Terms of Use

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

In these terms, "we," "us" and "our" refer to the operator of this website, and "you" refers to anyone who visits the site or submits a request. Our privacy policy and advertiser and lending disclosure form part of these terms.

You may submit a request only if you are at least 18 years old (19 in Alabama and Nebraska), a resident of the United States, and legally able to enter into a binding contract.

You must submit requests only for yourself, using your own identity and accurate information. Submitting a request on behalf of someone else, using another person's details, or using automated tools to submit or scrape the form is not permitted. Lenders apply their own eligibility rules on top of these, and our page on basic eligibility requirements describes the most common ones.

We provide a free online connector that passes your loan request to lenders and lending networks in our network. We are not a lender, broker or agent, and we do not make credit decisions.

• We do not issue loans, set rates or fees, or decide loan amounts or terms.
• We do not endorse or recommend any particular lender or loan product.
• We do not charge you for using the request form.
• Not every lender, loan product or state is served by our network.

Information on our pages, including APR ranges, payment examples and timing, is general and educational. It is not financial, legal or tax advice, and every figure is an estimate that can differ from the terms a lender offers you.

We cannot promise that any lender will review your request, make an offer, approve a loan, offer a particular amount or rate, or deposit funds within a particular time.

Speed in particular varies. A lender may reply within minutes of a completed request, and if it approves you and you sign, the deposit often posts the next business day, occasionally the same day, yet the lender, your bank and the time you finish each affect that timeline. Accepting any offer remains your choice, never an obligation.

You agree to provide true, current and complete information, to keep your contact details accurate, and to read every loan agreement carefully before you sign it.

• Do not submit false, misleading or fraudulent information; doing so may violate federal and state law.
• Do not try to disrupt, probe or gain unauthorized access to the site, its servers or its data.
• Do not copy, republish or sell our content without written permission.
• Borrow only what you can repay; missed payments can lead to fees, collection activity and credit damage set out in the lender's agreement.

By submitting the form, you authorize us to share your information with lenders and service providers as described in our privacy policy, and you agree that those lenders may contact you by phone, text or email at the numbers and addresses you provided, including through automated means where the law allows. You can withdraw that consent at any time by telling the party that contacts you.

Any loan you accept is a separate agreement between you and the lender, governed by that lender's terms, disclosures and privacy policy. We are not a party to that agreement.

Lenders may verify your information, check your credit with one or more consumer reporting agencies, and request documents. When you follow a link to a lender's or partner's site, you leave our website, and we are not responsible for that site's content, practices or availability. Questions or complaints about a loan should go to the lender first.

All text, graphics, design, logos and code on the site belong to us or our licensors and are protected by US copyright, trademark and other laws.

You may view and print pages for your own personal, non-commercial use. Any other use, including reproduction, distribution or creation of derivative works, requires our prior written permission.

The site and request form are provided "as is" and "as available," without warranties of any kind, and our liability to you is limited to the fullest extent the law allows.

We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. We are not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss arising from a lender's decisions, products, terms or conduct. Where liability cannot be excluded, our total liability for any claim relating to the site is limited to one hundred US dollars. Some states do not allow certain exclusions, so parts of this section may not apply to you.

You agree to indemnify and hold us harmless from claims, losses and costs, including reasonable legal fees, arising from your breach of these terms or your misuse of the site.

Vermont law governs these terms, without regard to its conflict-of-law rules, and any dispute will be heard in the state or federal courts located in Vermont.

Before filing any claim, you agree to contact us first and give us 30 days to try to resolve the issue informally. Nothing in these terms limits rights you have under federal or state consumer protection laws that cannot be waived by contract.

We may update these terms at any time by posting a revised version on this page; continued use of the site after a change means you accept the updated terms. If any provision is found unenforceable, the rest remains in effect. Questions about these terms can be sent by phone at (888) 865-2332, by email to the address in our footer, or by mail to 8217 Magnolia Boulevard, Suite 593, Montpelier, VT 05602. You can also use our contact page.