How we make money
Always free for you. Here's how that works.
"What's the catch?" is exactly the right question to ask a free service. So let's answer it properly.
The plain answer
Ask Pennie is always free for you.
We're paid by the financial partners we work with to help their customers understand their options.
$13B+
in financial products reviewed and compared
200M+
customer inquiries matched with financial options
360M+
offers delivered across our network
32M+
people successfully funded through partner lenders
$13B+
in financial products reviewed and compared
360M+
offers delivered across our network
200M+
customer inquiries matched with financial options
32M+
people successfully funded through partner lenders
Why that's good for you
Informed customers are the whole point
Confused customers walk away. Informed customers make decisions they don't regret. The partners we work with pay for the guidance because it makes their customers' experience better so the help costs you nothing.
That's the entire model. No subscriptions, no hidden fees, no surprise invoice later. You will never be asked to pay Ask Pennie anything, for anything.
Confusing terms
Unclear next steps
Different rates
Ask Pennie
Side-by-side comparisons
Simple explanations
Clear path forward
Our promises
The same three things, every time. No matter where you are in the process.
We never sell your information
Your information stays private and is never sold to marketers or advertisers.
We never pressure you
No pressure, no countdowns, no sales tactics. You decide when you're ready.
"No" is a fine answer
"None of these offers work for me" is always a valid choice. You stay in control.
Learn more about AskPennie
What we believe
Good guidance shouldn't cost you anything.
So it doesn't. The financial partners we work with pay for the guidance. You never do, and you're never under any obligation.
We believe financial education should be free for everyone.
Other info
Pre-approved
Total monthly savings
$488 / month
Term length
7 Years
Average interest rate
7.9% APR
Quick answers
The three questions everyone asks
Yes. Ask Pennie is completely free to use.
You recently requested information about financial offers. Ask Pennie reaches out to help explain your options and answer questions.
No. Talking with Ask Pennie won't impact your credit score. Asking questions and reviewing offers is completely risk-free.
Get started
Let's make sense of your offers
Drop your details and Ask Pennie will help you understand your options and answer your questions by text, on your schedule.
Plain-language guidance from people who get it
No pressure and no judgment ever
Your info is never sold to third parties for marketing
New here?
Tell us how to reach you and a dedicated advisor will get in touch to walk through your offers free, no pressure, no credit impact.
Got a text from us?
That's your dedicated advisor a real person, ready when you are. Reply whenever it suits you; the conversation moves at your pace.