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2 months free vs Monthly. Best value for serious MLO candidates.
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| Feature | Free | Monthly | Yearly | Lifetime |
|---|---|---|---|---|
| MLO practice questions | Limited | 1,200+ | 1,200+ | 1,200+ |
| Theory guides (14 chapters) | Chapter 1 | All | All | All |
| 120-question exam simulations | — | ✓ | ✓ | ✓ |
| Unlimited practice exams | — | ✓ | ✓ | ✓ |
| AI Tutor | 50 msgs | Unlimited | Unlimited | Unlimited |
| Law-referenced explanations | Basic | Full | Full | Full |
| Progress tracking | Basic | Full | Full | Full |
| Priority support | — | ✓ | ✓ | ✓ |
| Future updates | — | While subscribed | While subscribed | ✓ |
Yes. You can upgrade from Free to Monthly, Yearly, or Lifetime at any time. If you are on Monthly or Yearly and decide you want Lifetime, you can upgrade and only pay the difference. Your progress and data are preserved across all plan changes.
The Free plan is our trial. You can use it indefinitely with access to the first chapter of the exam and basic features. When you are ready for full access, upgrade to Monthly, Yearly, or Lifetime. No credit card is required to start with the Free plan.
We accept all major credit cards (Visa, Mastercard, American Express) and debit cards. All payments are processed securely through our payment provider. Your card information is never stored on our servers.
Yes. If you are not satisfied with MLOPractice, contact us within 14 days of your purchase for a full refund. We stand behind our platform and want you to be confident in your investment.
Yes. The Lifetime plan includes all current content and all future updates. As we add new questions, features, and theory chapters, your Lifetime access covers everything. This is the best value for candidates who plan to study over an extended period.
The NMLS test content outline and study guides published on the NMLS website are free and useful, but they do not include a large question bank, chapter-by-chapter theory guides, or timed practice in the real test format. MLOPractice gives you 1,200+ practice questions, complete theory guides for all 14 chapters, an AI tutor, and realistic 120-question exam simulations — with explanations that cite the actual federal laws and regulations (RESPA, TILA/Regulation Z, TRID, ECOA, FCRA, SAFE Act) behind every answer.
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