Terms of Service

These Terms of Service govern your use of this website and the connecting service provided through it. By accessing the website or submitting a loan request, you agree to these Terms. If you do not agree with these Terms, you should not use this website.

Our Role

This website is not a lender, creditor, broker, financial institution, loan servicer, or agent of any lender. We do not make credit decisions, approve loan requests, set rates or fees, determine loan terms, fund loans, collect payments, or guarantee that any lender will offer or approve a loan.

This website provides a connecting service only. When you submit a loan request, your information may be shared with lenders, lending partners, lender networks, or service providers that may review your information and decide whether to present you with a loan offer or other financial service option.

Eligibility

By using this website, you confirm that you are at least 18 years old, are a legal resident of the United States, are using the service for personal and non-commercial purposes, are submitting information for yourself, and are providing true, accurate, current, and complete information.

The service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability may vary by lender and by state.

How the Service Works

To use the service, you may be asked to provide personal, contact, employment, banking, and financial information through a loan request form. By submitting your information, you authorize us to share that information with lenders, lending partners, lender networks, and service providers that may evaluate your request.

A lender or lending partner may verify your information, request additional documentation, perform identity checks, review credit-related information, or contact you directly. Requirements vary by lender. Some lenders may verify your credit or request additional information before making a decision.

If a lender or lending partner is interested in your request, you may be redirected to a third-party website or contacted by that third party. Once you interact with a lender or other third party, your relationship is governed by that party’s own terms, disclosures, privacy practices, rates, fees, and loan documents.

No Guarantee of Approval or Funding

Submitting a loan request does not guarantee that you will receive a loan offer, be approved by a lender, receive any specific loan amount, or receive funds by any specific time. Approval, loan amount, rates, fees, repayment terms, funding timing, and other conditions depend on the lender, your state of residence, and your individual circumstances.

Loan amounts may range from $200 to $5,000, depending on the lender, state availability, and the borrower’s circumstances. Not all lenders offer all amounts.

Rates, Fees, and Responsible Borrowing

Short-term loans, including payday loans, can be expensive financial products and should be used responsibly. Before accepting any loan offer, carefully review the lender’s full terms and conditions, including rates, finance charges, fees, repayment schedule, late-payment consequences, renewal policies, and potential credit score impact.

Late or non-payment may result in additional fees, collection activity, and negative impact on your credit score. Renewal or rollover policies vary by lender and may involve additional costs. You should only accept a loan offer if you understand the terms and believe you can repay it as agreed.

Consent to Terms and Electronic Communications

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

You agree that notices, disclosures, consent forms, and other communications may be provided electronically, subject to applicable law and the consents you provide.

Communications and Marketing

By using the website and submitting your information, you may be contacted by us, lenders, lending partners, lender networks, or service providers by phone, email, text message, or other communication methods, subject to the consents you provide and applicable law.

You may opt out of certain marketing communications by following the unsubscribe or opt-out instructions provided in those communications. Opting out of marketing communications does not affect communications related to a loan request you submitted or a loan offer you choose to pursue.

Third-Party Services

This website may redirect you to or display information from third parties, including lenders, lending partners, lender networks, and service providers. We do not control, endorse, or guarantee any third-party product, service, offer, rate, fee, term, disclosure, or business practice.

We are not responsible for the actions or inactions of any lender, lending partner, service provider, or other third party. You should review all third-party terms, privacy practices, and disclosures before providing information to or entering into any agreement with a third party.

Prohibited Uses

You agree not to submit false or misleading information, submit a loan request on behalf of another person, use the website for unlawful or fraudulent purposes, interfere with website security or functionality, copy or scrape website content, misuse website data, transmit harmful code, or attempt to reverse engineer any part of the website.

Intellectual Property

All content on this website, including text, design, graphics, logos, icons, software, and other materials, is owned by us or our licensors and is protected by applicable intellectual property laws. You may use the website only for its intended purpose and may not copy, reproduce, distribute, modify, or exploit website content without prior written permission.

Disclaimer of Warranties

The website and connecting service are provided on an “as is” and “as available” basis. We do not warrant that the website will be uninterrupted, secure, error-free, or that any lender or third party will provide a loan offer or any particular terms.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Limitation of Liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost data, loss of privacy, or damages arising from your use of the website, your inability to use the website, or your interactions with any lender or third party.

We are not responsible for loan approvals, denials, rates, fees, repayment terms, funding timing, payment collection, credit reporting, collection activity, or any action or inaction by a lender or third party.

Indemnification

You agree to defend, indemnify, and hold harmless the website owner, affiliates, officers, employees, contractors, service providers, and agents from any claims, damages, losses, liabilities, costs, or expenses arising from your use of the website, your violation of these Terms, your submission of inaccurate information, or your violation of any law or third-party right.

Arbitration and Class Action Waiver

To the fullest extent permitted by law, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms, the website, or the connecting service will be resolved through final and binding arbitration on an individual basis, rather than in court.

You and we agree not to bring or participate in any class action, class arbitration, collective action, private attorney general action, or representative proceeding. This section does not prevent either party from bringing an individual claim in small claims court if permitted by applicable rules.

Changes to These Terms

We may update these Terms from time to time. Your continued use of the website after updated Terms are posted means you accept the updated Terms.

Governing Law

These Terms are governed by applicable laws, without regard to conflict of law principles, unless another law is required to apply. Any dispute not subject to arbitration will be handled in a court of competent jurisdiction as permitted by applicable law.

Severability

If any part of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision of these Terms does not waive our right to enforce that provision later.

Contact

If you have questions about these Terms, please contact the website owner using the contact information provided on the website.