Terms of Use

Last updated: September 11, 2026

These Terms of Use ("Terms") are a legal agreement between you and [Company legal name — to be added] ("LoanPathway," "we," "us," or "our") that governs your use of loanpathway.info (the "Site") and the loan-request service offered on it (the "Service"). Please read them carefully. By using the Site or submitting a request, you agree to these Terms and to our Privacy Policy.

Please note: Section 12 contains an arbitration agreement and class-action waiver that affect how disputes are resolved. You may opt out of arbitration as described in that section.

1. What Our Service Is

LoanPathway offers a free service that lets you submit one loan request. We transmit your request, through our lead-distribution partner, Lending Revenue (lendingrevenue.net), to a network of third-party lenders and lead buyers that may choose to make you an offer.

We are not a lender. We do not make loans, make credit decisions, or broker loans, and we are not an agent, representative or broker of any lender.
We do not charge you any fee for using the Service. We are paid by lenders and partners. See our Advertiser Disclosure.
We do not endorse any particular lender or loan product, and we are not responsible for any lender's actions, rates, fees or terms.

2. Eligibility

To use the Service you must:

Be at least 18 years old (or the age of majority in your state, if higher);
Be a legal resident of the United States;
Reside in a state where the Service is available. We currently do not accept requests from residents of New York or Illinois; and
Be legally able to enter into a binding contract.

Individual lenders have their own eligibility requirements, which may be stricter.

3. Accuracy of Your Information

You agree to provide true, accurate, current and complete information about yourself, and to submit a request only for yourself. Providing false information, or using someone else's identity, may be a crime and may result in your request being rejected. You authorize us, our partners and lenders to verify the information you submit, as described in our Credit Authorization.

4. No Guarantee of an Offer

Submitting a request does not guarantee that you will receive an offer, be approved, or receive a particular loan amount, rate or term. Lenders decide for themselves whether to make an offer and on what terms. Loan amounts, rates, fees and repayment terms vary by lender and by state. See our Rates & Fees and Lending Policy pages.

5. Third-Party Lender Websites

If a lender is able to make you an offer, you may be redirected to that lender's website to review the loan terms. The lender's site is operated by the lender, not by us, and is governed by the lender's own terms and privacy policy. Review all terms, including the APR, fees and repayment schedule, before accepting. You are never obligated to accept an offer. Any loan agreement is solely between you and the lender.

6. Consent to Communications

If you check the consent box on our form, you agree to receive calls, text messages and emails from LoanPathway, lenders and marketing partners, as described in the consent language shown on the form and on our Marketing Partners page. This may include autodialed or prerecorded calls and text messages, even if your number is on a Do-Not-Call list. Your consent is not a condition of any loan or service. Message and data rates may apply. You may revoke consent at any time by replying STOP to a text, using an email unsubscribe link, or emailing [email protected].

You also agree to receive records and disclosures electronically, as described in our Consent to Electronic Records and Signatures.

7. Prohibited Uses

You agree not to:

Submit false, misleading or fraudulent information, or information about another person;
Use the Site for any unlawful purpose or in violation of these Terms;
Use bots, scripts, scrapers or other automated means to access the Site or submit requests;
Interfere with, disrupt or attempt to gain unauthorized access to the Site, its servers or networks;
Introduce viruses or other harmful code; or
Copy, resell or commercially exploit any part of the Site without our written permission.

8. Intellectual Property

The Site and its content, including text, graphics, logos and software, are owned by or licensed to [Company legal name — to be added] and are protected by copyright, trademark and other laws. We grant you a limited, personal, non-exclusive, non-transferable license to view and use the Site for its intended purpose. All other rights are reserved.

9. Disclaimers

THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY LENDER WILL MAKE YOU AN OFFER, OR THAT ANY OFFER WILL BE THE BEST AVAILABLE TO YOU. INFORMATION ON THE SITE IS FOR GENERAL INFORMATIONAL PURPOSES ONLY AND IS NOT FINANCIAL, LEGAL OR TAX ADVICE.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, [Company legal name — to be added] AND ITS OFFICERS, EMPLOYEES, AGENTS AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICE, OR ANY LOAN OR DEALINGS WITH ANY LENDER OR THIRD PARTY. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE LIMITS MAY NOT APPLY TO YOU.

11. Indemnification

You agree to defend, indemnify and hold harmless [Company legal name — to be added] and its officers, employees, agents and partners from any claims, losses, liabilities and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Site, or any false information you submit.

12. Arbitration Agreement and Class-Action Waiver

Please read this section carefully.

Agreement to arbitrate: You and [Company legal name — to be added] agree that any dispute, claim or controversy arising out of or relating to these Terms, the Site or the Service ("Dispute") will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small claims court if it qualifies.
Informal resolution first: Before starting arbitration, the party raising a Dispute must send the other a written notice describing it. We will try in good faith to resolve it within 30 days. Send notices to us at [Street address, City, State ZIP — to be added] or [email protected].
Arbitration rules: Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, before a single arbitrator. The Federal Arbitration Act governs this section. The arbitration may be conducted by phone, video, in writing, or in person in the county where you live.
Costs: Payment of filing, administrative and arbitrator fees will be governed by the AAA Consumer Arbitration Rules. For claims under $10,000, we will pay those fees unless the arbitrator finds your claim frivolous.
Class-action waiver: You and we agree that Disputes will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated or representative proceeding. The arbitrator may not consolidate claims of more than one person. YOU AND WE WAIVE ANY RIGHT TO A JURY TRIAL.
Right to opt out: You may opt out of this arbitration agreement by emailing [email protected] with the subject line "Arbitration Opt-Out" within 30 days after you first use the Site or submit a request. Include your name, the email address and phone number you used, and a clear statement that you wish to opt out of arbitration. Opting out does not affect any other part of these Terms.
Severability: If the class-action waiver is found unenforceable, the entire arbitration agreement will not apply. If any other part of this section is found unenforceable, the rest will remain in effect.

13. Governing Law

These Terms are governed by the laws of the United States and the state in which [Company legal name — to be added] is organized, without regard to conflict-of-laws principles. To the extent a Dispute is not subject to arbitration, it will be heard in the state or federal courts located in that state, and you consent to their jurisdiction.

14. Changes to These Terms

We may change these Terms from time to time. When we do, we will update the "Last updated" date above. Changes apply from the date they are posted and do not apply to Disputes that arose before the change. Your continued use of the Site after changes are posted means you accept them.

15. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. Our failure to enforce a right is not a waiver of that right. These Terms, together with our Privacy Policy and the other policies referenced here, are the entire agreement between you and us about the Site.

16. Contact Us

[Company legal name — to be added]
[Street address, City, State ZIP — to be added]
Phone: [(000) 000-0000 — to be added]
Email: [email protected]