Here is how this goes. You fill in one short form, we pass it to the lenders and lending partners in our network, and they get back to you. It costs you nothing.
Pick the closest option and we will connect you with lenders.
Short version: you tell us the purpose, we pass it round our network, and lenders answer you.
One question, and a way for a lender to get hold of you. It is free.
Lenders and lending partners in our network see it and decide whether to come back to you.
They set the terms after reviewing your application, and they deal with you themselves. Nothing is binding until you sign.
Pick whichever is nearest. It does not have to be exact, it only points your request at the right lenders.
Balances all over the place become one payment on one schedule. The lender's terms decide if it is worth it.
Repairs and renovations, without borrowing against the roof over your head.
A repair that came out of nowhere, or a private sale no dealer will finance.
A medical bill, a move, a wedding, or a big purchase you would rather pay off over time.
We pass your request around the lenders and lending partners in our network. We do not lend, and we do not set the terms.
Fill in the form, see what comes back, and go from there.
No. Emissary Vault is a comparison and referral service. We don't lend money, we don't approve or deny applications, and we don't set rates or terms. We connect you with lenders and lending partners who do.
We can't tell you, and we won't pretend to. Rates and terms are set by the lender after they review your application, and they depend on your credit profile, your income, your state, the amount, and that lender's own criteria. Anyone quoting you a number before you apply is estimating.
Nothing. We're paid by the lenders and partners in our network when we refer a customer. That's also why we can't claim to show you every lender in the market. We work with the ones we work with.
No. Nothing is binding until you review a lender's final terms and sign their loan agreement. You can walk away at any point before that.
We share what you submit with lenders and lending partners so they can evaluate your request and contact you. We don't sell it for purposes unrelated to your inquiry. The full detail is in our Privacy Policy.
Emissary Vault, and the lenders or lending partners we connect you with. You can opt out of our marketing at any time through the unsubscribe link in any email, or by emailing optout@emissaryvault.com.
It is one short form, it is free, and nothing gets signed here.
ContinueEmissary Vault · 2120 S Reserve St, PMB 721, Missoula, Montana 59801
Emissary Vault is not a lender, bank, credit union, or loan broker and does not make credit decisions or issue loans. We operate a comparison and referral service that connects consumers with third-party lenders and lending partners. We do not guarantee that you will be approved, that you will receive any particular rate, term, or loan amount, or that any lender will contact you.
We do not quote rates, terms, payments, or loan amounts. Nothing on this site is an offer of credit, a pre-approval, or a commitment to lend. All terms are determined solely by the lender after it reviews and underwrites your application, and they vary by lender, by applicant, and by state. Not all products are available in all states, and some lenders charge origination or other fees.
Applying with a lender may involve a credit inquiry, which can affect your credit score; the lender will disclose this to you. Late or missed payments may result in additional fees and can negatively affect your credit. Consolidating debt into a longer-term loan may lower a monthly payment while increasing the total amount repaid over the life of the loan.
We are compensated by lenders and partners in our network when we refer a customer. This compensation may influence which products appear and the order in which they appear. We do not represent every lender or loan product available in the market. Emissary Vault does not provide financial, legal, tax, or credit-repair advice; consider speaking with a qualified professional about your situation.