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This page was last changed on January 31, 2025, last checked on January 31, 2025 and applies to citizens and legal permanent residents of the United States.

1. Introduction

Our website, https://essentialoan.com (hereinafter: "the website") uses cookies and other related technologies (for convenience all technologies are referred to as "cookies"). Cookies are also placed by third parties we have engaged. In the document below we inform you about the use of cookies on our website.

We do not sell or share personal information to third parties for monetary consideration; however, we may disclose certain personal information to third parties under circumstances that might be deemed a “sale” or ”Sharing” for residents of California (CPRA), Colorado (CPA), Connecticut (CTDPA), Nevada (NRS 603A), Utah (UCPA) and Virginia (CDPA). We respect and understand that you may want to be sure that your personal information is not being sold or shared. You may request that we exclude your personal information from such arrangements, or direct us to limit the use and disclosure of possible sensitive personal information, by entering your name and email address below. You may need to provide additional identifying information before we can process your request.

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2. Cookies

When you visit our website it can be necessary to store and/or read certain data from your device by using technologies such as cookies.

2.1 Technical or functional cookies

Some cookies ensure that certain parts of the website work properly and that your user preferences remain known. By placing functional cookies, we make it easier for you to visit our website. This way, you do not need to repeatedly enter the same information when visiting our website and, for example, the items remain in your shopping cart until you have paid. We may place these cookies without your consent.

2.2 Statistics cookies

We use statistics cookies to optimize the website experience for our users. With these statistics cookies we get insights in the usage of our website.

2.3 Advertising cookies

On this website we use advertising cookies, enabling us to gain insights into the campaign results. This happens based on a profile we create based on your behavior on https://essentialoan.com. With these cookies you, as website visitor, are linked to a unique ID but these cookies will not profile your behavior and interests to serve personalized ads.

You can object to the tracking by these cookies by clicking the "Manage Consent" button.

2.4 Marketing/Tracking cookies

Marketing/Tracking cookies are cookies or any other form of local storage, used to create user profiles to display advertising or to track the user on this website or across several websites for similar marketing purposes.

2.5 Social media

On our website, we have included content from Facebook to promote web pages (e.g. “like”, “pin”) or share (e.g. “tweet”) on social networks like Facebook. This content is embedded with code derived from Facebook and places cookies. This content might store and process certain information for personalized advertising.

Please read the privacy statement of these social networks (which can change regularly) to read what they do with your (personal) data which they process using these cookies. The data that is retrieved is anonymized as much as possible. Facebook is located in the United States.

3. Placed cookies

Most of these technologies have a function, a purpose, and an expiration period.

  1. A function is a particular task a technology has. So a function can be to "store certain data."
  2. Purpose is "the Why" behind the function. Maybe the data is stored because it is needed for statistics.
  3. The expiration period shows the length of the period the used technology can “store or read certain data."

Bing Ads

Marketing, Functional

Usage

We use Bing Ads for advertising. Read more

Sharing data

For more information, please read the Bing Ads Privacy Statement.

Marketing

Name
_uetsid
Expiration
1 day
Function
Store and track visits across websites
Name
_uetmsclkid
Expiration
session
Function
Store performed actions on the website
Name
_uetvid
Expiration
13 months
Function
Store and track visits across websites

Functional

Name
_uetvid_exp
Expiration
persistent
Function
Name
_uetsid_exp
Expiration
persistent
Function

One Signal

Marketing

Usage

We use One Signal for push notifications. Read more

Sharing data

This data is not shared with third parties.

Marketing

Name
isPushNotificationsEnabled
Expiration
persistent
Function
Name
isOptedOut
Expiration
persistent
Function

Purpose pending investigation

Name
onesignal-pageview-count
Expiration
session
Function
Store and count pageviews
Name
ONESIGNAL_HTTP_PROMPT_SHOWN
Expiration
Function

Google Ads Optimization

Marketing

Usage

We use Google Ads Optimization for showing advertisements. Read more

Sharing data

For more information, please read the Google Ads Optimization Privacy Statement.

