Terms & Conditions
Last Updated: January 2026
Acceptance of Terms
By accessing and using LoanAdvice.com ("Website"), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Website or services.
Service Description
LoanAdvice.com is NOT a lender. We are a free online service that connects consumers with lenders and financial service providers. We do not make loans, credit decisions, or guarantee that you will receive a loan offer. The lenders in our network make all lending decisions independently.
Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be a U.S. citizen or permanent resident
- Have a valid email address and phone number
- Have a valid bank account
- Provide accurate and complete information
User Responsibilities
You agree to:
- Provide true, accurate, current, and complete information
- Not use the service for any unlawful purpose
- Not impersonate any person or entity
- Not interfere with or disrupt the service
Consent to Contact
By submitting your information through our Website, you provide express written consent for LoanAdvice.com, its lending partners, and marketing partners to contact you at the phone number and email address you provided. This includes calls, text messages, pre-recorded messages, and emails for marketing purposes. You understand that consent is not a condition of purchasing any goods or services.
Marketing Communications
By using our services, you agree that your information may be shared with and used by our marketing partners for promotional purposes. This may include offers for loans, financial products, and other services. See our Marketing Partners page for a list of partners.
No Guarantee
We do not guarantee that you will be matched with a lender, receive a loan offer, or be approved for any loan. Loan terms, rates, and availability vary by lender and your individual circumstances.
Disclaimer of Warranties
THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOANADVICE.COM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE OR SERVICES.
Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the service constitutes acceptance of the modified Terms.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.
Contact Us
If you have any questions about these Terms, please contact us at legal@loanadvice.com.