Last updated: January 2026
KalixLend is a loan referral service. We are not a bank or direct lender. We do not make loans, credit decisions, or set loan terms. All loan offers presented through KalixLend are made by independent third-party lenders, who are responsible for the terms, rates, and approval of any loan.
Advertised rates, including the "as low as 7.99% APR" rate referenced throughout the Site, represent the lowest rates available to the most highly qualified applicants. Your actual rate may differ based on:
Loan amounts, terms, fees, and minimum credit requirements vary by lender and by state. Not all applicants will qualify for all loan products, and not all products are available in every state.
References to funding within 48 hours represent typical funding times after final approval and execution of loan documents. Actual funding time depends on the lender's processing schedule, your bank's policies, the day and time of approval, and verification requirements. Some loans may take longer to fund.
Pre-qualifying through KalixLend uses a soft credit inquiry, which does not affect your credit score. A hard credit inquiry — which may impact your score — only occurs if you proceed with a formal loan offer from a participating lender.
The loan calculators and tools on this Site, including the Credit Card Payoff Calculator, are for illustrative and educational purposes only. Results are estimates based on the inputs you provide and do not constitute a loan offer or guarantee of approval. Actual loan terms, payment amounts, and total costs depend on the lender's final underwriting decision.
The information on this Site is provided for general informational purposes only. It is not financial, legal, tax, or investment advice. You should consult with a qualified professional before making decisions based on the content of this Site.
The Site may contain links to or content from third parties. KalixLend does not endorse and is not responsible for the accuracy or content of third-party material.
KalixLend and its participating lenders comply with the Equal Credit Opportunity Act and applicable fair lending laws. Credit decisions are based on creditworthiness without regard to race, color, religion, national origin, sex, marital status, age, or because all or part of the applicant's income derives from a public assistance program.
If you have any questions about this Disclaimer, please contact us at info@kalixlend.com or (866) 810-2598.