer.ftc.gov/consumer-alerts/2026/01/can-you-spot-fake-loan-text-scam) - FTC: fake loan text scams
- [consumerfinance.gov (payday)](https://www.consumerfinance.gov/consumer-tools/payday-loans/) - CFPB: payday loans and their costs
- [uspis.gov](https://www.uspis.gov/news/scam-article/advance-fee-loan-scams) - U.S. Postal Inspection Service: advance-fee loan scams
- **Government loan programs**
- [fsa.usda.gov](https://www.fsa.usda.gov/programs-and-services/farm-loan-programs/) - USDA Farm Service Agency farm loans
- [hud.gov](https://www.hud.gov/buying/loans) - HUD: FHA and other home-buying loans
- [rd.usda.gov](https://www.rd.usda.gov/programs-services/single-family-housing-programs) - USDA Rural Development home loans (rural and small-town homes)
- [sba.gov](https://www.sba.gov/loans/) - SBA small business loans (7(a), 504, microloans)
- [studentaid.gov](https://studentaid.gov/understand-aid/types/loans) - Federal Student Aid: federal student loans (FAFSA)
- [va.gov](https://www.va.gov/housing-assistance/home-loans/) - VA home loans for veterans and service members
- **Credit unions, nonprofits and credit counseling**
- [kiva.org](https://www.kiva.org/) - Kiva (nonprofit; 0% crowdfunded small business loans)
- [mapping.ncua.gov](https://mapping.ncua.gov/) - NCUA credit union locator
- [mycreditunion.gov](https://mycreditunion.gov/) - MyCreditUnion.gov (NCUA consumer help)
- [nfcc.org](https://www.nfcc.org/) - NFCC (nonprofit credit counseling)
- **Banks and credit unions (commercial)**
- [chase.com](https://www.chase.com/personal/mortgage) - Chase home lending
- [navyfederal.org](https://www.navyfederal.org/) - Navy Federal Credit Union (military families)
- [penfed.org](https://www.penfed.org/) - PenFed Credit Union
- [usaa.com](https://www.usaa.com/) - USAA (military families)
- [wellsfargo.com](https://www.wellsfargo.com/) - Wells Fargo
- **Online lenders (commercial)**
- [bestegg.com](https://www.bestegg.com/) - Best Egg (personal loans)
- [discover.com](https://www.discover.com/personal-loans/) - Discover personal loans
- [happen.com](https://www.happen.com/) - Happen Bank (formerly LendingClub)
- [lightstream.com](https://www.lightstream.com/) - LightStream (Truist personal loans)
- [marcus.com](https://www.marcus.com/us/en) - Marcus by Goldman Sachs
- [prosper.com](https://www.prosper.com/) - Prosper (personal loans)
- [rocketmortgage.com](https://www.rocketmortgage.com/) - Rocket Mortgage (formerly Quicken Loans)
- [sofi.com](https://www.sofi.com/) - SoFi (personal, student and home loans)
- [upstart.com](https://www.upstart.com/) - Upstart (personal loans)
- **Rates and comparisons (commercial)**
- [bankrate.com](https://www.bankrate.com/loans/) - Bankrate (loan rates and calculators; paid by lenders)
- [myfico.com](https://www.myfico.com/) - myFICO (your FICO score and how lenders see it)
- [nerdwallet.com](https://www.nerdwallet.com/personal-loans) - NerdWallet personal loan comparisons (paid by lenders)

Number of links: 39  
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