How we make money
Today
As of November 2026, Northlight earns no money. The site carries no advertising, no affiliate links and no paid placements, and no lender has paid to be mentioned. We do not collect loan applications.
What we plan to add
We plan to add a request form. A reader who chooses to use it will be able to ask to be connected with lenders or lending partners that operate in their state. If a partner accepts a request, that partner will pay Northlight a referral fee. The reader will pay Northlight nothing, and using the form will be optional: every page on the site will stay free to read without it.
Before the form goes live, this page and the privacy policy will be updated to say exactly who receives the information entered in the form and what they may do with it.
What payment will not change
- The facts. Prices come from state law and legal limits come from statutes. No partner can edit them.
- The alternatives. Cheaper options, such as credit union loans, payment plans and assistance programs, stay on the page even though they earn us nothing.
- The wording. We will not describe approval as certain or call a product “the best” because someone pays us.
- The standard. A lender we refer you to must offer an APR of no more than 35.99%, fees included, and at least three months to repay.
What a referral would and would not mean
A referral is not an approval and not a recommendation. A partner that receives a request makes its own decision and sets its own price within state law. Compare any offer with the legal limits on your state’s page and with the alternatives before you accept it.
Questions
Ask us through the contact page. Our editorial policy explains how pages are researched and corrected.