Terms of use

By accessing this website or submitting the request form, you agree to these terms and to our privacy policy. If you do not agree, please do not use the site.

"We," "us" and "our" refer to the operator of this website. "You" means any person who visits the site or uses the service. Our privacy policy and advertiser and lending disclosure are part of these terms. If any part of these terms conflicts with a loan agreement you sign with a lender, the lender's agreement governs the loan.

We provide a free online service that collects loan requests of $500 to $5,000 and passes them to lenders and partners that may be able to make an offer, along with educational guides and calculators.

The service lets you submit one request instead of applying separately with several lenders. Lenders in our network decide whether to contact you and what to offer. Guides, rate tables, calculators and examples on the site are for general information. Figures such as an APR range of about 6.99% to 35.99%, terms of roughly 6 to 36 months and origination fees of 0% to 10% at some lenders are estimates, not quotes. We may change, suspend or end any part of the service at any time without notice.

You must be at least 18 years old, a legal U.S. resident and able to form a binding contract to submit a request. Some states set a higher age of majority, and lenders set their own eligibility rules.

You may submit a request only for yourself, not on behalf of another person, unless you are legally authorized to act for them. Meeting these basic requirements does not mean any lender will make you an offer. Our eligibility guide explains the factors lenders typically review.

We are not a lender, broker acting on your behalf, financial adviser or agent of any lender. Submitting a request does not create a lending, advisory or fiduciary relationship between you and us.

Any loan you receive is a contract solely between you and the lender. The lender sets the rate, fees, term and repayment schedule, funds the loan and handles servicing, collections and customer support. We are not a party to that agreement and are not responsible for the lender's acts, omissions, terms or compliance with law.

We do not guarantee that you will receive any offer, that a lender will approve your application, or that any offer will include a particular amount, APR, term or funding time.

Lenders may decline a request for any lawful reason, may verify your information before finalizing terms, and may change a preliminary offer after verification. Funding timing, such as as soon as the next business day after approval, depends on the lender and your bank.

You agree to provide true, accurate, current and complete information on the request form, and you authorize us to share it with lenders and partners as described in our privacy policy.

Giving false information, such as overstating income or using another person's identity, may violate federal and state law and can lead to denial, account closure or legal action by a lender. You also authorize lenders and partners to verify your information, which may include checking credit reports, bank data and identity records. By providing a phone number, you agree that we and lenders may contact you about your request, including by automated calls or texts where you have given consent; message and data rates may apply.

You may use the site only for lawful, personal purposes. Misusing the service, attempting to harm it or using it to deceive lenders or other people is not allowed.

• Submitting requests with false, stolen or someone else's information.
• Using bots, scrapers or automated tools to access or copy the site.
• Interfering with security features or attempting unauthorized access to systems or data.
• Uploading viruses, malicious code or anything that disrupts the site.
• Reselling, reproducing or framing site content without written permission.
• Impersonating us or a lender, or using the site to run a loan scam.

We may block access, cancel requests or report activity to authorities if we believe these terms have been broken.

All content on the site, including text, guides, graphics, logos, calculators and page design, is owned by us or our licensors and is protected by copyright and trademark law.

You may view and print pages for your own personal, non-commercial use, such as printing a sample payment table to compare offers at home. You may not copy, modify, distribute, sell or create derivative works from site content without our written permission. Lender names and marks belong to their respective owners.

The site and service are provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement.

Content is general information and is not financial, legal, tax or credit-counseling advice. Rates, payment examples and timelines are estimates that may not match the offer you receive. We do not warrant that the site will be uninterrupted, error-free or free of harmful components, or that third-party information is accurate. Consider speaking with a qualified professional before taking on debt.

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of the site or any loan from a lender.

Our total liability for any claim relating to the site or service will not exceed one hundred U.S. dollars. Some states do not allow certain limitations, so parts of this section may not apply to you. You agree to indemnify and hold us harmless from claims arising from your misuse of the site or violation of these terms.

New Jersey law and applicable federal law govern these terms, without regard to conflict-of-law rules. Disputes will be handled in state or federal courts located in New Jersey.

If any provision of these terms is found unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of our right to do so later. Nothing in these terms limits rights you have under consumer-protection laws that cannot be waived.

We may update these terms from time to time by posting the revised version on this page. Continued use of the site after changes are posted means you accept the updated terms.

Questions about these terms can be sent to [email protected], by phone at (888) 291-9226, or by mail to 9224 Harbor Boulevard, Suite 321, Trenton, NJ 08608. Our contact page explains what our team can help with.