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By clicking “REQUEST CASH”, I agree to the Credit Authorization Agreement, E-Consent, Privacy Policyand Terms of Use. My click is my electronic signature to allow you to use my information and share it with lenders and other partners here. I authorize you and your partners to use autodialers, send SMS messages, or deliver prerecorded messages to my phone number. I understand consent is not required to obtain a loan.
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Terms of Use

smartloansonline.com (“smartloansonline.com” or “we” or “our”), owns and operates the website located at smartloansonline.com (the “Site”). smartloansonline.com provides and maintains this Site for your information, conditioned on your acceptance, without modification, of the terms, conditions and notices contained in these Terms of Use. By accessing and using the Site, you accept and agree without limitation to the following:

PRODUCTS AND SERVICES

smartloansonline.com is not a lender and is not responsible for any lending product advertised or offered to you. All products or services advertised here or offered to you are the sole responsibility of their respective lenders or service providers.

ESIGN CONSENT

You agree that clicking “Get Cash Now” (or other such button presented to you to submit your loan request) acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically, including without limitation any notices of adverse action that a lender might send to you. You also confirm that you have the ability to access documents electronically, including the ability to view and save PDF files.

LOAN REQUEST ACCEPTANCE POLICY

smartloansonline.com reserves the right at any time after receipt of your loan request to accept or reject your request for any reason. smartloansonline.com may require additional information or verification before your loan request is accepted. When your loan request is accepted, you may be connected with a lender for further consideration based on the lender’s policies and procedures, but it does not mean your loan request has been approved. Loan approval is solely the lender’s decision. smartloansonline.com is not responsible for loan requests that are rejected or for a lender’s decision not to fund a loan.

CREDIT REFERENCES

You agree and expressly authorize the third party lender you are connected with to share among its affiliates, loan servicers, and bank partners any transaction history related to your financial products or services received or serviced through the third party lender or other service providers for the purpose of evaluating you for credit.

RESTRICTIONS

You must be 18 years or older and a legal resident of the United States to submit a loan request. You agree not to use this Site or any content contained in it for any illegal or inappropriate activities.

COMPLIANCE WITH LAWS

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your acceptance or purchase of products or services through this Site’s third party vendors. smartloansonline.com may, in its sole discretion, report actual or perceived violations of law to law enforcement or other authorities. If smartloansonline.com becomes aware of any potential or suspected violation of these Terms of Use or its Privacy Policy, smartloansonline.com may (but is not obligated to) conduct an investigation to determine the nature and extent of the suspected violation and the appropriate enforcement action. During such investigation, smartloansonline.com may suspend services to any customer being investigated and may delete data from smartloansonline.com’s servers in order to prevent or minimize further violations. You agree to cooperate fully with any such investigation. You acknowledge that violating the Terms of Use or Privacy Policy could subject you to criminal or civil penalties.

INTELLECTUAL PROPERTY

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this Site is the intellectual property of smartloansonline.com, its licensees, or other third parties who have authorized use of such properties on the Site.

You have permission to view and make copies of documents, pages, images or other materials or content on this site for the sole purposes of requesting a loan. smartloansonline.com reserves all other rights in this Site and its contents. You may not distribute, display, transmit or disseminate any documents, pages, images, materials or content without smartloansonline.com’s prior written consent. Nothing contained on this Site should be construed as conferring any right or license to any trademark, copyright or other intellectual property right.

LIMITATION OF LIABILITY AND DISCLAIMER OF WARRANTIES

smartloansonline.com uses commercially reasonable efforts to ensure that the information on this Site is accurate but accuracy is not guaranteed. smartloansonline.com makes no representations regarding your use of this Site or results that you may or may not obtain through such use.

NEITHER smartloansonline.com NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. EVERYTHING ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THESE EXCLUSIONS AND LIMITATIONS ARE APPLIED TO THE FULLEST EXTENT PERMITTED BY LAW.

