Advertising & Marketing Disclosures

Effective Date: 7/29/2026

At Yrefy, LLC (“Company,” “we,” “our,” or “us”), we are committed to providing accurate, transparent, and compliant advertising. This page explains important information about our marketing practices, loan products, and the information you should consider before applying.

Private Student Loan Refinancing Only

Yrefy offers refinancing for eligible private student loans only.

Federal student loans are not eligible for refinancing through Yrefy. Borrowers with federal student loans should carefully review the benefits available through the federal student loan program before considering any refinancing options.

Loan Approval

Submitting an inquiry or application does not guarantee approval.

All loan approvals are subject to:

Underwriting review
Verification of applicant information
Eligibility requirements
Applicable state lending laws
Other program requirements established by Yrefy

Eligibility requirements may change without notice.

Interest Rates and Loan Terms

Any advertised interest rates, annual percentage rates (APR), payment examples, or repayment terms are provided for illustrative purposes unless otherwise stated.

Actual loan terms depend on a variety of factors, including but not limited to:

Creditworthiness
Income
Existing loan information
Repayment term selected
Underwriting results
Other eligibility criteria

Not all applicants will qualify for the lowest advertised rate.

Payment Examples

Any payment examples presented in our advertising are estimates only.

Actual monthly payments will vary based on:

Loan amount
Approved interest rate
Repayment term
Other underwriting factors

Lower monthly payments may result in a longer repayment period and could increase the total amount repaid over the life of the loan.

Savings Claims

Any statements regarding savings represent potential outcomes only.

Actual savings vary by borrower and may depend on:

Existing loan terms
Approved refinance terms
Interest rate
Repayment schedule

Savings are not guaranteed.

Loan Settlement Process

If applicable, Yrefy may negotiate with current loan holders or collection agencies as part of the refinancing process.

Settlement outcomes are not guaranteed and depend upon the willingness of current creditors to negotiate as well as individual borrower circumstances.

Testimonials

Customer testimonials reflect the experiences of individual customers.

Individual results will vary.

Testimonials are not intended to guarantee that any future customer will achieve the same results.

If a testimonial was provided in exchange for compensation or other consideration, that relationship will be disclosed in accordance with applicable laws.

Affiliate Relationships

Yrefy works with independent advertising partners, publishers, lead generators, comparison websites, and other marketing affiliates.

These partners may receive compensation when consumers:

Click on advertisements
Submit an inquiry
Complete an application
Become an approved customer

Compensation does not influence our underwriting decisions or loan approval process.

Advertising partners are independent businesses and do not act as employees or agents of Yrefy unless expressly stated.

Third-Party Websites

Advertisements for Yrefy may appear on websites that we do not own or control.

We are not responsible for:

Third-party website content
Privacy practices
Products or services offered by third parties
Statements made by independent publishers that are inconsistent with our approved marketing materials

Credit Inquiries

Yrefy may obtain consumer credit information during the application process.

Yrefy will indicate when a hard credit inquiry may occur.

Checking preliminary eligibility may or may not affect your credit score depending on the specific application process.

Availability

Our loan products are not available in every state.

Availability is subject to state licensing requirements and applicable laws.

Current lending states may change without notice.

Licensing

Yrefy operates under the following legal entity:

Legal Entity: Yrefy SLP5, LLC

NMLS ID (if applicable): 2542605

Equal Opportunity

Yrefy evaluates applications in accordance with applicable federal and state laws.

We do not discriminate on the basis of any characteristic protected by law.

Accuracy of Information

While we strive to keep all advertising current and accurate, product availability, eligibility requirements, rates, fees, and loan terms may change without prior notice.

In the event of any conflict between advertising materials and your loan agreement, the executed loan agreement governs.

Contact Information

Yrefy, LLC

Address: 18500 N Allied Way, Phoenix, AZ 85054

Phone: (866) 816-7649

Email: support@yrefy.com

Website: https://yrefy.com/

Questions regarding these disclosures may be directed to Yrefy.