Terms of use

We operate a free loan-request service that passes your request to lenders and lending partners in our network. These terms cover this website, the request form and any messages you exchange with us.

In these terms, "we", "us" and "our" mean the operator of this website. "You" means anyone who visits the site or submits a request. If you do not agree to these terms, please do not use the site. Our privacy policy is part of these terms and explains how we handle your information.

You may use our service if you are a U.S. resident, at least 18 years old (19 in Alabama and Nebraska), and able to enter a binding contract. Our service is not available in every state.

You may submit a request only for yourself, using your own name and information. Lenders set their own extra requirements for income, credit and residency, which our eligibility guide describes in general terms.

We are not a lender, broker of record or financial adviser. We do not make credit decisions, set rates or terms, or send loan money. No lender relationship exists between you and us.

If you accept an offer, the loan agreement is solely between you and the lender. The lender decides whether to approve you, sets the APR, fees and repayment schedule, pays out the loan and collects payments. Questions about a loan belong with the lender.

Lenders and partners may pay us for requests or funded loans, as our advertiser and lending disclosure explains. Using our service is free to you and does not oblige you to accept any offer.

Submitting a request does not guarantee that any lender will review it, make an offer or approve you. We also do not promise a particular APR, loan amount, term or funding date.

Rates, payments and timelines shown on this site are estimates for illustration. For example, $2,000 over 12 months at 24.99% APR is about $190.08 a month and $2,280.94 in total. Your actual terms come only from a lender's offer and loan agreement.

You agree that the information you submit is true, complete and your own. Giving false information can lead to a denied request, a cancelled loan or legal action by a lender.

• You authorize us to share your request with lenders and lending partners in our network, and with service providers who help us run the service.
• You authorize lenders to verify your information, which may include a credit check run by the lender.
• You agree to be contacted about your request as described on the form and in our privacy policy, and you may opt out at any time.
• You agree to tell the lender, not us, if your details change after you accept a loan.

You agree that we may give you notices, disclosures and other communications about our service electronically, by email or by posting them on this site, and that these count as being in writing.

Lenders may ask for your separate consent to receive loan disclosures and sign the loan agreement electronically. That consent is between you and the lender. Keep a copy of every document you sign, and save the lender's contact details somewhere you can find them later.

You may use the site only for lawful, personal purposes. You may not submit requests for someone else, test stolen data, scrape content, or interfere with the site's security or operation.

• Do not submit fake, automated or bulk requests.
• Do not use another person's identity, bank account or contact details.
• Do not copy, scrape or resell site content or data without our written permission.
• Do not upload malware or try to get around security controls.
• Do not use the site to harass, mislead or defraud anyone.

We may block access, remove requests or report activity to the authorities if we believe these rules have been broken.

Lenders and partners that receive your request have their own terms, privacy policies and loan agreements. Those documents, not these terms, govern any offer or loan you receive from them.

Links to lender sites or other websites are provided for convenience. We do not control those sites and are not responsible for their content, practices or decisions. Read every disclosure on a lender's page before you sign, and compare offers using our lender comparison guide.

The text, design, graphics, calculators and code on this site belong to us or our licensors and are protected by copyright and other laws. You may view and print pages for personal use only.

You may not copy, change, republish or sell site content without our written permission. You may link to our pages as long as the link does not suggest we endorse you or your business.

The site and our service are provided "as is" and "as available." Our guides offer general information, not financial, legal or tax advice for your situation.

We work to keep content accurate, but we do not warrant that every page is complete, current or error-free, or that the site will always be available. To the extent the law allows, we disclaim all implied warranties, including merchantability and fitness for a particular purpose. Speak with a qualified professional before making a major financial decision.

To the fullest extent the law allows, we are not liable for indirect, incidental or consequential losses from using the site, and our total liability is limited to $100.

We are not responsible for a lender's decision, terms, conduct or collection practices, or for losses caused by information you entered incorrectly. Some states do not allow certain limits on liability, so parts of this section may not apply to you.

You agree to cover our reasonable losses and legal costs if a claim arises from your breach of these terms or your misuse of the site.

Hawaii law governs these terms, along with applicable federal law, without regard to conflict-of-law rules. Disputes will be heard in the state or federal courts located in Honolulu, Hawaii.

Before filing any claim, please contact us so we can try to resolve the issue informally. Nothing in these terms limits any right you have under consumer protection law that cannot be waived.

We may update these terms when our service or the law changes. The version posted on this page applies from the time it is posted, and continuing to use the site means you accept it.

If any part of these terms is found unenforceable, the rest stays in effect. Our failure to enforce a term is not a waiver of it.

Questions about these terms can go to [email protected], to (888) 898-6983 Monday to Friday, 9am to 5pm Hawaii time, or by mail to 2472 Alder Boulevard, Suite 999, Honolulu, HI 96813.

For questions about a loan you already have, contact your lender. Our contact page lists complaint routes, including your state regulator and the CFPB.