Terms of Service

By using www.loan.me or engaging loan.me, Inc. for services, you agree to these terms. If you are accepting on behalf of a company, you represent that you have authority to bind that company.

loan.me operates an online marketplace that helps consumers and businesses compare and apply for loan, credit card, and insurance products from licensed third-party providers.loan.me is not a lender, bank, or insurance carrier and does not make credit decisions. Final approval, terms, funding, and servicing are the sole responsibility of the provider you choose. Rates, fees, and terms displayed on the platform are provided by the partner and may change between pre-qualification and final application.

loan.me is free for borrowers. We are compensated by our lender and carrier partners on a flat referral basis when a borrower accepts an offer. Compensation does not influence the order in which offers are displayed offers are ranked by total cost to the borrower.

By requesting offers, you authorize loan.me to verify your information and share it with partner lenders to return pre-qualified offers. A hard credit inquiry which may affect your score occurs only after you separately consent and complete a formal application with a partner lender.

• Provide accurate and complete information on every application.
• Use the platform only for lawful, personal-borrowing or business-financing purposes.
• Be at least 18 years old and a U.S. resident with a valid government-issued ID.
• Read each lender's disclosures, loan agreement, and rate sheet before signing.

Content on loan.me, including calculators and articles, is for general information only and is not financial, legal, or tax advice. We do not guarantee that any lender will pre- qualify you, approve your formal application, fund any loan, or quote any specific rate. All credit decisions are made solely by the partner lender or carrier.

You consent to receive disclosures, notices, and account documents electronically, and to sign loan documents electronically through our partners, consistent with the federal E-SIGN Act and applicable state UETA laws.

By providing your phone number, you consent to receive autodialed calls, prerecorded messages, and SMS messages from loan.me and the lenders you are matched with, at the number provided, regarding your inquiry. Consent is not a condition of any purchase or credit. Message and data rates may apply. Reply STOP to opt out at any time.

The platform is provided "as is" without warranties of any kind. We do not guarantee uninterrupted service, error-free operation, or that offers shown will match those ultimately extended by a lender. Loan and insurance products are subject to credit approval, underwriting, verification of information, and the partner's then-current terms.

To the maximum extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential, or punitive damages. Our aggregate liability arising out of or relating to the services is capped at one hundred U.S. dollars ($100) or the amount of referral compensation we received in connection with your account in the preceding 12 months, whichever is greater.

You may stop using the platform and close your loan.me account at any time by emailing support@loan.me. We may suspend or terminate accounts for fraud, abuse, or violation of these Terms. Active loan and insurance contracts entered into with our partners are governed by those partners' separate agreements and survive termination of your loan.me account.

These Terms are governed by the laws of the state in which loan.me, Inc. is organized, without regard to conflict-of-law principles. Disputes between you and loan.me will be resolved by binding individual arbitration, except for small-claims court matters and equitable relief. You waive any right to participate in a class action against loan.me.

We may update these Terms. Material changes will be posted at this URL. Continued use of the site or services after a change constitutes acceptance.

Questions about these terms? Email support@loan.me.