Marketing

Name
google_experiment_mod*
Expiration
3 months
Function
Store and track visits across websites
Name
SID
Expiration
2 years
Function
Provide ad delivery or retargeting
Name
1p_jar
Expiration
1 month
Function
Provide ad delivery or retargeting

WordPress

Functional

Usage

We use WordPress for website development. Read more

Sharing data

This data is not shared with third parties.

Functional

Name
WP_PREFERENCES_USER_*
Expiration
persistent
Function
Store user preferences
Name
wpEmojiSettingsSupports
Expiration
session
Function
Store browser details
Name
wp-settings-time-*
Expiration
1 year
Function
Store user preferences
Name
wp-settings-*
Expiration
persistent
Function
Store user preferences
Name
wordpress_test_cookie
Expiration
session
Function
Read if cookies can be placed
Name
wp_lang
Expiration
session
Function
Store language settings
Name
wordpress_logged_in_*
Expiration
persistent
Function
Store logged in users

Google Adsense

Marketing

Usage

We use Google Adsense for showing advertisements. Read more

Sharing data

For more information, please read the Google Adsense Privacy Statement.

Marketing

Name
google_ama_settings
Expiration
persistent
Function
Store performed actions on the website
Name
google_adsense_settings
Expiration
persistent
Function
Provide ad delivery or retargeting
Name
_gcl_au
Expiration
persistent
Function
Store and track conversions

Google Analytics

Statistics

Usage

We use Google Analytics for website statistics. Read more

Sharing data

For more information, please read the Google Analytics Privacy Statement.

Statistics

Name
_ga_*
Expiration
1 year
Function
Store and count pageviews
Name
_gid
Expiration
1 day
Function
Store and count pageviews
Name
_ga
Expiration
2 years
Function
Store and count pageviews

Complianz

Functional

Usage

We use Complianz for cookie consent management. Read more

Sharing data

This data is not shared with third parties. For more information, please read the Complianz Privacy Statement.

Functional

Name
cmplz_preferences
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_statistics
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_marketing
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_functional
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_user_data
Expiration
365 days
Function
Read to determine which cookie banner to show
Name
cmplz_consented_services
Expiration
365 days
Function
Store cookie consent preferences
Name
cmplz_policy_id
Expiration
365 days
Function
Store accepted cookie policy ID
Name
cmplz_banner-status
Expiration
365 days
Function
Store if the cookie banner has been dismissed

Google various services

Marketing

Usage

We use Google various services for website development. Read more

Sharing data

For more information, please read the Google various services Privacy Statement.

Marketing

Name
__gpi
Expiration
Function

Wordfence

Functional

Usage

We use Wordfence for security and fraud prevention. Read more

Sharing data

For more information, please read the Wordfence Privacy Statement.

Functional

Name
wf_loginalerted_*
Expiration
persistent
Function
Provide protection against hackers
Name
wfwaf-authcookie*
Expiration
1 day
Function
Read to determine if the user is logged in

Active Campaign

Marketing

Usage

We use Active Campaign for marketing automation (automated email marketing). Read more

Sharing data

For more information, please read the Active Campaign Privacy Statement.

Marketing

Name
prism_*
Expiration
2 years
Function
Store and track interaction

Google Fonts

Marketing

Usage

We use Google Fonts for display of webfonts. Read more

Sharing data

For more information, please read the Google Fonts Privacy Statement.

Marketing

Name
Google Fonts API
Expiration
expires immediately
Function
Read user IP address

Facebook

Marketing, Functional

Usage

We use Facebook for display of recent social posts and/or social share buttons. Read more

Sharing data

For more information, please read the Facebook Privacy Statement.

