Terms of Use: The Rules for Using Our Service

By visiting our site 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 or submit a request.

You also agree to receive notices and disclosures from us electronically, by email or on the site. Our privacy policy explains how we handle your information, and our advertiser disclosure explains how we are paid. Both form part of these terms.

We provide a free online service that passes your loan request to lenders in our network. We are not a lender, do not make credit decisions, and do not set, fund or service any loan.

• We do not act as your agent or adviser, and we do not negotiate terms on your behalf.
• We do not charge you a fee to use the service; lenders in our network pay us.
• We are not Sezzle and are not affiliated with, endorsed by or sponsored by Sezzle Inc. or any other buy now, pay later company named on the site.
• Our guides and estimates are general information to help you compare options.

To submit a request you must be at least 18 years old (19 in Alabama and Nebraska), a US resident, and legally able to enter a binding agreement. Lenders apply their own additional requirements.

Lenders in our network typically also look for:

• Steady income from a job, self-employment or benefits.
• An active checking account in your name.
• A valid email address and phone number.
• A Social Security number or ITIN.

Meeting these points does not mean a lender will make an offer. See our eligibility guide for more detail.

Submitting a request does not guarantee that you will be matched with a lender, receive an offer, be approved, or get any particular amount, rate or term. Estimates shown on our site are examples, not offers.

Lender availability varies by state and can change without notice. Rates on our site, such as APRs of about 5.99%–35.99% and the representative example of $2,000 over 12 months at 24.99% APR, are estimates; the lender sets your actual terms.

You agree to give true, complete and current information, to submit requests only for yourself, and to use the site lawfully. Giving false details or someone else’s information can lead to denial and may be reported.

• Do not submit a request using another person’s identity or without their permission.
• Do not try to disrupt, scrape, copy or gain unauthorized access to the site or its systems.
• Do not use the site to send spam, malware or unlawful content.
• Keep any offer details and lender communications secure, and tell the lender promptly if you suspect fraud.

By submitting the request form, you agree that we and lenders in our network may contact you by email, phone and text message about your request, as described on the form. You can opt out of marketing messages at any time.

Any loan you accept is a contract between you and the lender, governed by the lender’s agreement, disclosures and privacy policy. We are not a party to that agreement and cannot change, waive or enforce its terms.

A lender may take you to its own website to finish its application. Once you leave our site, the lender’s terms apply. Read the APR, finance charge, fees, payment schedule and any prepayment or late-payment terms before you sign, and send questions about a loan to the lender.

Company names and trademarks that appear on our site belong to their owners and are used only to describe and compare products.

Our site and content are provided “as is” and “as available” for general information, and they are not financial, legal or tax advice. Rates, payments and other figures are estimates that may not match any offer you receive.

• We do not promise that the site will always be available, error-free or free of harmful components.
• We work to keep our guides accurate, but we do not warrant that all information is complete or current.
• We are not responsible for a lender’s products, decisions, conduct or websites.
• Consider speaking with a qualified professional about your own situation.

To the fullest extent the law allows, we are not liable for indirect, incidental, special or consequential losses arising from your use of the site, a lender’s decision, or any loan you accept. Some states do not allow these limits.

Because the service is free to you, our total liability for any claim related to the site is limited to one hundred dollars ($100), except where the law does not allow such a limit.

You agree to cover our reasonable losses and costs if a claim arises because you broke these terms, gave false information, or misused the site.

Wyoming law governs these terms, without regard to conflict-of-law rules. Disputes that cannot be settled informally will be heard in the state or federal courts located in Laramie County, Wyoming.

Before filing any claim, please contact us and give us 30 days to try to resolve the issue. Nothing in these terms removes rights that the law of your state gives you and that cannot be waived by agreement.

We may update these terms by posting a revised version on this page. Using the site after a change means you accept it. Questions can go to [email protected] or (888) 470-6856.

If any part of these terms is found unenforceable, the rest still applies. Our mailing address and other ways to reach us are on our contact page.