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About Riverstone
Small Loans, Explained Plainly and Honestly
Riverstone Lending App is a U.S. loan marketplace. We connect people who need $200 to $5,000 with lenders in our network, and we show the full cost of every offer before anyone signs. This page explains exactly how we work, how we get paid and how we protect your information.
Who we are
A Marketplace Built for the Moments Savings Can’t Cover
The Federal Reserve’s latest survey of household finances found that only 63% of U.S. adults would cover a $400 emergency expense with cash or its equivalent. When a car breaks down or a bill arrives early, many people turn to whatever credit is fastest, and that is often the most expensive.
Riverstone exists to make small-dollar borrowing clearer. We pass one request to lenders in our network, show each offer’s APR, fees, payment and term side by side, and publish the market data you need to judge whether an offer is fair. You decide whether to accept anything.
Riverstone was founded in [Founded year] and is based in [City, State].
Adults who could cover $400 with cash
63%
Federal Reserve SHED · published May 2026
How it works
What Happens After You Click “Apply Now”
Riverstone is the connection, not the lender. Here is each step and who is responsible for it.
You submit one request
Choose an amount from $200 to $5,000 and share basic details such as income, the purpose of the loan and your contact information.
We share it with lenders
Your request goes to lenders in our network that lend in your state. Each lender decides on its own whether to make an offer.
You compare offers
Offers show the APR, finance charge, monthly payment and term. Lenders are required to give you these disclosures before you sign.
The lender funds the loan
If you accept, you finish the application with that lender. The lender verifies your details, approves the loan and sends the funds.
✓What Riverstone does
- Collects your loan request and shares it with lenders in our network that may be able to help
- Shows offer details so you can compare APR, fees, payment and term on equal footing
- Publishes market rate data from the Federal Reserve, NCUA and credit bureaus, with sources
- Provides free calculators and guides on costs, credit and borrowing alternatives
- Tells you plainly that we may be paid by lenders
✕What Riverstone doesn’t do
- Make loans, approve applications or decide your rate
- Charge you any fee to submit a request or view offers
- Guarantee approval, a specific rate or a funding time
- Ask for upfront payments, gift cards or wire transfers
- Provide legal, tax or personalized financial advice
Advertiser disclosure
How We Make Money
Riverstone is free for borrowers. We earn money from the lenders in our network. A lender may pay us when you submit a request that is shared with it, when you accept its offer, or both. We never add a fee to your loan and we never ask you to pay us anything.
How this can affect what you see. Because lenders pay us, compensation may influence which lenders participate, whether a lender sees your request and the order in which offers appear. We do not show every lender or every loan product available in the market. An offer appearing first is not a recommendation that it is the best option for you.
What compensation never changes: the data, rate averages and calculator results we publish. Our editorial content is written without lender input, and lenders cannot pay to change what our guides say.
Compensation details: [Describe your fee model in one sentence, e.g. per-lead fee and/or per-funded-loan fee]
Our partners
Lender Network Standards
Every lender that receives requests through Riverstone agrees to the standards below. They exist so that the offers you see are lawful, fully disclosed and within the limits we publish.
Lenders must hold the state licenses or registrations needed to lend to you, or operate under a lawful exemption.
Offers shown through Riverstone stay at or below a 35.99% APR, our published maximum.
Lenders give the APR, finance charge, amount financed and total of payments required by the Truth in Lending Act.
No lender may ask you to pay anything to receive or “guarantee” a loan before it is funded.
Loans offered through Riverstone have terms of 3 to 36 months. We do not list single-payment payday loans.
Lenders must follow fair lending laws and protect the information we share with them.
Additional commitments to confirm with partners: [No prepayment penalties — confirm] [Soft credit check for initial offers — confirm] [Military Lending Act compliance for covered borrowers — confirm]
If a lender breaks these standards, tell us at [email protected]. You can also file a complaint with the CFPB or your state regulator.
Your information
Privacy & Security
To match you with lenders, we have to collect personal and financial information. Here is what we collect, who we share it with and what you can control.
| What we collect | Why | Who sees it |
|---|---|---|
| Name, address, date of birth | To identify you and confirm which lenders serve your state | Riverstone and lenders that receive your request |
| Phone and email | To deliver offers and service messages you request | Riverstone and lenders you are matched with |
| Income, employment, housing | So lenders can judge whether they can make an offer | Lenders that receive your request |
| Social Security number [confirm if collected] | Identity verification and credit checks by lenders | Lenders, and credit bureaus they use |
| Device and site usage data | Security, fraud prevention and improving the site | Riverstone and its service providers |
- We share only to serve your request. Information goes to lenders in our network and to service providers that help us operate. [State whether you sell or share data with any other third parties]
- You choose how we contact you. We call or text only with your consent, and you can reply STOP to any text or ask us to stop calling at any time.
- You can ask about your data. Email [email protected] to ask what we hold, request a correction or request deletion where the law allows.
- Financial privacy law applies. Under the Gramm-Leach-Bliley Act, financial companies must explain how they share personal financial information and protect it. Our full privacy notice is on the privacy policy page.
Security measures: [Describe encryption in transit and at rest, access controls and any independent audits or certifications you actually hold]
How we research
Editorial Standards
Our guides, rate tables and calculators are written to help you make a decision, not to push you toward a loan. These are the rules every page follows.
1. Primary sources first
Rates and statistics come from the organizations that produce them: the Federal Reserve Board (G.19 Consumer Credit and FOMC statements), the Federal Reserve Bank of New York, the Consumer Financial Protection Bureau, the Federal Trade Commission, the National Credit Union Administration, TransUnion and FICO. Each figure links to its source document and shows the date of the data.
