What Is Charter Funding, And What It Is Not

Charter Funding in plain terms

Charter Funding is a loan referral service. It is a trade name of United Funding Systems LLC.

The service has a narrow job. It helps consumers explore personal loan options and connects them with participating lenders who may consider a request. That is the whole of it.

Connecting means your request can reach participating lenders for their own review. Those lenders use their own eligibility criteria. They decide whether to extend an offer, what rates and terms to set, how much to lend, and whether to fund anything.

Charter Funding connects, refers, and explains. Participating lenders lend. Keeping those roles separate is the most useful thing to take from this page, because it shapes what you can reasonably expect next.

What Charter Funding is not

Plain boundaries help more than reassurance, so here they are.

Charter Funding is not a lender, bank, creditor, underwriter, or funding source. The service does not lend money, approve applications, or issue loans. No annual percentage rate (APR), payment, term, or loan amount is set here.

It is not a debt-relief, debt-settlement, or credit-repair provider, and it does not offer those services. If you read about consolidating balances, it helps to remember that a consolidation loan is a loan. Such a loan combines qualifying debts into a consolidated payment. A longer term may raise the total amount repaid even when a monthly payment falls.

Charter Funding is not a loan servicer or a collector. After a loan closes, billing, due dates, hardship requests, and payment arrangements sit with the lender or the servicer named in your agreement.

Charter Funding is also not a financial adviser, and its staff are not advisers. The information here is general consumer education, not advice about your particular situation.

What Is Charter Funding Doing When You Submit A Request

A request is a way to explore options. It is not an application to a specific lender, and it is not a commitment to borrow.

Submitting a request does not guarantee an offer or approval. No result is promised to anyone, because participating lenders review requests under their own criteria and reach their own conclusions.

A rate check, an invitation, or an access code is also not an approval. Those things can look official and still represent only an invitation to apply or to look further. Approval comes from a participating lender, after that lender's own review, and it arrives in that lender's own documents.

If you want to explore personal loan options, you can begin a request and stop at any point before you agree to anything.

Charter Funding is a loan referral service, not a lender. Loan decisions and terms are made by participating lenders.

What Is Charter Funding Doing With The Information You Share

When you submit a request, the information in it may be shared with participating lenders so they can consider it. Those lenders may ask you for more information later, directly, as part of their own review.

Charter Funding uses administrative and technical safeguards to protect the information it handles. We describe those safeguards in precise terms rather than absolute ones, because no organization can honestly claim that any system is beyond risk.

You also keep control of the pace. Ask questions before you share anything further. You can decide not to continue, and declining costs you nothing and carries no consequence with us.

What Charter Funding Cannot Promise

Charter Funding cannot promise approval. No promise exists that an offer will appear, or that any particular lender will respond.

Rates, payments, loan amounts, and terms belong to the lender that makes an offer, so this service cannot promise them. Rates and terms vary by lender and by applicant.

Speed is not something we can promise either. Timing varies by lender, by the information provided, and by each lender's own process.

Availability everywhere is outside our hands as well. Availability varies, and participating lenders operate in the states where they are licensed to lend.

Saying this plainly is more useful than softening it. A referral service that promised outcomes would be describing decisions it does not make.

Why The Role Boundary Matters When You Read An Offer

The role boundary is not paperwork. It changes how you read what arrives next.

If you receive an offer, the terms in it come from the participating lender named on the document. The annual percentage rate (APR), the payment schedule, the fees, and the conditions are that lender's terms. That lender is who you would be borrowing from.

So the questions worth asking belong to that lender. Who is the lender on this agreement? What is the APR, and what does it include? What happens if a payment is late? Is there a fee for paying the balance early?

Knowing that Charter Funding does not set those terms tells you where to direct your questions. It also tells you that nothing you see from us amounts to a decision about your request.

A Clear Next Step

If exploring personal loan options seems useful to you, start a request when you are ready. You may qualify for offers from participating lenders that review it. If approved by a lender, you would review that lender's terms before agreeing to anything.

If you would rather read before you share anything, that is a reasonable place to begin. Personal loans with a soft credit check and your credit covers how credit inquiries fit into the process.

There is no deadline here. Read, ask, and decide at your own pace.

Is Charter Funding A Lender?

No. Charter Funding is a loan referral service and a trade name of United Funding Systems LLC. It is not a lender, bank, creditor, or underwriter. Participating lenders make all loan, approval, rate, term, amount, and funding decisions.

Does Submitting A Request Affect My Credit?

Exploring options at this stage may involve a soft inquiry, which generally does not affect credit scores. If you move forward with a participating lender, that lender may later run a hard inquiry, which may affect your credit. The lender will tell you which type it uses.

Does A Referral Mean I Have Been Approved?

No. A referral, a rate check, an invitation, or an access code is not approval. Participating lenders use their own eligibility criteria and review each request themselves. Approval, if it happens, comes from a lender in that lender's own documents.

Is Charter Funding Available Where I Live?

Availability varies, because participating lenders operate only in the states where they are licensed to lend. You can check availability for your location when you begin a request, and you can stop before submitting anything.

Does Charter Funding Handle My Payments After A Loan Closes?

No. Charter Funding has no role in servicing or collections. Billing, due dates, and any hardship options come from the lender or servicer named in your loan agreement, so contact them with payment questions.