Getting a loan has never been easier
Birch Lending was built to be your quick and convenient solution for borrowing money — no matter the situation. By submitting your details through our encrypted online form, we’ll match you with a loan offer that suits your needs. Thanks to our strong relationships with trusted, licensed lenders, we’re able to offer this no-cost service in nearly every U.S. state — all from the comfort and privacy of your home.
Our quick and secure online form takes just a couple of minutes to finish. it’s simple and hassle-free.
We welcome all credit profiles. Whether you have poor credit, great credit, or no credit at all.
Once approved, money can be sent straight to your bank account as soon as the next business day.
At Birch Lending, we're here to make borrowing simple. Just complete our secure online form, and we’ll connect you with trusted lenders ready to help — no matter your financial situation. Thanks to our wide network of authorized lending partners, we’re able to offer this convenient and completely free service across most of the U.S., all from the comfort of your own home.
We are here to answer your questions
When getting a loan you may have some simply questions about the process or regarding requirement. We have placed some of the most frequently asked questions you may have to make the loan process easier for you.
Our Terms and Conditions
This page contains important information concerning our terms and conditions of your usage of the connecting platform birchlendingapply.com. We encourage you to read it carefully and revisit this section once in a while because we have the right to modify and update the present Terms as we see fit. We also recommend that you read other sections of our website, such as the Privacy Policy. Please bear in mind that as soon as you start using birchlendingapply.com, you admit that you agree to our Terms and Privacy Policy and ready to abide by them. If you disagree with these Terms of Use, do not access our website in the first place.
We at birchlendingapply.com do our best to protect you against unfair lending practices. In order to achieve this goal as effectively as possible, we resort to the following actions:
• We supply you with significant information about the current state of loan industry, details concerning responsible lending and the consequences of non-payments or missed payments;
• We cover these issues in a clear way so you can easily understand important details;
• We treat every customer with respect adhering to transparent relationships;
• We apply energy to provide a high-quality service and support;
• We demand from our partners to abide by Fair Lending practices.
Lending Partners
We work only with those lenders who abide by law and are legally authorized to lend money to consumers. We take every effort to build a network of only reliable partners to ensure that you, our customer, get the services of high quality and risk nothing. Once you are connected with a financial provider, please check details on that lender so you can ask them questions if any occur.It’s important to remember that every lender has their own terms and conditions. Interest rates, repayments, late payments, missed payments, and loan renewals vary by lender. To know what to expect, contact your financial provider.
Impact on Credit Score
Information on your financial background is translated into a three-digit score that serves to express your credit worthiness and predict how likely you are to handle the debt in the future. The higher your score, the more chances you have to be approved for a loan with better terms. Things that may negatively affect your credit score are listed below:
• late payments,
• missed payments,
• hard credit check,
• loan renewal.
However, if your credit is less than perfect you still can be approved. All loans are subject to credit approval.
Late Payments
We strongly recommend that you have a responsible attitude to borrowing and take a loan only when you can afford it. It is important to understand the consequences of making late payments. If you make a late payment, you’ll have to pay a fee. We do not possess information on the amount of penalty. It only becomes available when a financial provider reaches you to finalize the loan process.
Always review all the documentation before signing the loan agreement to understand any potential fees that may result from late payment.
If you feel that you can’t repay on time, get in touch with your lender as soon as possible and warn them about your situation.
Please remember that a loan is a short-time solution and should not be seen as a tool to cope with major financial struggles.
Missing a Payment
We encourage borrowers to pay off their debt on time. Missing a payment may result in additional fees and collection activities which may negatively affect your credit score. Each lender has their own policy regarding missed payments. We recommend that you thoroughly peruse your loan agreement as it contains all the significant information about lender’s policy towards missed payments.
If you aren’t able to able to repay the loan on the due date, please contact your provider in advance to settle the issue.
Rollovers
Some financial providers offer the opportunity to roll your debt over if you are unable to repay on the due date. Note that renewing a loan is not free: you have to pay a fee to delay the repayment. The fee does not reduce the amount you owe and the rollover payments have the same interest rate as the missed payment.
Types of Renewal Policies
We work with a considerable number of lenders, and each of them has their own renewal policy. Typically, they offer two types of renewals:
• Unlimited renewals. They allow you to renew your debt on numerous occasions and are very expensive decisions.
• Automatic and borrower-initiated renewals. They allow you to renew your debt but on a limited basis.
Collection
In extreme cases when you have a delinquent payment and are reluctant to contact your lender to discuss the issue, they can resort to collection activities. Typically, they inform you about the intention to begin the collection procedure by phone, mail or email. If you still avoid communication, your lender may turn to a collection agency.
