Acceptance of These Terms
By using this website or submitting a loan request, you agree to these terms of use, so please read them carefully and stop using the site if you do not agree.
These terms form a binding agreement between you and the company that operates this website. They apply to every page, tool, guide and form on the site. Our privacy policy is part of these terms and explains how we handle personal information. Lenders you may connect with have their own terms and agreements, which govern any loan you accept.
Eligibility to Use the Site
You may submit a loan request only if you are at least 18 years old, a legal U.S. resident, and able to form a binding contract under the laws of your state.
Some lenders set higher age limits or require a valid bank account, a steady source of income, or residence in a state where they are licensed. Meeting our basic eligibility rules does not mean any lender will make you an offer. You may not submit a request on behalf of another person without that person's legal authority.
Nature of Our Service
Our service is a free loan-request platform that passes your information to participating lenders and partners, and we do not lend money, make credit decisions or broker loans.
Lenders in our network decide on their own whether to make an offer and set all loan terms, including the amount, APR, fees and repayment schedule. We cannot promise that you will receive an offer, that an offer will meet your needs, or that funds will arrive by a specific time. Content on this website, including guides, calculators and payment examples, is for general information only and is not financial, legal or tax advice. Read our advertiser and lending disclosure to learn how we are compensated.
No Lender Relationship With Us
Any loan you accept is a contract solely between you and the lender, and we are not a party to it or responsible for the lender's actions.
Questions about loan pricing, payments, collections or account servicing must be directed to the lender. We do not control and are not responsible for a lender's decisions, disclosures, conduct or compliance with law. You should review each lender's loan agreement and privacy notice before signing.
Accuracy of Information You Submit
You agree to provide true, accurate, current and complete information on the request form and to update it if anything changes before a loan is funded.
Providing false or misleading information may result in a declined request, cancellation of an offer, or legal consequences. You authorize us and participating lenders and partners to verify the information you submit, including by obtaining reports from consumer reporting agencies and checking identity, income and bank account details.
Consent to Be Contacted
By submitting a request, you agree that we, participating lenders and partners may contact you by phone, text message and email at the numbers and addresses you provide.
Where you give express written consent on the request form, these contacts may include calls and texts made using automated dialing technology or prerecorded or artificial voice messages, including to a mobile number. Consent is not a condition of receiving a loan. Message and data rates may apply. You may revoke consent at any time by replying STOP to a text, asking a caller to stop calling, using an unsubscribe link, or contacting us. You agree to tell us if a phone number you provided is reassigned or no longer yours.
Prohibited Uses
You may not use this website for any unlawful, fraudulent or harmful purpose, or in any way that interferes with its operation or other visitors' use.
- Submitting false information or requests in another person's name.
- Scraping, copying or harvesting content or data with automated tools without permission.
- Attempting to gain unauthorized access to our systems or other users' information.
- Uploading malware or code designed to disrupt or damage the site.
- Using the site to send spam or to impersonate us or any lender.
Intellectual Property
All content on this website, including text, graphics, logos, design, calculators and software, is owned by us or our licensors and protected by U.S. intellectual property laws.
You may view and print pages for your personal, non-commercial use. You may not copy, modify, distribute, sell or create derivative works from any part of the site without our prior written permission.
Disclaimers
Our website and service are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, to the fullest extent allowed by law.
We disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the site will be uninterrupted, error-free or secure, or that information on it is complete or current. Rates, terms and examples shown are estimates and may differ from actual offers.
Limitation of Liability
To the fullest extent allowed by law, we are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of the site or any lender's actions.
Our total liability for any claim related to this website or our service will not exceed one hundred dollars. Some states do not allow certain limitations of liability, so parts of this section may not apply to you.
Governing Law
The laws of the State of Connecticut and applicable federal law govern these terms, without regard to conflict-of-law rules.
Any loan you accept is governed by the law stated in that lender's loan agreement.
Dispute Resolution
Before filing any formal claim, you agree to contact us first and try in good faith to resolve the dispute informally for at least 30 days.
If a dispute is not resolved informally, it will be handled in the state or federal courts located in Connecticut, unless applicable law requires otherwise, and either party may bring an eligible individual claim in small claims court. Nothing in these terms limits your right to file a complaint with the Consumer Financial Protection Bureau or a state regulator.
Changes to These Terms
We may update these terms from time to time, and changes take effect when posted on this page, so please review the terms each time you use the site.
Your continued use of the website after changes are posted means you accept the updated terms.
Contact Us About These Terms
Questions about these terms can be sent to our support team using the email address, phone number or mailing address shown on this page.
Our contact page lists support hours and what details to include in your message.