Marketing

Name
_fbc
Expiration
2 years
Function
Store last visit
Name
fbm*
Expiration
1 year
Function
Store account details
Name
xs
Expiration
3 months
Function
Store a unique session ID
Name
fr
Expiration
3 months
Function
Provide ad delivery or retargeting
Name
act
Expiration
90 days
Function
Store logged in users
Name
_fbp
Expiration
3 months
Function
Store and track visits across websites
Name
datr
Expiration
2 years
Function
Provide fraud prevention
Name
c_user
Expiration
30 days
Function
Store a unique user ID
Name
sb
Expiration
2 years
Function
Store browser details
Name
*_fbm_
Expiration
1 year
Function
Store account details

Functional

Name
wd
Expiration
1 week
Function
Read screen resolution
Name
csm
Expiration
90 days
Function
Provide fraud prevention
Name
actppresence
Expiration
session
Function
Store and track if the browser tab is active

CloudFlare

Functional

Usage

Sharing data

This data is not shared with third parties.

Functional

Name
__cf_bm
Expiration
30 minutes
Function
Read and filter requests from bots on .onesignal.com

Miscellaneous

Purpose pending investigation

Usage

Sharing data

Sharing of data is pending investigation

Purpose pending investigation

Name
os_pageViews
Expiration
Function
Name
chatbotParams
Expiration
Function
Name
__lsv__
Expiration
Function
Name
bafp
Expiration
Function
Name
sessionID
Expiration
Function
Name
bafpCS
Expiration
Function
Name
_uetmsclkid_exp
Expiration
Function
Name
mwai-admin-chatbotId
Expiration
Function
Name
embeddingsEnvs
Expiration
Function
Name
goog:cached:topics
Expiration
Function
Name
bfp_sn_*
Expiration
Function
Name
_mfuuid_
Expiration
Function
Name
__gsas
Expiration
Function
Name
acip
Expiration
Function
Name
__gads
Expiration
Function
Name
FCCDCF
Expiration
Function
Name
FCNEC
Expiration
Function
Name
bfpImpressionBinder
Expiration
Function
Name
session_depth
Expiration
Function
Name
tracking202subid
Expiration
Function
Name
tracking202pci
Expiration
Function
Name
MUID
Expiration
Function
.bing.com
Name
test_cookie
Expiration
Function
.doubleclick.net
Name
__eoi
Expiration
Function
Name
_gcl_aw
Expiration
Function
Name
_gac_UA-101514484-6
Expiration
Function
Name
A3
Expiration
Function
.yahoo.com
Name
_clsk
Expiration
Function
Name
_cltk
Expiration
Function
Name
_clck
Expiration
Function
Name
CLID
Expiration
Function
www.clarity.ms
Name
MR
Expiration
Function
.c.bing.com
Name
SRM_B
Expiration
Function
.c.bing.com
Name
SM
Expiration
Function
.c.clarity.ms
Name
ANONCHK
Expiration
Function
.c.clarity.ms
Name
MSPTC
Expiration
Function
.bing.com
Name
environmentCategories
Expiration
Function
Name
hsoffset_wp-comments_
Expiration
Function
Name
monthlyUsageCategories
Expiration
Function
Name
chatbotParams-9
Expiration
Function
Name
monthlyUsageCategories-2
Expiration
Function
Name
chatbotParams-7
Expiration
Function
Name
chatbotParams-5
Expiration
Function
Name
chatbotParams-8
Expiration
Function
Name
_gcl_gs
Expiration
Function
Name
monthlyUsageCategories-1
Expiration
Function
Name
monthlyUsageCategories-5
Expiration
Function
Name
chatbotParams-4
Expiration
Function
Name
environmentCategories-3
Expiration
Function
Name
environmentCategories-4
Expiration
Function
Name
hsoffset_lender_5fc9c5e1a9b97
Expiration
Function
Name
chatbotParams-0
Expiration
Function
Name
monthlyUsageCategories-0
Expiration
Function
Name
monthlyUsageCategories-3
Expiration
Function
Name
chatbotParams-1
Expiration
Function
Name
chatbotParams-6
Expiration
Function
Name
monthlyUsageCategories-4
Expiration
Function
Name
chatbotParams-3
Expiration
Function
Name
cc
Expiration
Function
Name
_gcl_ls
Expiration
Function
Name
adobeCleanFontAdded
Expiration
Function

4. Browser and Device based Consent

When you visit our website for the first time, we will show you a pop-up with an explanation about cookies. You do have the right to opt-out and to object against the further use of non-functional cookies.

