These terms of use form a binding agreement between you and the operator of this website ("we," "us," or "our") and govern your access to our website and our free loan-request connector service. Please read them carefully. They include important limits on our liability, your consent to be contacted, and the law that governs any dispute.
Our privacy policy and advertiser disclosure are part of these terms by reference.
Acceptance of These Terms
By visiting our website or submitting a loan request, you agree to these terms of use; if you do not agree with any part of them, you must stop using the website and not submit a request.
You confirm that you have the legal capacity to enter a binding agreement. If you use the website on behalf of another person, you confirm that you have authority to accept these terms for that person, although requests must generally be submitted by the individual seeking the loan. Additional terms may apply to particular features, and those terms are added to these terms when you use the feature.
Description of Our Service
We provide a free online service that collects loan requests for amounts from $500 to $5,000 and shares them with third-party lenders and partners that may offer you credit or related products.
Our service is limited to transmitting your request and, where available, presenting offers or redirecting you to a lender's website. We do not charge you any fee. We are compensated by lenders and partners, as explained in our advertiser disclosure. We may change, suspend, or discontinue any part of the service at any time without notice. Educational content on the website, including calculators and guides, is general information, not financial, legal, or tax advice.
Eligibility to Use the Website
To submit a loan request, you must be a U.S. resident, at least 18 years old or the age of majority in your state, and able to provide a valid email address, phone number, and identification details.
Lenders set their own additional requirements, which commonly include a minimum income, a checking account in your name, and a residence in a state where the lender operates. Meeting our eligibility requirements does not mean any lender will consider or approve your request. We may refuse service to anyone, at our discretion, including where we suspect fraud or misuse.
No Lender Relationship
We are not a lender, broker, or financial advisor, and no lending, agency, or fiduciary relationship is created between you and us when you use our website or submit a request.
We do not make credit decisions, influence a lender's underwriting, or set any rate, fee, or term. We do not promise that you will be matched, approved, or offered a particular amount or rate. If a lender makes you an offer, any loan agreement is solely between you and that lender, and the lender is responsible for its disclosures, its compliance with lending laws, and the servicing of your loan. Questions about payments, balances, or collections must be directed to the lender. Lenders may perform soft or hard credit checks as described in their own terms.
Your Obligations and Accurate Information
You agree to provide true, current, and complete information on every request, to submit requests only for yourself, and to use the website only for lawful purposes.
Specifically, you agree not to:
- Submit false, misleading, or someone else's information
- Use the website to commit fraud or identity theft
- Access the website with bots, scrapers, or automated tools without our written permission
- Interfere with the security or operation of the website, or attempt to access systems you are not authorized to use
- Copy, resell, or commercially exploit our service or content
Providing inaccurate information may cause lenders to decline your request and may violate federal and state law. You authorize us, lenders, and partners to verify the information you submit, including through consumer reporting agencies, identity verification services, and bank account verification services.
Consent to Be Contacted
By submitting a request, you agree that we, lenders, and partners in our network may contact you by phone, text message, and email at the contact details you provide about your request and related offers.
Where you give separate express written consent on the request form, calls and texts may be made using automated technology or prerecorded messages. That consent is not a condition of receiving a loan or using our service. Message and data rates may apply, and message frequency varies. You may revoke consent at any time by replying STOP to a text, using an email unsubscribe link, or contacting us. Revoking consent with us does not revoke consent you gave directly to a lender or partner; contact them separately. You confirm that you are the subscriber or customary user of each phone number you provide.
Intellectual Property
All content on our website, including text, graphics, logos, design, calculators, and software, belongs to us or our licensors and is protected by U.S. copyright, trademark, and other intellectual property laws.
We grant you a limited, revocable, non-exclusive, non-transferable license to view and use the website for your personal, non-commercial purpose of learning about and requesting a loan. You may not reproduce, modify, distribute, or create derivative works from our content without our prior written permission. Third-party names and marks that appear on the site belong to their respective owners.
Third-Party Websites and Offers
Our website may send you to lender or partner websites that we do not control, and your use of those websites is governed by their own terms and privacy policies, not ours.
We are not responsible for the content, accuracy, products, services, or practices of any third party, including any lender's decision to approve or decline your request or the terms of any loan you accept. Review each third party's terms before providing information or signing an agreement.
Disclaimers
Our website and service are provided "as is" and "as available," without warranties of any kind, whether express or implied, to the fullest extent permitted by law.
We disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or secure, or that any information, rate example, or calculator result is accurate or complete for your circumstances. APRs, payment estimates, and funding times on our site are illustrative estimates only. Some states do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.
Limitation of Liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website, our service, or any loan offered by a lender.
This limitation covers lost profits, lost data, credit score changes, and damages resulting from a lender's or partner's actions or omissions, even if we were advised of the possibility of such damages. Our total liability for any claim relating to the website or service will not exceed one hundred U.S. dollars. Some states do not allow certain limitations of liability, so parts of this section may not apply to you.
Indemnification
You agree to defend, indemnify, and hold harmless us and our officers, employees, and agents from claims, losses, and expenses, including reasonable attorneys' fees, arising from your breach of these terms or misuse of the website.
This obligation includes claims arising from false information you submit, your violation of any law or third-party right, and any request you submit using another person's identity. We may assume the exclusive defense of any matter subject to indemnification, and you agree to cooperate with that defense.
Governing Law and Disputes
The laws of the Commonwealth of Virginia govern these terms, without regard to its conflict-of-law rules, together with applicable federal law of the United States.
Before filing any claim, you agree to contact us and try to resolve the dispute informally for at least thirty days. Any claim that cannot be resolved informally must be brought in the state or federal courts located in the City of Richmond, Virginia, and you consent to the personal jurisdiction of those courts. Either party may bring a qualifying claim in small claims court. To the extent permitted by law, claims must be brought individually, not as a plaintiff or class member in a class or representative action.
Changes to These Terms
We may revise these terms at any time by posting an updated version on this page, and changes take effect when posted unless a later effective point is stated.
Your continued use of the website after changes are posted means you accept the revised terms. If any provision is found unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of our right to enforce it later. These terms, with our privacy policy and advertiser disclosure, are the entire agreement between you and us about the website.
Contact Information
Questions about these terms can be sent to our support team by phone at (888) 945-4689 or by mail to 4470 Willow Road, Suite 225, Richmond, VA 23219.
You can also email the support address shown on our contact page. For questions about how your information is handled, see our privacy policy.
