Acceptance of These Terms

By visiting the site or submitting a request, you agree to these Terms of Use and to our Privacy Policy. If you do not agree, please do not use the site or submit the request form.

You should read these terms together with our privacy policy, which explains how we collect and share information, and our advertiser disclosure, which explains how we are compensated. If any part of these terms conflicts with a lender's loan agreement, the lender's agreement governs the loan itself.

Who May Use the Service

You may use the request form only if you are at least 18 years old, or the age of majority in your state if higher, live in the United States, and can enter into a binding agreement. The service is not offered outside the US.

You may submit a request only for yourself, using your own information. Submitting a request on behalf of another person, or using information that is not yours, is not allowed. Lenders set their own additional eligibility requirements, which our eligibility overview describes in general terms.

Our Role as a Connector

We operate a loan-request website. We pass the information you submit to lenders and lending partners in our network, who decide independently whether to make an offer. We do not make loans, approve or deny credit, set rates, or fund accounts.

Any loan you accept is a contract between you and the lender alone. The lender is responsible for its offer, disclosures, underwriting, funding, servicing and collection. We are not an agent, broker or representative of you or of any lender, and we do not give financial, legal or tax advice. Information on the site, including leap credit loan options described in our guides, is general and educational, not a recommendation that you borrow.

Lenders and partners may compensate us. That compensation may affect which partners are in our network and the order in which they receive requests or offers appear, but it does not change the terms a lender offers you. Not every request receives an offer, and we do not control whether, when or on what terms a lender responds.

No Obligation and No Fee

Using the request form is free, and submitting a request does not obligate you to accept any offer. You may review, compare and decline offers without any cost from us.

If you accept an offer, you will owe the lender according to its loan agreement, including interest and any fees it charges. Read the full offer, including APR, fees, payment schedule and any rules about late or early payment, before you sign. Our rates guide explains how to compare offers by total cost.

Accuracy of Information You Provide

You agree that all information you submit is true, complete and current, and that you will not misrepresent your identity, income or any other detail. Lenders rely on what you provide to evaluate your request.

Providing false or misleading information may result in your request being rejected, may affect any loan you receive, and may violate the law. You authorize us and the lenders and partners that receive your request to verify the information you provide, including through consumer reporting agencies, identity verification services and other data sources.

By submitting a request, you agree that we and the lenders and partners that receive it may contact you about your request and related offers at the phone number and email address you provide, including by call, text message and email.

Messages may be sent using automated technology, and your carrier's message and data rates may apply. Consent to be contacted is not a condition of receiving a loan. You can stop text messages from us by replying STOP, unsubscribe from our emails using the link in each message, and ask any lender directly to stop contacting you. You agree to tell us if a phone number you gave us is reassigned or no longer yours.

Electronic Communications

You agree to receive notices, disclosures and other communications from us electronically, by email or by posting them on the site. Electronic communications satisfy any legal requirement that a communication be in writing.

Keep your email address current and check your inbox, including spam folders, for messages about your request. A lender may ask you to agree separately to receive its loan documents electronically and to sign its agreement electronically; those consents are between you and the lender.

Third-Party Sites and Offers

The site may direct you to websites, offers and services operated by lenders and other third parties. We do not control those websites and are not responsible for their content, terms, privacy practices or the products they provide.

Your use of a third-party website is governed by that party's own terms and privacy policy. Showing a lender's offer is not an endorsement of the lender. We are not affiliated with any lender, app or company that uses a similar name, and we have no access to accounts held with them.

Prohibited Uses

You agree to use the site only for lawful purposes and only to submit a genuine request for yourself. Misusing the site, the request form or our systems is not allowed.

You may not:

  • Submit false, fraudulent or another person's information
  • Use automated tools, bots or scripts to access, copy or submit forms on the site
  • Attempt to gain unauthorized access to our systems or interfere with the site's security or operation
  • Upload viruses or other harmful code
  • Copy, resell or commercially exploit the site or its content without our written permission
  • Use the site in any way that violates federal, state or local law

We may suspend or block access to anyone who breaks these rules and may report suspected fraud to the appropriate authorities.

Intellectual Property

The site's text, design, graphics, logos and software are owned by us or our licensors and are protected by copyright, trademark and other laws. You may view and print pages for your own personal, noncommercial use.

You may not reproduce, modify, distribute or create derivative works from site content without our prior written permission. Names and marks of lenders and other companies that appear on the site belong to their respective owners, and their appearance does not mean those companies sponsor or endorse us.

Disclaimers

The site 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, to the fullest extent the law allows.

We do not promise that the site will be uninterrupted or error-free, that any lender will make you an offer, or that any offer will meet your needs. Rates, payment estimates and other figures on the site are illustrations only and are not offers of credit. Lenders, not us, set the terms of any loan, and funding timing depends on the lender and your bank.

Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of the site, or for any act, omission, offer or loan of a lender or other third party.

Our total liability for any claim relating to the site or service will not exceed one hundred dollars. Some states do not allow certain limitations of liability, so parts of this section may not apply to you. You agree to indemnify us against claims arising from your violation of these terms or your misuse of the site.

Governing Law

The laws of the State of Alabama govern these terms, without regard to its conflict-of-law rules, except where federal law applies. Any dispute will be handled in the state or federal courts located in Alabama, unless the law of your state requires otherwise.

If any provision of these terms is found unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver of our right to enforce it later.

Changes to These Terms

We may update these Terms of Use from time to time. When we do, we will update the Last updated date at the top of this page, and the revised terms apply from that date.

Continuing to use the site after a change means you accept the updated terms. If you do not agree with a change, stop using the site and the request form.

Contact Us

Questions about these terms can be sent to us by email, phone or mail using the details on our contact page. For questions about an existing loan, please contact your lender directly.

You can also learn more about the service in our step-by-step overview and on our about page.