About Us

We compare and explain short-term cash tools so borrowers can make informed decisions.

PennyFloat, operated by MD Media LLC and led by Minh Ho, is built to help people understand borrowing choices in plain language. We publish educational content and comparison tools to explain payments, total costs, and key terms.

Our goal is clarity, not pressure. We do not provide financial advice, and we encourage borrowers to read lender disclosures carefully before choosing any product.

All content is reviewed and updated periodically to reflect current market conditions and product changes.

What you can do here

• Explore personal loan options (debt consolidation, home repairs, emergencies, and more)
• Explore auto loan options (refinance, or finance a new/used car)

What PennyFloat is (and is not)

PennyFloat is an educational comparison website.

We are not a lender, and we do not make lending decisions. Final approval, APR, fees, and repayment terms come from the lender or provider you choose.

How It Works

1. Tell us what you need: Pick personal loan or auto loan and answer a few quick questions.
2. See your options: We will show offers and partners that may match your situation.
3. Finish with the partner: When you click an offer, you will go to the partner website to review details and apply.

Heads up: Rates and approvals depend on your credit, income, state, and the lender rules.

Lender Network

We work with a group of trusted partners, including lenders, lending platforms, and financial services, so you can compare options without starting from scratch.

• Some partners focus on personal loans
• Some focus on auto refinance or car purchase
• Some may offer other financial tools

Not every option is available everywhere. Offers can change by state and your personal profile.

Contact

Need help or have a question? We are here.

Privacy Policy

Effective Date: February 28, 2026

Last Updated: February 28, 2026

PennyFloat is a U.S.-based financial comparison website operated by MD Media LLC in Texas. We provide educational content and comparison tools related to cash advance apps, personal loans, and small business funding.

1) We Are Not a Lender

PennyFloat and MD Media LLC are not lenders, banks, credit unions, or financial institutions. We do not make loan offers, underwrite loans, make credit decisions, or set loan terms. We have no control over and are not responsible for lender underwriting decisions, rates, fees, terms, or funding timelines.

Data Controller

MD Media LLC is the data controller for personal information collected through this website.

2) Information We Collect

Information you may provide includes:

• Name
• Email address
• Requested loan amount
• Income type

We may also collect information automatically, including:

• IP address, browser type, and device details
• Pages viewed, links clicked, and referral sources
• Cookie identifiers and similar tracking data

3) How We Use Information

• Provide educational comparison content and site functionality
• Respond to requests and support questions
• Match submitted information with potential lending partners
• Analyze and improve website performance and content quality
• Help prevent fraud, abuse, and security incidents
• Comply with legal and regulatory obligations

4) Cookies and Tracking Technologies

We use cookies, pixels, and similar technologies for analytics, site operation, and marketing measurement.

Tools currently include:

• Google Analytics
• Meta Pixel

5) Affiliate Disclosure

Some links on our site are affiliate links. If you click a link and complete certain actions, we may receive compensation. This does not change our goal of providing clear educational comparisons.

6) Third-Party Sharing

We may share submitted information with third-party lending partners or financial service providers solely for the purpose of potential matching or referral opportunities.

We do not sell personal information for monetary consideration.

We may also share data with:

• Analytics and advertising providers
• Technology and hosting service providers
• Professional advisors and authorities when required by law

7) Data Protection

We use reasonable administrative, technical, and physical safeguards to protect your information. No method of internet transmission or storage is 100% secure, so absolute security cannot be guaranteed.

We retain personal information only as long as reasonably necessary for business, legal, or compliance purposes.

Children's Privacy

This website is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.

8) Your Privacy Rights

Depending on your state, you may have rights to:

• Request access to personal information we hold about you
• Request correction or deletion of personal information
• Opt out of certain data-sharing uses where applicable

Residents of certain states, including California, Virginia, Colorado, Connecticut, and others, may have additional rights under applicable state privacy laws.

Communications

We comply with the CAN-SPAM Act and provide unsubscribe options in marketing emails.

9) Communications (Email Only)

By submitting your email address through our website, you consent to receive communications from us related to financial tools, comparisons, and educational content. You may unsubscribe at any time using the unsubscribe link included in our emails.

We comply with the CAN-SPAM Act. All marketing emails include a clear unsubscribe option.

We do not engage in telemarketing and do not sell phone-based lead data.

10) Contact

For privacy questions or requests, contact us at: admin@pennyfloat.com

Content on this site is for informational purposes only and does not constitute financial advice.

11) Policy Updates

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

Terms of Service

By using PennyFloat, you agree to these basics:

• What PennyFloat does: We help you compare options and connect to third-party partners.
• No promises: We cannot promise approval, rates, or specific offers.
• Third-party partners: When you click out to a partner site, their terms and privacy policy apply. PennyFloat is not responsible for their products or decisions.
• Use the site fairly: Please do not misuse the site (spam, hacking, scraping, fraud).
• Limits: To the extent allowed by law, PennyFloat is not liable for losses related to your use of partner products or the site.
• Updates: We may update these terms by posting a new version on this page.

E-Consent

• By using PennyFloat and submitting information, you agree that notices and disclosures may be provided electronically.
• You can print or save anything you receive online.
• If you want paper copies, the lender/provider you apply with can provide them.
• You can stop using the site at any time.

Ad Disclosure

PennyFloat is free because we may earn money from advertising.

That means we might get paid when you:

• click a link
• submit a request
• or apply with a partner

This may affect which offers show up and how they are ordered. We still try to keep things simple and helpful.

APR Disclosure

APR (interest rate) and terms depend on the lender and your personal situation (credit, income, and state rules). PennyFloat does not set rates or approve loans.

PennyFloat is not a lender, loan broker, or agent for any lender or broker. We are an advertising referral service that connects users to participating lenders and financial service providers. Final approval and loan terms come from the provider you choose.