The collection practices of a particular lender are stated in the loan agreement. We encourage borrowers to read it carefully to be aware of the lender’s policy regarding the collection practices. For more information, please get in touch with your lender.
We address your privacy with care. We understand the importance of personal data safety. And we are also well aware of the pressure the modern world puts upon management of this information. To make our privacy protection principles clear, we established this Privacy Policy. We encourage you to read this section before you start using birchlendingapply.com. Please note that by using our platform you confirm that you agree with our Privacy Policy.
1. What Kind of Information We Collect
We gather the following information from you, personally identifiable information and non-personally identifiable information.
Personally identifiable information is the sort of data that allows to recognize you as an individual. You provide us with it when you sign up and start submitting a request. This information may include but is not limited to: your full name, date of birth, place of residence, phone and mobile phone number, driver’s license, social security number, relevant employment details, income, banking account, credit history, military status.
Non-personally identifiable information relates to the data that doesn’t reveal anything about your identity. This information is anonymous and may include but is not limited to: IP address, Internet provider, browser, language, time of browsing session, clicks, links you followed, etc. Such kind of data is collected through cookies, web beacons and pixel tags.
Cookies are tiny pieces of data sent by a website you visited and stored at your computer.
The terms of web beacons and pixel tags are associated with small transparent graphic images that allow to track behavior of website visitors.
2. Why We Collect This Information
Collecting personal details of users is necessary for business management, technical support improvement and marketing research. We also need your private data to process your application and get you connected with one of our lenders.
3. How We Share Your Personally Identifiable Information
By providing your personally identifiable information, you allow us to process your application and connect you with a lender. That also means that we have the right to share this information with a third party because a lender cannot approve your loan without knowing anything about you.
Please note that lenders may verify your personal information by sending requests to national databases and credit reporting agencies. Such inquiries may affect your credit score.
We may share some of your data with our affiliates, partners and other accredited third parties for the purposes of business management, security, advertising, marketing, consumer behavior research, consumer support improvement.
We reserve the right to share your information with another company that has acquired our business, a part of it, or fused with us. In case such a situation takes place, it’s possible that we will inform you about these changes by email or with an announcement posted on our website.
We may share your personally identifiable information if it is required by the law and is necessary to proceed with a legal process or to protect our rights.
4. How We Share Your Non-Personally Identifiable Information
By collecting and sharing your non-personally identifiable information with third parties, we improve our technical service, analyze the behavior of our customers and gather web statistics important to management of our business. We may share it with other third parties for these purposes.
5. Links Provided by Third Parties
When browsing our website, you may come upon links to third parties’ websites. All these links are given to you only as a reference. You click them on your own will. We do not manage those websites; therefore, we cannot be held accountable for their content, privacy policy, terms and practices as their management is beyond our responsibility and control.
6. Marketing Practices
By accessing our website, you acknowledge that you know about our marketing practices and agree with them. You have nothing against receiving advertisements, newsletters, marketing messages and other promotional materials from us.
Our third-party partners may also send you their marketing messages using all the contacts you’ve provided us with.
When you start using our website, you acknowledge that you are aware of our marketing practices and that you agree to receive such kind of messages from us and our third-party partners. In case you don’t want to receive marketing messages from us, we give you an option to opt-out. Nevertheless, if you want to opt-out from third parties’ messages, you should contact them directly with this request.
Please note, that we are not responsible for marketing practices of third parties as we do not control them.
7. How We Protect Your Information
To keep your personal information safe, we use safeguards and advanced security systems that correspond to the US law requirements regarding this matter. Only authorized personnel can access your data. They may do so only for business purposes allowed by the current US legislation.
Despite our best efforts, we cannot guarantee total safety of your data. This is impossible due to the fact that we are not able to control law violators.
8. Notice for Foreigners
We render our services exclusively to employed residents of the United States. If you are a foreigner, don’t access our website.
9. Notice for Minors
We render our services exclusively to people over 18 years old. If you are a minor, don’t access our website.
As seen above, we do not deliberately collect data from children. If you are a parent or a legal guardian of a child that accessed our website, please, inform us about the incident using our contacts.
10. Privacy Policy Changes
We reserve the right to revise, modify, update this Privacy Policy when we find appropriate to do so. We can revise, modify, update the Privacy Policy without notice. For this reason we encourage you to reread this section from time to time. If you keep accessing our website after we’ve changed the Privacy Policy, then it will mean that you agree with the changes.
