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Legal Information

If you're interested in understanding the legal aspects of personal loans, we've outlined some essential information below. Keep in mind that these details are for general reference, and legal rules can change over time. For the most current legal guidance, we suggest visiting official government sites and reputable sources.

Who Can Apply for a Personal Loan?

According to U.S. law, personal loans are offered only to U.S. residents. Applicants must be at least 18 years old and have a stable income. If you meet these criteria—being an adult, a legal U.S. resident, and having a steady income—you can apply for a loan through our platform.

How Is User Data Handled?

Our Privacy Policy outlines how we manage your personal information.

What Is a Loan Agreement?

A loan agreement is a legal document between you and the lender, specifying the terms of the loan. If either side fails to uphold the agreement, there could be legal consequences.

What Finalizes a Loan Agreement?

When you electronically sign a loan agreement, you are legally agreeing to its terms. Your e-signature confirms full acceptance, so be sure to read all terms carefully before signing.

Are There Rules for Using Our Website?

For details on how to use our site, please review our Terms section.

What Can We Tell You About Rates and Fees?

Using our platform is completely free. Some of our partners offer microloans with 0% interest for first-time borrowers. However, specific rates and fees are included in your loan agreement, and we don't have access to that information. You can review the exact terms on the lender's site after choosing a loan.