Terms of Use

Using our website, request form, calculators or support channels means you accept these terms of use and our privacy policy. If you do not agree, do not use the website or submit a request.

These terms form a binding agreement between you and the company that operates this website. They include an arbitration agreement and a class action waiver, explained below, that affect how disputes are resolved.

Our website offers a free matching service that passes your request for a loan of $500 to $5,000 to lenders and partners in our network, along with educational guides and calculators about borrowing costs.

We are not a lender, broker or financial advisor. We do not make loans or credit decisions and do not set rates, fees or terms. Submitting a request does not ensure that any lender will contact you or make an offer, and calculator results and cost figures on our website are estimates only. Our how it works page describes the process in plain language.

You may submit a request only if you are at least 18 years old, or 19 in Alabama and Nebraska, live in the United States, and are requesting a loan for yourself.

You may not submit a request on behalf of another person without legal authority to do so. Lenders apply their own, often stricter, eligibility rules, which typically include a steady income source, an active checking account and a valid Social Security number or ITIN. The eligibility guide summarizes what lenders commonly review.

Any loan you receive is an agreement between you and the lender alone. We are not a party to that agreement and are not responsible for the lender's decisions, terms, servicing or collection practices.

Questions about payments, fees, payoff amounts, hardship options or disputes about a funded loan must go to your lender. Our advertiser and lending disclosure explains how lenders and partners compensate us for requests.

You agree to provide true, complete and current information on the request form. Lenders rely on it to decide whether to make an offer, and false information may violate federal and state law.

By submitting a request, you authorize us to share your information with lenders and partners in our network and with service providers that verify identity and help prevent fraud. You also authorize lenders to obtain consumer reports about you, which may include soft and hard credit inquiries. You agree that we and lenders in our network may contact you by email, phone and text message at the contact details you provide, including through automated technology, as described in the consent shown on the form. Message and data rates may apply, and you can opt out of texts by replying STOP.

Offers, rates and terms shown after you submit a request come from third parties. We do not endorse any lender or product, and we do not control the content or practices of lender websites you visit.

Review every offer, agreement and disclosure before accepting. Availability, APRs and terms vary by state and lender, and your relationship with a third-party site is governed by that site's own terms and privacy policy.

You may use our website only for lawful, personal purposes. Misuse of the request form or attempts to interfere with our systems may lead to blocked access and referral to law enforcement.

You agree not to:

• Submit false, misleading or someone else's information
• Use bots, scrapers or automated scripts to access the website or the form
• Attempt to probe, breach or disrupt our security or servers
• Copy, resell or republish our content without written permission
• Impersonate our company or use our name to solicit fees from consumers

All text, graphics, calculators, logos and page designs on our website belong to us or our licensors and are protected by copyright and trademark law.

You may view and print pages for your own personal, noncommercial use. Any other use requires our prior written consent.

Our website 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.

We do not warrant that the website will be uninterrupted or error-free, that any lender will respond, or that any offer will be the best one available to you. Educational content is general information, not financial, legal or tax advice. Payment estimates and nova credits examples on our pages may differ from the terms a lender offers you.

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of our website, the request form or any lender's loan.

Our total liability for any claim related to the website or service will not exceed $100. Some states do not allow certain limitations, so parts of this section may not apply to you.

Arizona law governs these terms, without regard to conflict-of-law rules. Any dispute with us will be resolved by binding individual arbitration rather than in court, except for qualifying small claims.

Arbitration will be administered by a recognized national arbitration provider under its consumer rules, in Maricopa County, Arizona, or by video conference if you prefer. You and we each waive the right to a jury trial and to participate in a class or representative action. You may opt out of this arbitration agreement within 30 days of first using our website by emailing [email protected] with your name and the subject line "Arbitration Opt-Out." Disputes with a lender are governed by the lender's own loan agreement.

We may revise these terms at any time by posting an updated version on this page. The Last updated line shows when the current version took effect, and continued use of the website means you accept the changes.

Questions about these terms can go to [email protected], (888) 307-8750, or 6686 Cedar Road, Suite 708, Phoenix, AZ 85004, Monday through Friday, 8 a.m. to 6 p.m. Mountain Standard Time.