These Terms of Use form an agreement between you and the team that runs this website. They explain what our free amone loan request service does, what it does not do, how we may contact you, and the limits of our responsibility, so please read them before you submit a request.
Acceptance of these terms
Using our website or submitting a request means you accept these Terms of Use and our privacy policy; if you do not agree, please do not use the site or the request form.
"We," "us" and "our" mean the operator of this website. "You" means any visitor or person who submits a request. These terms apply to every page of the site, our request form, and any email, text or phone communication about your request.
What our service does
We provide a free online loan-request and matching service that passes your request to lenders and lending partners in our network who may be able to offer you a personal loan.
Requests can range from $500 to $5,000. We do not charge you to submit a request, and you have no obligation to accept any offer. Lenders and partners may pay us for referrals, as explained in our advertiser and lending disclosure. Our educational guides, calculators and examples are for general information only and are not financial, legal or tax advice.
We are not a lender
We are not a lender, broker or financial adviser, we do not make credit decisions, and no lending relationship is created between you and us when you submit a request.
Any loan you receive is a contract between you and the lender alone. The lender decides whether to approve your request and sets the amount, APR, term, fees and funding timing. Questions about an offer, a signed agreement or a payment must go to the lender. We are not responsible for a lender's decisions, products, communications or conduct.
No promise of approval, rates or offers
We do not promise that you will be matched with a lender, receive an offer, be approved, get a specific rate or term, or receive funds by any particular time.
Many requests receive no offer, and offers that are made may differ from what you requested. Any rates, payments, timelines or examples shown on the site, including payment estimates and representative examples, are estimates only. Actual terms come from the lender after it reviews your information. Typical personal loan APRs run roughly 6% to 36%, and some lenders may not operate in your state.
Who may use the service
You may submit a request only if you are at least 18 years old, a legal resident of the United States, and able to form a binding contract under the laws of your state.
Lenders set their own additional requirements, such as minimum income, an active bank account and a valid Social Security number. Meeting our basic eligibility does not mean any lender will approve you. You may submit a request only for yourself, not on behalf of another person.
Your responsibility for accurate information
You agree that every detail you enter in the request form is true, complete and your own, and that you will not use another person's identity or submit a request for an unlawful purpose.
Lenders rely on what you provide. Inaccurate information can cause a decline, a changed offer, or legal consequences. You authorize us and the lenders and partners that receive your request to verify your information, including by obtaining consumer reports. Some lenders may run a soft credit check to show options, and a lender usually runs a hard credit check only if you move forward with a specific offer.
Consent to be contacted
By submitting a request, you agree that we and the lenders and partners that receive it may contact you about your request by email, phone call and text message at the details you provide.
By submitting the request form, you give your express written consent for us and for the lenders and lending partners that receive your request to contact you at the phone number you provide, including any mobile number, using automated telephone dialing systems, artificial or prerecorded voice messages, and text messages, for purposes related to your loan request and related financial products. This consent applies even if your number appears on a federal, state or internal do-not-call list. Consent is not a condition of receiving any loan or service, and you may contact us at (888) 507-6260 instead of submitting the form. Message and data rates may apply, and message frequency varies.
You can withdraw consent at any time by replying STOP to a text, asking a caller to stop calling, or emailing [email protected]. Withdrawing consent with us does not withdraw it with lenders that already received your request; contact them directly to stop their messages. You agree to tell us if the phone number you provided is reassigned or no longer yours.
Electronic records and signatures
You agree that we may provide notices and records electronically, and that your electronic submission of the request form has the same legal effect as a signed paper document.
Lenders may ask you to agree to their own electronic disclosure terms before sending a personal loan offer or loan agreement.
Acceptable use of the site
You agree not to misuse the website, including by submitting fake requests, scraping content, interfering with security features, or using automated tools to access the request form.
We may suspend or block access for anyone who violates these terms or whose activity appears fraudulent.
Intellectual property
All text, guides, graphics, calculators, design and code on the site belong to us or our licensors and are protected by copyright, trademark and other laws.
You may view and print pages for your personal, noncommercial use. You may not copy, republish, sell or create derivative works from our content without written permission.
Disclaimers
The website and service are provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent the law allows.
We disclaim warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We work to keep our guides current and correct, but we do not warrant that every statement, rate example or figure is complete or error-free, or that the site will be uninterrupted or free of harmful components. Third-party content, including lender materials and any amone reviews posted on other websites, is the responsibility of its owner.
Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect, incidental, special or consequential damages arising from your use of the site, the service, or any loan or lender.
Our total liability for any claim relating to the site or service will not exceed one hundred U.S. dollars. Some states do not allow certain limitations, so parts of this section may not apply to you. You agree to indemnify us against claims arising from information you submit or from your violation of these terms.
Governing law and disputes
Missouri law and applicable federal law govern these terms, along with any dispute about the site, and conflict-of-law rules do not change that.
Any dispute that cannot be resolved informally will be brought in the state or federal courts located in Cole County, Missouri, and you consent to their jurisdiction, unless the law of your state requires otherwise. Before filing a claim, please contact us so we can try to resolve the issue.
Changes to these terms
We may update these Terms of Use from time to time, and the version posted on this page applies whenever you use the site or submit a request.
Continuing to use the site after changes are posted means you accept the updated terms. If any part of these terms is found unenforceable, the remaining parts stay in effect.
Contact
Questions about these terms or an amone loan request can be sent to our team by email, phone or mail, and we usually reply within one business day.
Email [email protected], call (888) 507-6260, or write to 4039 Willow Drive, Suite 129, Jefferson City, MO 65101.