Is Charter Funding Legit? How to Verify Us Yourself

Our Legal Entity and Contact Information

Charter Funding is operated by United Funding Systems LLC. You can verify our identity and reach us directly using the information below — it matches what's listed in our site footer and on our Contact page.

You can look up any company's NMLS ID on NMLS Consumer Access (nmlsconsumeraccess.org), a free public tool for verifying licensing and registration information for companies in the lending industry.

Is Charter Funding a Scam?

No. Legitimate loan marketplaces and scams differ in specific, checkable ways. A scam typically demands an upfront fee before you can "unlock" your loan, guarantees approval regardless of your credit history, pressures you to pay via wire transfer or gift cards, or contacts you out of the blue demanding immediate payment.

Charter Funding's process doesn't work that way: checking your rate is free and uses a soft credit pull that doesn't affect your credit score, offers come from a network of lending partners who each set their own terms, and you're never charged a fee just to see what you might qualify for.

What Charter Funding Actually Does

Charter Funding connects borrowers with lending partners — we don't ourselves make personal loan, underwriting, or credit decisions, and we're not an agent, representative, or broker of any individual lender. Your actual loan terms are agreed upon directly between you and the lending partner whose offer you accept.

We're compensated by the lending partners in our network, which is standard for loan marketplaces and comparison services. Full details on how that works and what it means for the offers you see are covered on our advertiser disclosure page.

How We Protect Your Information

Checking your rate uses a soft credit inquiry, which is visible only to you and does not affect your credit score. A lending partner may perform a hard inquiry only if you choose to move forward with a full application.

The information you provide is shared with lending partners and relevant third parties strictly to process your request — the full details are in our disclosures on every page of this site.

How to Verify Any Online Lender or Loan Marketplace

These same checks work for evaluating any company in this space, not just us:

• Look up the company's NMLS ID on NMLS Consumer Access (nmlsconsumeraccess.org).
• Confirm a real physical address and a phone number that connects you to an actual person.
• Never pay an upfront fee to "unlock" or guarantee a loan offer — legitimate lenders and marketplaces don't charge you just to check your rate.
• Check that the site uses HTTPS and has a real, specific privacy policy — not a generic placeholder.
• Search the company name alongside "complaints" or "reviews," and check their Better Business Bureau profile if one exists.