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How it worksFAQPrivacy PolicyTerms
How it worksFAQPrivacy PolicyTerms

Terms & Conditions of Use

Welcome to Online US Loans (the "Website"). These Terms and Conditions govern your access to and use of the Website. Please read these terms carefully before using the Website. By accessing and using the Website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please refrain from using the Website.

1. User Responsibilities

1.1 By using the Website, you confirm that you are 18 years of age or older and reside in the United States.

1.2 You agree to provide accurate and truthful information when using the Website and its services. The Website is intended for personal, non-commercial use only.

1.3 Any unauthorized commercial use or exploitation of the Website is strictly prohibited.

2. Financial Services

2.1 Online US Loans acts as a platform to connect customers with a network of lenders. We are a broker, not a lender.

2.2 Our unique algorithm matches customer requirements with suitable lenders based on various factors, including application details and lender products. We do not receive commissions from lenders for providing this service.

2.3 We do not charge customers any fees for using our services.

3. Security and Privacy

3.1 We prioritize the security of your personal information and take reasonable measures to protect it. While we strive to maintain the security of the Website, we cannot guarantee that unauthorized third parties will not circumvent our security measures.

3.2 We assume no liability for any unauthorized access or alterations to the Website. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal information.

4. Disclaimer of Warranties

4.1 The Website and its content are provided on an "as is" basis. We make no representations or warranties regarding the suitability, accuracy, or completeness of the information on the Website.

4.2 We do not guarantee uninterrupted or error-free access to the Website. To the fullest extent permitted by applicable law, we disclaim all warranties, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

5. Limitation of Liability

5.1 We shall not be liable for any damages, losses, or expenses arising from your use of the Website. In no event shall our total liability to you for any claims, damages, or losses exceed the amount paid by you, if any, for accessing the Website.

5.2 We shall not be liable for any third-party content or actions on the Website, including the content of linked sites.

6. Intellectual Property

6.1 The content and materials on the Website are protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.

6.2 All trademarks, logos, and service marks displayed on the Website are the property of their respective owners. Use of any trademarks without permission is strictly prohibited.

7. Links to Third-Party Websites

7.1 The Website may contain links to third-party websites for your convenience. We do not endorse or have control over the content of these websites.

7.2 We are not responsible for the privacy practices or terms and conditions of third-party websites. Please review their policies before accessing or using those sites.

8. Governing Law and Dispute Resolution

8.1 These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States.

8.2 Any disputes or claims arising from these Terms and Conditions shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

8.3 You waive your right to participate in class action lawsuits or multi-party arbitrations.

9. Modification of Terms

9.1 We reserve the right to modify or amend these Terms and Conditions at any time. Any changes will be effective immediately upon posting on the Website.

9.2 It is your responsibility to review these Terms and Conditions periodically for any updates or changes.

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Disclosure & Range of Annual Percentage Rate (APR) for Qualified Customers: At Online US Loans, we prioritize transparency and responsible lending. The Annual Percentage Rate (APR) represents the annual interest charged to borrowers and includes associated fees and costs. Due to our extensive network of lenders, we cannot guarantee a specific APR, as it varies based on the lender and your unique circumstances. Generally, APRs for loans can range between 5.99% and 35.99%. It is crucial to carefully review the loan agreement provided by the lender for precise APR and repayment terms.

Representative Examples of APR, Total Loan Costs & Fees for Qualified Customers: To provide insight into potential loan terms, here are representative examples of APR, monthly payments, and total amounts paid for various loan amounts and terms:

  1. For a $1,000 loan with a 12-month repayment term, the APR is 29.82%, resulting in a monthly payment of $94.56 and a total amount paid of $1,134.72.

  2. For a $2,000 loan with a 12-month repayment term, the APR is 24%, resulting in a monthly payment of $189.12 and a total amount paid of $2,269.44.

  3. For a $4,000 loan with a 24-month repayment term, the APR is 12%, resulting in a monthly payment of $188.29 and a total amount paid of $4,518.96.

Financial Implications (Interest & Finance Charges): As a loan matching service, we do not set the specific fees and interest rates for your loan. It is essential to thoroughly review the loan agreement provided by your lender, which will include comprehensive information about the loan's associated costs. Before proceeding, ensure that you fully understand and accept the terms. Our loan matching service is free, and you are under no obligation to accept any offers presented by the lender.

Late or Non-Payment Implications: By accepting the terms and conditions of a personal loan, you commit to repaying the loan amount and any applicable interest within the specified timeframe outlined in the loan agreement. Failure to meet these obligations, including late payments, may result in additional charges. Please review your lender's late, partial, and non-payment policies as detailed in the loan agreement. It is crucial to collaborate with reputable lenders who handle past-due accounts fairly and reasonably.

Potential Impact to Credit Score: Our lenders may conduct credit checks to assess your creditworthiness. It is important to note that missed payments or late payments can negatively affect your credit score. To maintain a healthy credit history, manage your loan responsibly and make timely payments.

Collection Practices: Online US Loans is not involved in the debt collection process, as we are not a lender. Your lender will outline specific debt collection practices in the loan agreement. We exclusively collaborate with reputable lenders who adhere to fair collection practices.

Legal Disclaimer: Online US Loans connects borrowers with lenders or lending partners, and the terms and conditions of the specific lender or lending partner will govern any loan you select. Displayed APRs, loan amounts, and other loan details are estimations and may vary based on the lender or lending partner and your individual circumstances. We are not lenders, loan brokers, or agents. We do not make credit decisions or broker loans. Any information you submit through our website will be shared with lenders or lending partners. Please carefully review the terms provided by the lender before accepting any loan offers.

Availability and Material Disclosure: Personal loan lenders operate under distinct rules and regulations in each state. Consequently, your loan amount, APR, and repayment terms may vary based on your location, creditworthiness, and the lender or lending partner. We are not affiliated with any specific lender, and our advertising referral service connects you with lenders that may offer loans ranging from $500 to $10,000.

Loan Renewal Policies: Loan renewal options may not always be available. We recommend reviewing the renewal policy outlined by your lender before signing the loan agreement.

Important Disclosures. Please Read Carefully: Individuals experiencing serious financial difficulties should explore alternative options or seek professional financial advice.

This website is not an offer to lend. OnlineUSLoans.com is not a lender or lending partner and does not make loan or credit decisions. OnlineUSLoans.com connects individuals with lenders or lending partners from its network of approved lenders and lending partners. OnlineUSLoans.com does not control or take responsibility for the actions or inactions of any lender or lending partner. We are not an agent, representative, or broker of any lender or lending partner and do not endorse any lender or lending partner. OnlineUSLoans.com may receive compensation from its lenders and lending partners. Our service is always free to you. In certain cases, you may have the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and specific federal laws, exempt from state laws, 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 dispute resolution in a tribal jurisdiction. We urge you to read and understand the terms of any loan offer, whether from a tribal or state-licensed lender, and reject any offer that you cannot afford to repay or find unacceptable.

This service may not be available in all states. If you request connection to a lender or lending partner in a state where such loans are prohibited or in a location where OnlineUSLoans.com lacks an available lender or lending partner, you will not be connected. We encourage you to read and understand the terms of any loan offer from lenders and lending partners, rejecting any offer that you cannot afford to repay or find unacceptable.

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

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