These Terms of Use (“Terms”) are an agreement between you and Loans Offer Today LLC (“Loans Today,” “we,” “us” or “our”) about your use of the Loans Today app for iPhone (the “App”), the website loansoffertoday.com and its request form (the “Website”), and their features, including the loan payment Calculator and the Rates tab (together, the “Service”). You accept these Terms when you check the box agreeing to them in the App or otherwise use the Service.
SECTION 14 CONTAINS A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION AND JURY TRIAL WAIVER. YOU CAN OPT OUT AS EXPLAINED THERE.
1. Not a lender
Loans Today is a loan-matching service. We connect your request with participating lenders and providers (“Providers”) that may review your information and present available options. We are not a lender, broker or financial advisor, and we do not originate, fund, broker or service loans or make lending decisions. All approvals, APRs, fees, repayment terms, funding times and final loan conditions are determined by the Provider. Any loan agreement is solely between you and the Provider.
2. Who can use the Service
You may use the Service only if you are at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi), a resident of the United States with a valid phone number and email address, have a source of income and an active bank account in your own name, and can enter into a binding contract. Providers apply their own eligibility criteria. If you or a dependent are an active-duty member of the armed forces, Providers must give you the protections of the federal Military Lending Act.
3. Loan amounts, terms and rates
Through the Service, you can request from $100 to $5,000. Providers offer repayment terms from a minimum of 3 months to a maximum of 30 months, with APRs from a minimum of 5.49% to a maximum of 35.00%. No Provider offering loans through the Service may require repayment in full in 60 days or less.
Representative example: a $1,000 loan at 24.00% APR repaid in 12 monthly payments would have a monthly payment of $94.56 and a total repayment of $1,134.72. This is an illustration, not an offer.
Fees vary by Provider and may include origination or late fees; some Providers do not charge prepayment penalties. Your final amount, APR, fees and term appear in the Provider’s loan agreement, which controls over anything shown in the Service. See our Disclosures for more detail.
4. Calculator and Rates tab
The Calculator and the Rates tab are for information only. Calculator results are estimates based on the numbers you enter; they are not offers, quotes or credit decisions, and your actual payment may differ. Ranges shown on the Rates tab describe what participating Providers typically offer and do not guarantee that you will receive any particular rate or term.
5. Your request and consents
You agree to provide accurate, current and complete information and to submit requests only for yourself. We verify your phone number with a one-time code. Before your request is shared, the App asks for three separate consents. By giving them, you:
- agree to these Terms and our Privacy Policy;
- authorize Loans Today to use your information to review your request and match you with available financial options;
- authorize Loans Today to share your information with participating Providers so they can evaluate your request and present potential offers.
Submitting a request does not guarantee approval, funding or a specific offer, and you are never obligated to accept an offer.
6. Credit checks by Providers
Loans Today does not check your credit, and submitting a request through Loans Today does not affect your credit score. By sharing your request, you give written instructions under the Fair Credit Reporting Act authorizing each Provider that receives it, and its service providers, to obtain consumer reports about you and to verify your identity, income, employment and bank account in order to evaluate your request, prevent fraud and, if you take a loan, service it. A Provider may perform a hard credit inquiry, which can lower your credit score, if you continue with its offer. Any credit inquiry is performed by the Provider under its own terms and disclosures.
7. Free to use
Using the Service costs you nothing. Providers or marketing partners may compensate us when a request is matched or an offer is accepted. This may influence which Providers are displayed and their order, but it does not change the APR, fees or terms a Provider offers you. See How We Make Money.
8. Communications and electronic records
You agree that Loans Today and the Providers you are matched with may contact you about your request by email, text message and phone, including through automated technology, at the contact details you provide. Consent to marketing messages is not a condition of using the Service or getting a loan. Reply STOP to stop text messages. Message and data rates may apply.
Under the federal Electronic Signatures in Global and National Commerce Act, you agree to receive these Terms, our policies and all notices and disclosures electronically in the App, on the Website or by email, and that checking a box in the App is your electronic signature. You need an iPhone with a supported version of iOS or a current web browser, internet access and an email account. You can request a free paper copy of any record, or withdraw this consent at no charge, by emailing support@loansoffertoday.com; because the Service works only electronically, withdrawing consent ends your use of it.
9. Acceptable use
You may not submit false or another person’s information, use the Service for any unlawful purpose, interfere with or attempt to gain unauthorized access to the Service, use automated tools to access or collect data from it, or copy, modify, resell or reverse engineer any part of it.
10. Providers and third-party sites
Offer details, ratings and descriptions shown in the Service come from Providers or third parties. We do not guarantee that they are complete or current and do not endorse any Provider. When you continue with a Provider, its terms and privacy policy apply. Loans Today is not responsible for any Provider’s decisions, loan servicing, collection practices or other conduct. For questions about an active loan, contact your Provider directly.
11. Intellectual property
The Service and its content, including the Loans Today name, logo, design, text and software, belong to Loans Today or its licensors. We grant you a limited, personal, non-exclusive, non-transferable and revocable license to use the App on Apple devices you own or control, under these Terms and the Usage Rules of the Apple Media Services Terms and Conditions.
12. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, TO THE EXTENT PERMITTED BY LAW. WE DO NOT WARRANT THAT YOU WILL BE MATCHED, RECEIVE AN OFFER OR BE APPROVED, THAT CALCULATOR RESULTS OR OFFER DETAILS ARE ACCURATE, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. Nothing in the Service is financial, legal or tax advice.
13. Limitation of liability and indemnity
TO THE EXTENT PERMITTED BY LAW, LOANS TODAY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS ARISING FROM A LOAN, A PROVIDER’S CONDUCT OR RELIANCE ON CALCULATOR ESTIMATES. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED $100. You agree to indemnify Loans Today against claims, losses and expenses, including reasonable attorneys’ fees, arising from your breach of these Terms or from information you submit.
14. Arbitration and class action waiver
Before filing a claim, email support@loansoffertoday.com with a description of the dispute and allow us 30 days to resolve it. Any dispute that is not resolved will be decided by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration may be held by video, by phone or in the county where you live. Either party may bring an individual claim in small claims court instead. You and Loans Today each waive the right to a jury trial and to bring or join any class, collective or representative action.
You may opt out of this Section 14 by emailing support@loansoffertoday.com within 30 days after you first accept these Terms, with the subject “Arbitration Opt-Out” and your name and phone number.
15. Governing law
The Federal Arbitration Act governs Section 14. Otherwise, these Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-law rules. Any claim not subject to arbitration must be brought in the state or federal courts located in Natrona County, Wyoming.
16. Apple App Store
These Terms are between you and Loans Today only, not Apple Inc. (“Apple”). Apple is not responsible for the App or its content and has no obligation to provide maintenance or support for it. If the App fails to conform to an applicable warranty, you may notify Apple, which will refund any purchase price; Apple has no other warranty obligation for the App. Loans Today, not Apple, is responsible for addressing any claims relating to the App, including product liability claims, claims that the App fails to meet legal or regulatory requirements, consumer protection claims and intellectual property infringement claims. You represent that you are not located in a country subject to a U.S. government embargo and are not on any U.S. government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
17. Changes and termination
We may update these Terms and will post the new version with a new date, notifying you in the App or by email before material changes take effect. Continued use after that date means you accept the changes. We may change, suspend or discontinue the Service at any time. Sections 6 and 10 through 16 survive termination.
18. Contact
Loans Offer Today LLC, 1551 Three Crowns Dr, Casper, WY 82604-3174, United States. Email: support@loansoffertoday.com.