2. Updated on the release calendar
We review rate pages after each Federal Reserve G.19 release and each FOMC rate decision, and we show the “last updated” date at the top of each page.
3. Separate from lender relationships
Lenders do not review, approve or pay for our editorial content. Business relationships do not change the averages we report or the conclusions in our guides.
4. Corrections in the open
If you find an error, email [email protected] with the page and the issue. We check every report against the source, fix confirmed errors and note the correction and date on the page.
5. Review process
[Describe your content review process: who writes, who fact-checks, whether AI tools assist with drafting and how humans verify the result]
The people behind Riverstone
Our Team
Add the real people who write, review and run Riverstone. Names, credentials and experience are among the strongest trust signals for a financial site.
[Title, e.g. Founder & CEO]
[Credentials and years of lending or consumer finance experience]
[Title, e.g. Head of Compliance]
[Licenses, certifications and regulatory background]
[Title, e.g. Editor or Financial Reviewer, CFP®]
[Editorial experience and areas of expertise]
Regulation
Laws That Apply to Loan Marketplaces
Consumer lending in the United States is regulated at the federal and state level. These are the main rules that shape how Riverstone and the lenders in our network operate.
| Law | What it does for you |
|---|---|
| Truth in Lending Act (Reg Z) | Requires lenders to disclose the APR, finance charge and total cost of credit before you are bound by the loan. |
| Equal Credit Opportunity Act (Reg B) | Prohibits credit discrimination based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance or exercising consumer credit rights. |
| Fair Credit Reporting Act | Limits who can pull your credit report and why, and gives you the right to dispute errors with the credit bureaus. |
| Gramm-Leach-Bliley Act | Requires financial companies to give privacy notices and safeguard customer information. |
| Telephone Consumer Protection Act | Requires prior express written consent for marketing calls and texts made with automated technology, and lets you revoke consent. |
| CAN-SPAM Act | Requires commercial emails to identify the sender, include a physical address and offer a working unsubscribe link. |
| Military Lending Act | Caps the Military Annual Percentage Rate at 36% for active-duty servicemembers and covered dependents. |
| FTC Act § 5 and CFPB UDAAP | Prohibit unfair, deceptive or abusive acts or practices in consumer finance, including misleading advertising. |
| State lending and broker laws | Set licensing requirements, rate limits and fees state by state. Licenses can be checked on NMLS Consumer Access. |
A note on phone consent: in January 2025 a federal appeals court vacated the FCC’s “one-to-one” consent rule for lead generators, and the FCC later removed that provision from its regulations. The existing requirement for prior express written consent still applies.
Riverstone licenses and registrations: [NMLS ID and state license numbers, if applicable]
This summary is general information, not legal advice. Laws change; consult the linked sources or a qualified attorney for your situation.
Independent help
Borrower Resources
These free, independent resources can help you check a lender, dispute a credit error or get advice on debt.
For problems with personal loans, payday loans, credit reports and debt collection.
consumerfinance.gov/complaint Report fraud to the FTCReport loan scams, advance-fee schemes and identity theft.
reportfraud.ftc.gov Check a lender’s licenseLook up a company’s state licenses and NMLS ID before you share information.
nmlsconsumeraccess.org Get your free credit reportsThe official site for free reports from Equifax, Experian and TransUnion.
annualcreditreport.com Talk to a nonprofit credit counselorThe National Foundation for Credit Counseling connects you with certified counselors in all 50 states.
nfcc.org · 800-388-2227 Military borrowersHow the Military Lending Act protects active-duty servicemembers and their families.
consumerfinance.govContact
Talk to Riverstone
Questions about a request, a lender or something on our site? Reach us here.
About Riverstone
Common Questions About Us
How the marketplace works, who pays us and what we do with your information.
View All FAQsIs Riverstone a lender?
No. Riverstone Lending App is a loan marketplace. Lenders in our network make every credit decision, set rates and terms, and fund the loans.
Does it cost anything to use Riverstone?
No. Submitting a request and viewing offers is free, and you are never obligated to accept an offer. Lenders may pay Riverstone when you submit a request or accept an offer.
Do lenders pay to rank higher?
Compensation may influence which lenders participate and the order in which offers appear. It never changes our published rate data, calculators or guides.
Who sees my information?
Lenders in our network that may be able to serve your request, and service providers that help us run the site. See the privacy section above and our privacy policy for details.
What is the most I can be charged?
Lenders in our network offer APRs up to 35.99%. Your actual APR depends on the lender, your credit, your income and your state. Every lender must disclose the APR before you sign.
How do I report a problem with a lender?
Email [email protected]. You can also submit a complaint to the CFPB at consumerfinance.gov/complaint or contact your state financial regulator.
Are you affiliated with other companies named Riverstone?
No. Riverstone Lending App is not affiliated with any lender, bank or company that uses a similar name.
Ready when you are
See What Lenders Can Offer You
Request $200 to $5,000 and compare the full cost of each offer. No obligation to accept.
Sources
- Federal Reserve, Economic Well-Being of U.S. Households (May 13, 2026)
- CFPB, Regulation Z (Truth in Lending)
- CFPB, Regulation B (Equal Credit Opportunity)
- FTC, Fair Credit Reporting Act
- FTC, Gramm-Leach-Bliley Act
- Morrison Foerster, Eleventh Circuit vacates FCC one-to-one consent rule (Jan 2025) · Goodwin, FCC final rule eliminating the requirement (Sep 2025)
- FTC, CAN-SPAM Act compliance guide
- CFPB, What is covered under the Military Lending Act?
- CFPB, UDAAP examination procedures · FTC, Follow the Lead workshop on lead generation
- NMLS Consumer Access