4.1 Manage your opt-out preferences

You have loaded the Cookie Policy without javascript support. On AMP, you can use the manage consent button on the bottom of the page.

5. Enabling/disabling and deleting cookies

You can use your internet browser to automatically or manually delete cookies. You can also specify that certain cookies may not be placed. Another option is to change the settings of your internet browser so that you receive a message each time a cookie is placed. For more information about these options, please refer to the instructions in the Help section of your browser.

Please note that our website may not work properly if all cookies are disabled. If you do delete the cookies in your browser, they will be placed again after your consent when you visit our website again.

6. Your rights with respect to personal data

You have the following rights with respect to your personal data:

  • you may submit a request for access to the data we process about you;
  • you may object to the processing;
  • you may request an overview, in a commonly used format, of the data we process about you;
  • you may request correction or deletion of the data if it is incorrect or not or no longer relevant, or to ask to restrict the processing of the data.

To exercise these rights, please contact us. Please refer to the contact details at the bottom of this Cookie Policy. If you have a complaint about how we handle your data, we would like to hear from you.

For more information about your rights with respect to personal data, please refer to our Privacy Statement

7. Contact details

For questions and/or comments about our Cookie Policy and this statement, please contact us by using the following contact details:

LeadDemand
3350 Shelby St Suite 200 #1015 Ontario, CA 91764
United States
Website: https://essentialoan.com
Email: privacy@ex.comessentialoan.com
Phone number: 909-660-5151

This Cookie Policy was synchronized with cookiedatabase.org on May 3, 2025.

Top Loan Types

  • Auto
  • Debt Consolidation
  • General Purpose
  • Home Improvement
  • Household Expense
  • Moving Relocation
  • Rent Help
  • Special Purpose
  • Vacation

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  • LifeLoans
  • Personal Loans 365
  • NextDayPersonalLoan.com

Featured Lenders

  • Dave
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  • 100Lenders

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  • Personal Loans 365
  • Pick A Lender
  • Upgrade

Company

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Office Location : Attn: LeadDemand.com - 3350 Shelby St Suite 200 #1015 Ontario, CA 91764    Contact Us : support@essentialoan.com    Phone Support    Customer Service


Loan Terms : The APR on a loan from our network of lenders and lending partners varies, with many providers offering rates from 4.79% to 35.99% and loan durations between 90 days and 72 months. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender or lending partner and accept their loan agreement.

APR Disclosure : The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. By law, the lending partner and partner must show you the APR before you enter into the loan. States have laws limiting the APR that the lending partner or partner can charge you. Rates will vary based on your credit, loan size and whether collateral is provided, with the lowest rates available to customers with good credit on larger, secured loans. Minimum and maximum loan amounts and APR may vary according to state law and lending partner or partners. We recommend you read the lending partner’s and partner’s personal terms and conditions in full before proceeding for a loan.


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About Our Ratings

We are not a lender. Instead, we partner with lenders that are willing to provide our audience with loan products. We have no control over rates, fees, and other terms and conditions. This is determined by your lender, based on a variety of factors. We never make loan offers and we don’t broker online loans. Also, we don’t make credit decisions. This website will submit the information provided by you to partner lenders. However, this does not guarantee that you will receive approval for any type of loan. The operator of this website is not a broker, agent, or representative of any lender.

Advertiser Disclosure

We have agreements with our lending partners that allow us to receive compensation when someone applies or gets endorsed for a loan, credit card, or any other type of financial product throughout our website. Even with this agreement in place, all of the provided information is accurate, to the best of our knowledge, and provided in a neutral manner. Compensation may impact the products we review and survey, as well as their position on our website. We strive to provide a comprehensive guide to our users, but realize that our website does not include every product from every financial institution.