Legal Information

If you want to learn more about personal loans from a legal point of view, here’s some helpful information. Please note: this is provided for general guidance only. Legal details may change, so always consult official government sources for the most up-to-date rules and regulations.

We recommend reviewing this section before submitting a loan request.

Are personal loans legal in the United States?

Yes. However, each state regulates online lending differently. It’s wise to check with your state’s authorities or visit official websites to understand your specific rights and conditions.

Who’s eligible for a personal loan?

Under U.S. law, only residents of the United States aged 18 or older with a stable source of income are eligible. If you’re a legal U.S. resident and financially independent, you can use our website to submit a loan request.

What is a loan agreement?

A loan agreement is a legally binding contract between you and a lender. It outlines the terms of your loan. If either party violates the agreement, there may be legal consequences.

What makes a loan agreement complete?

Once you electronically sign (e-sign) the loan agreement, it becomes legally valid. By signing, you agree to all included terms and cannot cancel after submission. Always review everything carefully before signing.

What is your policy on the management of users’ data?

Please read our Privacy Policy for full details on how we handle and protect your information.

Are there any terms concerning usage of your website?

Yes — visit our Terms of Use page for detailed conditions related to website access and functionality.

What can you tell me about rates and fees?

Our website is completely free to use. Loan rates and fees depend on the lender and are listed in your loan agreement. For general info, visit our Rates and Fees section.