THIRD PARTY CONTENT

This Site may contain links to websites maintained by third parties. smartloansonline.com is not responsible for the content or privacy policies of third party websites, and the existence of such links should not be considered an endorsement or recommendation of those websites, the product or service offered or any third parties associated with those websites.

PRIVACY

smartloansonline.com’s Privacy Policy, which is incorporated herein by reference, is applicable to any data supplied through this Site. The Privacy Policy sets out your rights and smartloansonline.com’s responsibilities regarding your personal information. smartloansonline.com will not use your information in any way inconsistent with the purposes and limitations provided in the Privacy Policy. smartloansonline.com reserves the right, in its sole discretion, to modify the Privacy Policy without prior notice to you. Modifications to the Privacy Policy are effective when posted and your continued use of this Site signifies your acceptance of such modifications.

SECURITY

smartloansonline.com uses secure technology to protect your personal information. Although smartloansonline.com takes commercially reasonable measures to secure your personal information submitted through this Site, smartloansonline.com cannot guarantee that your information will not be intercepted or decrypted by others. So long as smartloansonline.com uses commercially reasonable security measures, it accepts no responsibility for such interception or decryption except as required by law.

SITE USE

smartloansonline.com does not charge you any fees for your use of this Site. smartloansonline.com is not (1) your agent, (2) the agent of any solicitor or issuer of consumer loans or (3) the agent of any supplier or vendor used in the evaluation of your loan request or other use of this Site. smartloansonline.com may receive compensation from lenders and other third parties in exchange for goods or services offered to such parties that may or may not relate to your use of this Site.

LAW AND VENUE

This Site is owned and operated by smartloansonline.com. By using or engaging with this Site in any way, you consent to the laws and jurisdiction of the State of California. These Terms of Use and the and Privacy Policy also will be governed by and construed in accordance with the laws of California, without regard to conflict of law provisions. Any legal action brought against this Site (which must be via binding arbitration as set forth below) will be governed by the laws of the California and you agree that the sole jurisdiction and venue for disputes resolution will be in Los Angeles, California.

BINDING ARBITRATION

Should any dispute arise as to the interpretation of any term or provision of these Terms of Use or with regard to any of your dealings smartloansonline.com or with any lender you borrow from as a result of smartloansonline.com’s service, those issues shall be decided by binding arbitration. Arbitration proceeding shall be conducted under the applicable rules of the American Arbitration Association or JAMS in Los Angeles County, California. The decision of the arbitrator shall be final and binding on both parties. The prevailing party shall be entitled to recover the cost of arbitration, travel expenses, expert testimony, travel expenses of experts, and all other expenses reasonably incurred in bringing or defending an arbitration claim, from the other party unless otherwise prohibited by law.

MODIFICATION

smartloansonline.com reserves the right to modify these Terms of Use from time to time and without notice to you. Your use of this Site after such modification constitutes your acceptance of and agreement to any new or amended terms.

INDEMNIFICATION

By using this Site, you agree to indemnify, defend and hold harmless smartloansonline.com, its subsidiaries, affiliates, officers, agents and other partners and employees, from any loss, liability, claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use or attempted use of the Site.

VIOLATION OF THE TERMS OF USE

By using the Site, you understand and agree that smartloansonline.com in its sole discretion and without prior notice may terminate your access to this Site and to any services offered, and may remove any content you have provided if smartloansonline.com believes that such content violates or is inconsistent with these Terms of Use or the Privacy Policy or their intent, or that such content may be disruptive, offensive or in violation of applicable laws.

CLASS ACTION WAIVER

ANY PROCEEDINGS TO RESOLVE, LITIGATE OR ARBITRATE ANY DISPUTE IN ANY FORUM WILL BE CONDUCTED SOLELY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR smartloansonline.com WILL SEEK TO HAVE ANY DISPUTE HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY. NO ARBITRATION OR PROCEEDING WILL BE COMBINED WITH ANOTHER WITHOUT THE PRIOR WRITTEN CONSENT OF ALL PARTIES TO ALL AFFECTED ARBITRATIONS OR PROCEEDINGS. FURTHERMORE, YOU AGREE THAT YOU WILL NOT SEEK TO HAVE ANY DISPUTE AGAINST ANY LENDER TO WHOM YOU ARE REFERRED HEARD AS A CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR IN ANY OTHER PROCEEDING IN WHICH EITHER PARTY ACTS OR PROPOSES TO ACT IN A REPRESENTATIVE CAPACITY.

