About this site
A small company, a plain service, and a few rules we don't bend.
What we do
American Unsecured runs one form. You fill it in once; it goes to a network of lenders and lending partners; a lender that wants to work with you shows you its terms; you decide. That's the whole service. We're not a lender, we don't make credit decisions, and we don't touch the money.
How we're paid
Lenders and lending partners in the network pay us when we introduce a request to them. You never pay us anything. That arrangement is common in this industry and we'd rather say it plainly than let you wonder.
Who we are
We're a small team based in Tallahassee, Florida, led by Kurt Artecona, who has run consumer-credit and lending-referral businesses for many years and wrote Money Matters, a book on money problems and practical solutions. That background is why this site spends as much space telling you how to avoid an expensive loan as it does helping you ask for one.
Rules we hold ourselves to
We say what we are on every page. We never charge the borrower. We ask only what lenders need and store none of it here. We show you what a loan costs before you look for one, and we point to cheaper routes when they exist. We don't use fake reviews, fake countdowns or fake badges. If you think we've broken one of these rules, tell us.
Borrow carefully
A short-term loan is for a short-term problem. If the problem is ongoing, a loan tends to make it bigger. Other options is the page we'd most like you to read.