Terms of Use

Eligibility to use the Service

You may use the Service only if you are at least 18 years old (or the age of majority where you live, if higher), a resident of the United States, and legally able to enter into a binding contract.

You may submit a loan request only for yourself, using your own identity and accounts. Submitting a request on behalf of someone else, or using another person's information, is not permitted. Lenders apply their own eligibility standards, which may be stricter than ours, and meeting our eligibility requirements does not mean any lender will approve you.

Our role: we are not a lender

The Service is a free loan-request and matching platform; we are not a lender, loan broker or financial advisor. Approving applicants, funding loans and servicing accounts are all handled by lenders.

When you submit a request, we forward it to third-party lenders and lending partners that may be able to make you an offer. Each lender independently decides whether to make an offer and sets its own rates, fees, terms and conditions. We do not endorse any particular lender or recommend any specific loan product, and we are not an agent of any lender or of you. Nothing on the website is legal, tax or financial advice; consider speaking with a qualified professional about your circumstances.

We are paid by lenders and partners, as described in our advertiser and lending disclosure. Using the Service is free to you.

Your consent to share information and be contacted

By submitting a request, you authorize us to share the information you provide with lenders, lending partners and service providers, and you agree that they and we may contact you about your request.

You also authorize those lenders and partners to obtain your credit report and other information from consumer reporting agencies and data sources to verify your identity and evaluate your request, to the extent the Fair Credit Reporting Act and other applicable laws allow.

Where you give separate express consent on the request form, you agree to receive calls and text messages, which may be placed using automated dialing systems or artificial or prerecorded voices, at the number you provide. That consent is not required to use the Service or to obtain a loan, and you can revoke it at any time by replying STOP to a text, asking a caller to stop, or contacting us. Message and data rates may apply. You agree to tell us promptly if your phone number changes or is reassigned.

Accuracy of the information you provide

You agree that all information you submit is true, complete and current, and that you will not misrepresent your identity, income, employment or any other detail on a request.

Lenders rely on what you submit to make decisions. Providing false or misleading information may result in a declined request, cancellation of a loan, and in some cases civil or criminal liability. If information you have submitted changes before a lender funds a loan, you should inform that lender directly.

No promise of offers, approval or terms

Submitting a request does not mean you will be matched with a lender, receive an offer, be approved, or obtain any particular amount, rate or term; those outcomes depend entirely on lenders.

Any figures on the website, including the APR range of about 5.99% to 35.99%, terms of about 3 to 36 months, sample payments and calculators, are estimates for illustration only. Actual terms are set by the lender and disclosed before you sign. Not every lender serves every state, and loan availability may change without notice. Funding times depend on the lender and your bank, and funds may not arrive as quickly as you hope.

Your relationship with the lender

Any loan you accept is an agreement solely between you and the lender, and that lender, not us, is responsible for the loan's terms, disclosures, funding, servicing, collection and customer service.

Read every loan agreement carefully before signing, including the APR, finance charge, payment schedule, fees and any prepayment terms. Direct questions or disputes about a loan to the lender that made it. We are not a party to your loan agreement and are not responsible for a lender's acts, omissions, policies or compliance with the law. If you have concerns about a lender, you may file a complaint with the Consumer Financial Protection Bureau or with the agency that licenses lenders in your state.

Prohibited uses

You agree to use the Service only for lawful purposes and only to request a loan for yourself, and you may not misuse, disrupt or attempt to gain unauthorized access to the website or its data.

Without limiting that rule, you may not:

• submit false information or use another person's identity;
• use bots, scrapers or automated tools to access, copy or submit content on the website;
• introduce viruses, malicious code or anything that could damage or overload our systems;
• attempt to probe, scan or test the security of the website or bypass any access controls;
• use the Service to harass, defraud or collect information about other users;
• resell, frame or commercially exploit the Service without our written permission;
• impersonate us, a lender or any other person or organization.

We may suspend or block access for anyone who violates these Terms and may report suspected fraud to law enforcement.

Intellectual property

The website and its content, including text, guides, graphics, logos, design, software and the selection and arrangement of material, belong to us or our licensors and are protected by U.S. copyright, trademark and other laws.

We grant you a limited, revocable, non-exclusive license to view the website and print or save pages for your own personal, non-commercial use. You may not copy, reproduce, modify, distribute, publicly display or create derivative works from our content without our prior written consent. Third-party names and marks that appear on the site belong to their respective owners.

Disclaimers

The Service and all website content 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 implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not warrant that the website will be uninterrupted, timely, secure or error-free, that content is complete or current, or that any lender will meet your needs. Educational content is general information and may not reflect your situation or the latest changes in law or lending practices. Some states do not allow certain warranty exclusions, so parts of this section may not apply to you.

Limitation of liability

To the extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of the Service, and our total liability is limited to one hundred dollars.

This limit applies to claims of any kind, including those related to a lender's decision, a loan's terms, delays in funding, unauthorized access to data, or reliance on website content, even if we were told such damages were possible. Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limits may not fully apply to you.

You agree to indemnify and hold us harmless from claims, losses and expenses, including reasonable attorneys' fees, that result from your violation of these Terms or your misuse of the Service.

Governing law and disputes

Ohio law and applicable federal law govern these Terms without regard to conflict-of-law rules, and disputes will be resolved in the state or federal courts located in Franklin County, Ohio.

Before filing any claim, you agree to contact us first and give us 30 days to try to resolve the issue informally. Your notice should describe the problem, the relief you want and how we can reach you. Most concerns about the website can be settled through a simple conversation with our support team, and we would rather fix a problem quickly than argue about it. You and we consent to the personal jurisdiction of the courts named above. If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of our right to do so later.

Changes to these Terms

We may revise these Terms at any time by posting an updated version on this page, and your continued use of the Service after a change takes effect means you accept the revised Terms.

A material revision will be announced with a notice on the website alongside the updated Terms. Changes do not apply retroactively to a request you submitted before they took effect. We may also modify, suspend or discontinue any part of the Service at any time.

Contact information

If you have a question about these Terms, write, email or call us; our team typically responds by the end of the next business day.

• Email: [email protected]
• Phone: (888) 874-7736
• Mail: 2320 Hawthorn Boulevard, Suite 181, Attn: Legal Department, Columbus, OH 43215

Our contact page lists support hours and explains which questions a lender should answer instead.