MISCELLANEOUS

All rights not expressly granted to you are reserved to smartloansonline.com. The headings used in these Terms of Use are intended for convenience only, and shall not affect the construction and interpretation thereof. smartloansonline.com’s failure to insist upon or enforce strict performance of any provision of the Terms of Use shall not be construed as a waiver of such or any future provision or right. If any provision of these Terms of Use is held to be invalid or unenforceable, such determination shall not affect such provision in any other respect or any other provision of these Terms of Use, which shall remain in full force and effect. These Terms of Use and the Privacy Policy constitute the entire agreement and understanding between the parties with respect to the subject matter contained herein and supersedes and replaces any and all prior written or oral agreements related to the subject matter hereof.

CONTACT INFORMATION:

Email Address: [email protected]smartloansonline.com

INFORMATION FOR ISPs:

Website: www.smartloansonline.com
Email Address: [email protected]smartloansonline.com

PLEASE NOTE THAT FOR QUESTIONS PERTAINING TO YOUR LOAN REQUEST STATUS, YOU MUST CONTACT YOUR LENDER DIRECTLY. smartloansonline.com IS NOT YOUR LENDER AND CANNOT ACCESS INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.

Notice and Take Down Procedures

If you believe any materials accessible on or from the Site infringe your copyright or other intellectual property, you may request removal of those materials (or access thereto) from the Site by contacting our copyright agent (identified below) and providing the following information:

  1. Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (for example, the URL) of an authorized version of the work.
  2. Identification of the material that you believe to be infringing and its location. Please describe the material, and provide a URL or any other pertinent information that will allow location of the material.
  3. Your name, address, telephone number and email address.
  4. A statement that in good faith you believe the complained of use of the materials is not allowed by the copyright owner, its agent, or the law.
  5. A statement that your submission is accurate and that "under penalty of perjury" you are the copyright owner or the owner’s authorized agent.
  6. A signature or the electronic equivalent from the copyright holder or authorized agent.

Send the above information to:

Legal Department
Email Address: [email protected]smartloansonline.com

For all email submissions please include the subject line: DMCA Takedown Request.

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Privacy Policy

The purpose of the smartloansonline.com Privacy Policy is to provide you with a comprehensive description of smartloansonline.com’s online and offline practices regarding the collection, use, disclosure, and sale of personal information and of the rights of consumers regarding their personal information.

Collection of Personal Information

We collect the following personal information about consumers:

Category Categories of sources from which the information was collected The business or commercial purpose for which the information was collected
Identifiers such as a real name, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, social security number, and driver’s license number. Consumers directly To connect consumers with a lender and offer other services they may be interested in.
Categories of personal information* such as name, social security number, address, telephone number, driver's license or state identification card number, employment, bank account number, and other financial information. Consumers directly To connect consumers with a lender and offer other services they may be interested in.
Characteristics of protected classifications under federal law and applicable state law, such as age. Consumers directly To connect consumers with a lender and offer other services they may be interested in.
Geolocation data such as your approximate location. Data analytics providers To connect consumers with a lender and offer other services they may be interested in.

*as described in subdivision (e) of California Civil Code Section 1798.80

Disclosure or Sale of Personal Information

We disclose or sell the following categories of personal information to third parties for a business or commercial purpose:

Category The categories of third parties to whom the information was disclosed or sold
Identifiers such as a real name, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, social security number, and driver’s license number. Lenders, lender-networks, and other marketing partners.
Categories of personal information* such as name, social security number, address, telephone number, driver's license or state identification card number, employment, bank account number, and other financial information. Lenders, lender-networks, and other marketing partners.
Characteristics of protected classifications under California or federal law such as age. Lenders, lender-networks, and other marketing partners.

