Terms of Use

Effective Date: 4/17/24

Welcome to SignatureLoans.com. By accessing or using our website, you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully before using our services. If you do not agree with any part of these terms, please do not use our website.

1. Use of Website:

You must be at least 18 years old to use our website.

You agree to use our website for lawful purposes only and in accordance with these Terms of Use.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

2. Intellectual Property:

All content, trademarks, logos, and intellectual property displayed on SignatureLoans.com are the property of SignatureLoans.com or its licensors and are protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, transmit, or create derivative works of any content from our website without our prior written consent.

3. User Contributions:

You may submit comments, feedback, or other content to our website (“User Contributions”).

By submitting User Contributions, you grant us a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Contributions worldwide in any media.

4. Prohibited Activities:

You agree not to engage in any of the following activities:

Violating any applicable laws or regulations.

Transmitting any unauthorized or unsolicited advertising, promotional materials, or spam.

Interfering with or disrupting the operation of our website or servers.

Impersonating any person or entity or falsely stating or otherwise misrepresenting your affiliation with a person or entity.

Collecting or harvesting any personally identifiable information from our website.

5. Disclaimer of Warranties:

Our website is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information and materials provided on our website.

We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement of intellectual property rights.

6. Limitation of Liability:

To the fullest extent permitted by law, we shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of our website or these Terms of Use, even if we have been advised of the possibility of such damages.

7. Indemnification:

You agree to indemnify, defend, and hold harmless SignatureLoans.com and its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or in connection with your use of our website or violation of these Terms of Use.

8. Governing Law:

These Terms of Use shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflicts of law principles.

9. Changes to Terms of Use:

We reserve the right to update or modify these Terms of Use at any time without prior notice. Any changes will be effective immediately upon posting the updated terms on our website. Your continued use of our website after the posting of any revised terms constitutes your acceptance of the revised terms.

10. Contact Us:

If you have any questions, concerns, or feedback regarding these Terms of Use, please contact us at signatureloans.com/contact-us.

Thank you for using SignatureLoans.com.

Important Disclosures. Please Read Carefully.

Signatureloans.com is not a lender and does not make credit decisions. Signatureloans.com connects interested persons with a lender from its network of approved lenders. Signatureloans.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. This service is not available in all states. Residents of West Virginia, Vermont, South Dakota, New York, New Jersey, Illinois, Connecticut, or Arizona are not eligible to use the service to request a loan. By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. Signatureloans.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to Signatureloans.com, you are giving lenders in MyUSALoan.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus as well as from alternative credit bureaus such as Teletrack or DP Bureau. Signatureloans.com receives compensation from its lenders based on advertising services. Signatureloans.com is a free service and will never charge a fee to be connected to a lender.

Representative APR Range

Signatureloans.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process. The APR on a personal loan can range from 5.99% to 35.99% depending on how the APR is calculated, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. Some states cap APR and the amounts of charges for online personal loan.

Implications of Late and Non Payment

Your lender may charge you late fees as well as fees for non-sufficient funds. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature. Non-payment may involve debt collection practices as it is set by applicable law. Your lender may set late payment fees in accordance with state regulations. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind you that late payment or non-payment of your loan can have negative impact on your credit history. Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installment. You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.