Loan Broker Disclosure Statement

Credit Karma Offers, Inc. (“we” or “us”) is a Delaware corporation with its principal place of business located at 760 Market St., 5th floor, San Francisco, CA 94102. We operate a loan marketplace platform, accessible online at creditkarma.com and through the Credit Karma mobile app. In some states, offering these services could require us to be licensed as a personal loan broker or hold some similar state license. Our goal is to help you find lenders with products and offerings that may meet your needs. We do not make credit decisions, fund loans, service loans, or offer any other similar loan services. We do not and cannot issue approvals or commitments on any lender’s behalf. Lenders will require additional information from you in order to complete your loan application. Credit Karma Offers, Inc. does not enter into loan brokerage contracts with members and does not charge members any fee for its services.

Licenses

Alabama

Alabama Consumer Credit License No. 22494

Arizona

Arizona Consumer Lender License No. CL-0943261

California

California Department of Business Oversight, Finance Lender License No. 60DBO-78868

Connecticut

Connecticut Small Loan License No. SLC-1628077

Credit Karma Offers, Inc. is licensed by the Commissioner of Banking, 260 Constitution Plaza, Hartford, Connecticut 06130.

Louisiana

Louisiana Loan Broker License No. 001357

LOAN BROKERAGE AGREEMENT AND DISCLOSURE STATEMENT

DISCLOSURE REQUIRED BY LOUISIANA LAW

The state of Louisiana does not approve or disapprove any loan brokerage contract. The information contained in this disclosure has not been verified by the state. If you have any questions see an attorney before you sign a contract agreement.

CREDIT KARMA OFFERS, INC.
760 Market St. Fl. 5
San Francisco, CA 94102

Credit Karma Offers, Inc. is a Delaware corporation and was incorporated on March 29, 2017. Credit Karma Offers, Inc. is a wholly owned subsidiary of Credit Karma, Inc. and an affiliate of Credit Karma Insurance Services, LLC; Maple Leaf Meerkat, LLC; Credit Karma Technologies, Ltd.; Credit Karma Tax, Inc.; and Credit Karma Mortgage, Inc. Credit Karma Offers, Inc. is doing business under no other names.

Credit Karma Offers, Inc. began operations as a loan broker on February 5, 2018.

SERVICES WHICH MAY BE PERFORMED:

  • (a) taking information from the borrower and filling out the application;
  • (b) transmitting the application to potential lender(s) and transmitting application status or decision back to the borrower.

As required by Louisiana law, this loan broker has secured a bond by Platte River Insurance Company, 1600 Aspen Commons, Middleton, WI 53562, a surety authorized to do business in this state. A certified copy of this bond is filed with the commissioner of financial institutions. Before signing a contract with this loan broker you should check with the surety company to determine the bond’s current status.

Maine

Maine Loan Broker License No. CSO14222

As required by Maine law, Credit Karma Offers, Inc. has secured a bond by Platte River Insurance Company, 1600 Aspen Commons, Middleton, WI 53562, a surety authorized to do business in Maine.

Maryland

Maryland Credit Services Business License No. 28-106

You have a right to review any file maintained on you by any consumer reporting agency, and the right to receive a copy of a consumer report containing all information in that file as provided under the federal Fair Credit Reporting Act (15 U.S.C. § 1681g) and under Md. Commercial Law § 14-1206.

A copy of the consumer report containing all information in your file will be furnished free of charge by the consumer reporting agency upon your request within 30 days of receiving a notice of a denial of credit as provided under the federal Fair Credit Reporting Act (15 U.S.C. § 1681j) and Md. Commercial Law § 14-1209.

A nominal charge not to exceed $5 may be imposed on you by the consumer reporting agency for a copy of the consumer report containing all the information in your file, if you have not been denied credit within 30 days from the receipt of your request.

You have a right to dispute the completeness or accuracy of any item on the consumer report in any file that is maintained by any consumer reporting agency, as provided under the federal Fair Credit Reporting Act (15 U.S.C. § 1681i) and Md. Commercial Law § 14-1208.

The services to be provided to you by Credit Karma Offers, Inc. may include (i) taking information from you and filling out a loan application; and (ii) transmitting your application to potential lenders and transmitting the application status or decision back to you. These services will be provided to you at no cost.

Accurately reported information may not be permanently removed from the file of a consumer reporting agency.

You have a right to file a complaint pursuant to Md. Commercial Law § 14-1911. Such complaints may be filed with the Commissioner of Financial Regulation, Attn: Consumer Services Unit, at the following address: 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202.

Credit Karma Offers, Inc. has secured a bond by Platte River Insurance Company, 1600 Aspen Commons, Middleton, WI 53562, a surety authorized to do business in Maryland. You have the right to proceed against the bond under the circumstances and in the manner set forth in Md. Commercial Law § 14-1910.

New Hampshire

New Hampshire Small Loan License No. 22169-SM

You or your attorney may file a complaint related to this service with the New Hampshire Bank Commissioner.

New Jersey

New Jersey Consumer Finance License No. 1703218-C31

North Carolina

North Carolina Loan Broker Registration No. 249

As required by North Carolina law, Credit Karma Offers, Inc. has secured a bond by Platte River Insurance Company, 1600 Aspen Commons, Middleton, WI 53562, a surety authorized to do business in North Carolina.

North Dakota

North Dakota Money Broker License No. MB103166

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER’S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.

Oklahoma

Oklahoma Credit Service Organization No. CSO00480

As required by Oklahoma law, Credit Karma Offers, Inc. has secured a bond by Platte River Insurance Company, 1600 Aspen Commons, Middleton, WI 53562, a surety authorized to do business in Oklahoma.

Oregon

Oregon Consumer Finance License No. 0451-001-C

Credit Karma Offers, Inc. is subject to the regulations and oversight of the Division of Financial Regulation of the Department of Consumer and Business Services. Consumers’ inquiries or complaints may be made by calling (866) 814-9710.

Pennsylvania

Pennsylvania Consumer Discount Company No. 63798

Rhode Island

Rhode Island Loan Broker License No. 20183569LB

Tennessee

Tennessee Industrial Loan and Thrift Registration No. 3996

Texas

Texas Regulated Lender License No. 159312

West Virginia

West Virginia Credit Services Organization Registration No. 9AIKL

As required by West Virginia law, Credit Karma Offers, Inc. has secured a bond by Platte River Insurance Company, 1600 Aspen Commons, Middleton, WI 53562, a surety authorized to do business in West Virginia.

Wisconsin

Wisconsin Consumer Act Registration, May 2017