If you're seeking to understand personal loans from a legal standpoint, we've outlined a basic overview below. Please remember that this information is for general guidance, and legal regulations may evolve over time. For the most current legal information, we suggest consulting government websites and reliable sources.
According to U.S. law, personal loans are available only to U.S. residents. Applicants must be at least 18 years old and have a steady source of income. If you meet these criteria—being a legal U.S. resident, of legal age, and with a stable income—you can apply for a loan through our platform.
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A loan contract is a binding legal agreement between you and the lender that details the terms of the loan. Legal consequences may arise if either party fails to meet the contract's conditions.
When you e-sign a loan agreement, it becomes legally binding, and you are required to comply with its terms. Your e-signature shows full acceptance, so it is essential to review all terms thoroughly before signing.
For information on the terms related to using our website, please refer to our Terms section.
Using our website is completely free. Many of our partners offer microloans with 0% interest for new customers. However, specific rates and fees are detailed in your loan agreement, and we do not have direct access to this information. You can find the exact details on the lender's website once you select a loan.
This website is not a bank, lender, or financial institution. It serves as an intermediary, linking clients looking for loans with licensed financial institutions. The website does not take responsibility for any loan agreements and does not charge a service fee. It is not accountable for the actions, omissions, or interest rates of any lender. You are not obligated to use the service, initiate contact, or apply for credit with any lender you are connected to through the site.
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