Is Compare Loan Offer (CLO) safe and legit?
Yes. Compare Loan Offer (CLO) is a free personal loan comparison service, not a lender. Every page and the application use encrypted HTTPS connections, pre-qualifying uses a soft credit pull that won't affect your score, and CLO doesn't collect, use, store or have access to your personal information. You never pay CLO.
- Encrypted and secure
- No credit impact
- No personal info to CLO
- Free, no obligation
Loan terms from 2 to 60 months. Rates vary depending on the lender, your credit and your state. Maximum APR is 35.99%.
How is my information protected?
- Every page on compareloanoffer.com loads over HTTPS, which encrypts the connection between your browser and the site.
- The CLO application, powered by Flexxbuy, also runs over an encrypted HTTPS connection.
- CLO doesn't collect, use, store or have access to your name, Social Security number, income or contact details. They go only to the application and to the lenders you consent to.
- The site tells browsers to always use HTTPS and blocks other sites from framing its pages, which helps prevent common attacks.
Will checking my rate hurt my credit?
- No. Pre-qualifying uses a soft credit pull, which doesn't affect your credit score.
- A hard inquiry happens only if you accept an offer and continue with that lender.
Who are the lenders?
- Offers come from participating lenders in CLO's partner network.
- In one real application in October 2026, offers came from nine lenders, including Upgrade, Prosper, Upstart, OneMain Financial and Achieve.
- Each lender sets its own rates and terms and must show you the APR before you sign, as federal Truth in Lending rules require.
How do I spot a loan scam?
- Legitimate lenders don't charge a fee before you get your loan. A request for an upfront fee is a warning sign.
- Never pay anyone with a gift card, wire transfer or cryptocurrency to get a loan.
- CLO doesn't have your contact details, so a call, text or email claiming to be from CLO and asking for payment or your Social Security number isn't from us.
- Start your application from a Pre-qualify button on compareloanoffer.com.
CLO's security and trust commitments
- Secure, encrypted connectionEvery page and the application load over HTTPS.
- No credit score impactPre-qualifying uses a soft credit pull only.
- CLO never sees your personal infoYour details go only to the secure application and the lenders you choose.
- Offers from established lendersUpgrade, Prosper, Upstart and OneMain returned offers in one real application.
- Free, no obligationComparing costs nothing. Accept an offer only if you want to.
- Clear terms up frontAPR, payment and term are shown before you accept, as federal law requires.
See which lenders will work with you
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Common questions
Is compareloanoffer.com legit?
Yes. Compare Loan Offer (CLO) is a free personal loan comparison service. It isn't a lender: you fill out one application, see pre-qualified offers from participating lenders, and choose one only if you want to.
Is Compare Loan Offer a lender?
No. CLO doesn't make loans or credit decisions. Loans are made by participating lenders, and each lender sets its own rates and terms.
Does CLO sell my information?
CLO doesn't have your personal information, so it has none to sell. When you apply, the application shares your details with participating lenders and partners as described in the consent you give there.
Is it safe to enter my Social Security number?
You enter it only in the secure, encrypted application, where lenders use it for a soft credit pull. CLO never sees it. Never send your Social Security number by email, text or chat.
Does it cost anything to use CLO?
No. Comparing offers is free and there's no obligation. CLO may be paid by lending partners when you're matched with a lender or take a loan.
Sources
- What to know about advance-fee loans, Federal Trade Commission
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