11. Your Rights Under the CCPA
11.1 General Information. If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.
11.1.1
Category of Information
Identifiers
Examples
Name, internet protocol address, email address, or other similar identifiers
Source of Information
Consumer, third-party data providers, marketing partners, and advertising partners
Purpose of Collection
For us to provide services, market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, web analytics providers, service providers, vendors, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information
11.1.2
Category of Information
Personal information categories listed in the California Customer Records statute
Examples
Name, signature, address, telephone number, driver’s license or state identification number, employment, social security number, bank account number
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information
11.1.3
Category of Information
Protected classification characteristics under California or federal law
Examples
Age, military status
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
11.1.4
Category of Information
Commercial information
Examples
Product or service provider sites you choose to navigate to
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
11.1.5
Category of Information
Biometric data
Examples
Keystroke or other behavioral or biological characteristics
Source of Information
N/A
Purpose of Collection
N/A
Who Do We Share With
N/A
11.1.6
Category of Information
Internet or similar network activity
Examples
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement
Source of Information
Consumer, web browsers, marketing partners, and advertising partners
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers
11.1.7
Category of Information
Geolocation data
Examples
Physical location or movements
Source of Information
Consumer, web browsers, marketing partners, and advertising partners
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements
Who Do We Share With
Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers
11.1.8
Category of Information
Sensory data
Examples
Audio, electronic, visual, or similar information
Source of Information
N/A
Purpose of Collection
N/A
Who Do We Share With
N/A
11.1.9
Category of Information
Professional or employment-related information
Examples
Current employer, length of employment
Source of Information
Consumer and third-party data providers
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers
11.1.10
Category of Information
Inferences drawn from other personal information
Examples
Profile reflecting a person’s preferences, characteristics, trends, behavior, and abilities
Source of Information
Third-party data providers, marketing partners, and advertising partners
Purpose of Collection
For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations
Who Do We Share With
Data processing providers, web analytics providers, and security/anti-fraud providers
11.2 Right to Know. As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it collected or sold the personal information; and (iv) the categories of third parties with which the business shares personal information.
Additional Privacy Rights. You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.
Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service.
Alternative Format of CCPA Notice. If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at contact@birchlendingapply.com. We will work with you to provide this notice in an alternative format.
Authorized Agent. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.
How to Submit Your Request for Specific Information. You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to contact@birchlendingapply.com or you can make your request for information here. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Delete Information. You can request the categories of information we have on file or deletion of information available on our request form available here. You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to contact@birchlendingapply.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
How to Exercise Your Right to Opt-Out of Sale of Your Information. Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line “CCPA Do Not Sell My Information” to contact@birchlendingapply.com. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
DO NOT SELL MY PERSONAL INFORMATION
However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.
12. California Disclosures
California Law requires us to provide certain disclosures to users of this Website. Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at contact@birchlendingapply.com. Please note that this section does not prohibit disclosure made for non-marketing purposes. Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, birchlendingapply.com does not respond to do-not-track browser settings or signals.
13. How You Can Contact Us
If there is something you would like to discuss with us, please, send us a message via our contact form.
Rates and Fees
birchlendingapply.com streamlines the loan process from start to finish, though we do not lend you money ourselves. This also means we do not make any decisions on your request, we cannot influence the lender’s decision, and we are not privy to information regarding your fees, rates, APR, nonpayment rules, and renewal policy.
This website is an online service that works to put in touch borrowers like you with reliable lenders that are ready to satisfy your current financial needs.
All details, such as fees, rates, APR, nonpayment rules, and renewal policy are specified in your loan agreement and depend on local regulations by state. On our part we provide plenty of information that can help you better understand what a loan is, how it works, and how to use it wisely.
The service works for you for free. We do not bring you to accept the first available offer, allowing you to decline unsuitable options for as long as you are completely satisfied with all terms and conditions. Our activity has a simple goal: meeting our clients’ financial interests. That's just how it has to be.
Once your request is approved, the lender will make you an offer, including the fees and APR, as well as the terms of repayment and loan renewal options, if any. We encourage you to read the agreement carefully and weigh all pros and cons and be fully equipped with the necessary information to not fall in an unpleasant financial situation.
Pay particular attention to non-payments that may result in additional fees, negative impact on your credit score, and even collection activities. In case you have no funds to repay the debt on a due date, immediately contact your lender and discuss ways how to handle the situation.
Some lenders can offer to resort to a loan renewal. Remember that each lender has its own renewal policy, so we recommend that you peruse it before accepting the offer.
If you need more information on your loan agreement, please address all your questions directly to your lender. As far as we are concerned, we are ready to answer only those questions that are relevant to our service.
Disclosures described above are for information purposes only. Do not regard them as legal advice.