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About LoanVault

We are a team of financial journalists, ex-bankers, and data scientists committed to making international lending transparent and accessible.

Our Mission

LoanVault was founded in 2023 with a single purpose: to cut through the noise of global lending markets and deliver clear, actionable intelligence to borrowers worldwide. Whether you're a first-time homebuyer in the UK, an international student in Canada, or a Pakistani entrepreneur seeking a US business loan, we provide the guidance you need.

What We Cover

  • USA: Federal mortgages, SBA loans, student loans, auto finance, personal loans from Marcus, SoFi, LendingClub, and more.
  • UK: Help-to-Buy, FCA-regulated personal loans, Barclays, Lloyds, Monzo rates.
  • Canada: CMHC insured mortgages, TD Bank, RBC, credit union loans.
  • Australia: HECS-HELP student debt, Big Four banks, RBA rate analysis.
  • Europe: ECB rate impact, German Sparkasse, Spanish mortgage market.

Our Editorial Standards

Every article on LoanVault is written by specialists with hands-on lending experience. We do not accept paid placements in our editorial content. Lender links may be affiliate links which help fund our research — but our ratings and recommendations are always independent.

Disclaimer

Content on LoanVault is for informational purposes only and does not constitute financial advice. Always consult a licensed financial advisor before making loan decisions. Interest rates quoted are indicative as of publication date and may change.

Contact Our Team

For editorial queries: editorial@loanvault.com
For advertising: ads@loanvault.com

Contact Us

Have a question about a loan guide, rate comparison, or partnership? We'd love to hear from you.

Send a Message

Get in Touch

Email Us
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Response Time
Within 24–48 business hours
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LoanVault Intelligence

Privacy Policy

Last updated: January 1, 2025. We are committed to protecting your personal information.

1. Information We Collect

LoanVault collects information you provide directly (email for newsletter, contact form submissions) and information collected automatically (IP address, browser type, pages visited, referring URLs) through cookies and analytics tools.

2. How We Use Your Information

  • To send our weekly Rate Alerts newsletter (only if you subscribed)
  • To respond to contact form submissions
  • To analyze site traffic and improve content
  • To serve relevant financial advertisements through Google Ad Manager
  • To comply with legal obligations

3. Cookies & Advertising

We use Google Analytics and Google Ad Manager. These services may set cookies to deliver personalized financial advertisements based on your browsing behavior. Interest-based advertising uses your prior visits to finance-related websites to show relevant loan offers. You may opt out via Google Ad Settings.

4. Third-Party Links

Articles on LoanVault contain links to lender websites (SoFi, LendingClub, HSBC, etc.). These sites have their own privacy policies. We are not responsible for their data practices.

5. Data Retention

Newsletter subscriber emails are retained until you unsubscribe. Contact form data is retained for 90 days. Analytics data is retained for 26 months per Google's standard retention policy.

6. Your Rights

Depending on your jurisdiction, you may have rights to access, correct, delete, or port your personal data. Contact us at privacy@loanvault.com for any data requests. EU/UK residents have additional rights under GDPR/UK GDPR.

7. Children's Privacy

LoanVault is not directed at children under 18. We do not knowingly collect information from minors.

8. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be announced on our homepage. Continued use of the site after changes constitutes acceptance.

9. Contact

Privacy questions: privacy@loanvault.com

Terms of Service

Last updated: January 1, 2025. Please read these terms carefully before using LoanVault.

1. Acceptance of Terms

By accessing or using LoanVault ("the Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

2. Informational Purpose Only

All content on LoanVault — including loan rate tables, eligibility guides, lender comparisons, and calculator outputs — is provided for general informational purposes only. Nothing on this Site constitutes financial, legal, or tax advice. You should always consult a qualified financial advisor before applying for any loan.

3. Accuracy of Information

We strive to keep rate information and lender details current, but interest rates, eligibility criteria, and loan products change frequently. We make no warranty that information is accurate, complete, or current. Always verify directly with the lender.

4. Affiliate Disclosures

Some links on LoanVault are affiliate links. If you click an affiliate link and apply for a loan, we may receive a referral commission at no additional cost to you. This does not affect our editorial ratings or recommendations.

5. Prohibited Uses

  • Using the Site to harvest data through automated scraping
  • Reproducing articles or rate tables without written permission
  • Using the Site for any unlawful purpose
  • Attempting to gain unauthorized access to our systems

6. Intellectual Property

All content, logos, and design elements are the property of LoanVault. You may share individual articles with attribution and a link back to the original. Reproduction in bulk is prohibited.

7. Limitation of Liability

LoanVault shall not be liable for any financial decisions made based on information found on this Site. We are not responsible for lender decisions, loan approval or denial, or any losses arising from loan products you apply for.

8. Governing Law

These Terms are governed by applicable laws. Disputes shall be resolved through binding arbitration or the courts of the applicable jurisdiction.

9. Changes

We reserve the right to modify these Terms at any time. Continued use of the Site constitutes acceptance of updated Terms.

10. Contact

Legal questions: legal@loanvault.com