*as described in subdivision (e) of California Civil Code Section 1798.80

We do not collect or sell the personal information of minors under 16 years of age without affirmative authorization.

Security

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way.

Cookies

We use "cookies" on this site. A cookie is a piece of data stored on a site visitor's hard drive to help us improve your access to our site and identify repeat visitors to our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

Opting Out

You may opt-out of future email marketing messages by emailing [email protected]smartloansonline.com and including “unsubscribe” in the subject line.

Limiting Sharing

To limit our sharing, email us at [email protected]smartloansonline.com.

Contact for More Information

[email protected]smartloansonline.com

For California Consumers

If you are a California consumer as defined by the California Consumer Protection Act (“CCPA”) you have the following rights:

1. Right to Know About Personal Information Collected, Disclosed, or Sold

You have the right to request that smartloansonline.com disclose the personal information we collect, use, disclose, and sell by sending a request to [email protected]smartloansonline.com or by clicking here. For categories of information collected or disclosed, please refer to the information provided above, which reflects the categories of information collected or disclosed in the last 12 months.

In order to verify your request for information, you must provide your name, email, and phone number. A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver’s license number or state ID number, and Social Security number. We will match the personal information provided by you with personal information maintained by smartloansonline.com. You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Once your identity is verified, your request will be processed in a timely manner.

2. Right to Request Deletion of Personal Information

You have the right to request deletion of your personal information collected or maintained by sending a request to [email protected]smartloansonline.com or by clicking here.

In order to verify your request for deletion, you must provide your name, email, and phone number. A verification link will be sent to your email address. It will direct you to a verification page where you must provide your name, email address, date of birth, driver’s license number or state ID number, and Social Security number. We will match the personal information provided by you with personal information maintained by smartloansonline.com. You will also have to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request. Once your identity is verified, your request will be processed in a timely manner.

3. Right to Opt-Out of the Sale of Personal Information

You have the right to opt-out of the sale of your personal information.

You can direct smartloansonline.com to stop selling your personal information, and to refrain from doing so in the future, by clicking here or sending a request to [email protected]smartloansonline.com.

If you are an Authorized Agent acting on behalf of a consumer to exercise their right to opt-out, send an email request to [email protected]smartloansonline.com. You will be required to submit documentation as proof of the agency relationship.

4. Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights

You have the right to receive nondiscriminatory treatment by us for the exercise of your privacy rights conferred by the CCPA.

Unless permitted by the CCPA, smartloansonline.com will not:

  • Deny you goods or services
  • Charge different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
  • Provide you a different level or quality or services if you exercise your rights under the CCPA.
  • Suggest that you will receive a different price or rate for goods or services or a different level of quality of goods or services.

5. Authorized Agent Requests on Behalf of a Consumer

You have the right to designate an authorized agent to make a request under the CCPA on your behalf. To make a request on behalf of a consumer as an authorized agent, please send an email request to [email protected]smartloansonline.com. You will be required to provide documentation that proves the agency relationship.

Last updated: July 1, 2020

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Credit Authorization Agreement

Important Disclosures. Please Read Carefully.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

By submitting your information via this website, you are authorizing smartloansonline.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize smartloansonline.com to share your information and credit history with a network of approved lenders and lending partners.

This website is not an offer to lend. smartloansonline.com is not a lender or lending partner and does not make loan or credit decisions. smartloansonline.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. smartloansonline.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. smartloansonline.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, smartloansonline.com’s service is always free to you. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where smartloansonline.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Lender’s or Lending Partner’s Disclosure of Terms.

The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. smartloansonline.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.

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CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction. You are submitting a request to be connected with one of our third party lenders or lending partners. In order to offer you a loan, the third party lenders or lending partners need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender or lending partner directly. The lenders or lending partners will provide paper copies at no charge. The lenders or lending partners will retain all Disclosures as applicable law requires.

Scope of Consent. This E-Consent applies to all interactions online concerning you and the third party lender or lending partner and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender or lending partner may process your information and interact during all online interactions with you electronically. The lender or lending partner may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders’ or lending partner’ websites, and may be provided by e-mail.

Consenting to Do Business Electronically. Before you decide to do business electronically with the third party lenders or lending partners, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to the third party lenders or lending partners.

Withdrawing Consent. Your E-Consent for our service and for our third party lenders’ or lending partner’ consideration of your request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third party lenders or lending partners, you are free to withdraw your E-Consent with those third party lenders or lending partners at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender or lending partner. Contact the third party lender or lending partner directly if you wish to withdraw this E-consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information. You should keep third party lenders or lending partners informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender’s or lending partner’s website or by sending the lender or lending partner a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER OR LENDING PARTNER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OR LENDING PARTNERS OVER THE INTERNET.

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Frequently asked questions

Most frequent questions and answers

To apply for a personal loan, each lender has its own set of conditions. Borrowers who are 18 or older, U.S. citizens or permanent residents with a valid Social Security number, have a stable income, and have a decent background history are usually the ones they are looking for.

Your debt-to-income ratio, or how much of your monthly income goes toward servicing recurring commitments like rent, car payments, or credit card bills, determines how much you can borrow with a personal loan. For loan approval, many lenders have minimum credit score criteria.

Each lender has its own process of assessing borrowers and deciding rates, The lower the interest rate offered by most lenders, the shorter the loan term; and the higher your credit score and credit report, the better the interest rate you will apply for.

When you fill the form we can know your needs better and connect you to a relevant lender from our network.

When it comes to finalizing your personal loan, you will need to be clear and honest on the submission form, In that way, we can connect you to the most relevant lender who fits your needs.

Be certain to choose the deal that best suits your financial situation.

Longer-term loans have marginally higher interest rates than shorter-term loans. Loans for a shorter period of time, such as a year, have lower interest rates but higher monthly payments.

Personal loans can be used for almost anything.

You can use it for Debt Consolidation, Credit Card Refinancing, Career Development, Vacation, Home Improvement, Wedding Expenses, and more.

 

For example, assume you get a $5,000 personal loan with an APR of 7.5%. The loan has a repayment term of 12 months. Using those terms, your monthly payment would be $433.79 and the total interest paid over the life of the loan would be $799.90. Now assume you borrow the same amount but with different loan terms.

How It Works

LendingFor.com is not a lender and therefore does not make short-term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

You can register online using any computer or mobile device. The method is extremely fast because it takes place in real-time. If you are paired with a lender, you will receive an offer from that lender outlining the loan’s terms and conditions. If you accept the conditions (which you can do), the money will be in your account as soon as the next business day.

Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:

  • You must be at least 18 years old to participate.
  • Valid checking or savings account with direct deposit.
  • Must be a Decision maker, owner or partner in the company.
  • In business for at least 6 months.
  • Minimum regular income of $1,000 per month.
  • Credit score 500+

Material disclosure

APR Disclosure. Certain states laws limit the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 35.99% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost, and term of your loan, repayment amounts, and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker, or agent for any lender or loan broker. Lending For is an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products that are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions, or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments, and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, Vermont, and West Virginia are not eligible to use this website or service. The states serviced by this Website may change from time to time, without notice.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing, and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. Short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks, and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has its own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.

Personal loan offers provided to customers who originated via a paid Google or Bing advertisement feature rate quotes on LendingFor of no greater than 35.99% APR with terms from 61 days to 180 months. Your actual rate depends upon credit score, loan amount, loan term, and credit usage and history, and will be agreed upon between you and the lender. For additional loan options, please email us at info@lendingfor.com. An example of the total amount paid on a personal loan of $10,000 for a term of 36 months at a rate of 10% would be equivalent to $11,616.12 over the 36-month life of the loan.
 
 
 

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