Terms and Conditions for LoanCrunch.xyz
IMPORTANT NOTICE
LoanCrunch.xyz is not a lender and does not represent lenders as a loan broker or in any other capacity other than as a loan referral service. We offer free rate quotes with no impact on your credit. LoanCrunch.xyz does not run your credit and is not acting as a credit services agent for you. LoanCrunch.xyz (the “Site”) collects the information you provide on this and subsequent forms to connect you with a personal loan lender based on your complete application. While we help many people with bad or no credit achieve their goals, we cannot guarantee this for everyone.
We have some Loan Providers that can issue pre-approvals without performing any credit check and others that can issue pre-approvals and approvals via a soft credit check (no impact on your credit score or rating). Once connected with a lender, they may need additional information from you, including your SSN, for a soft credit inquiry. There is no impact on your credit score or rating when a lender performs a soft credit inquiry. Once pre-approved, some lenders may need to perform a hard credit inquiry to finalize and finance your loan. For more information on hard and soft credit inquiries and their effects on your credit score, please visit: Experian Blog.
If you submit an application for a loan request that requires a credit check for funding, you provide written consent under the Fair Credit Reporting Act for LoanCrunch.xyz and its lenders to obtain consumer report information from your credit profile or other information from our contracted Credit Bureau. By submitting an application for credit, you consent to the use of your consumer report information by LoanCrunch.xyz and its lenders to conduct anti-fraud security checks and evaluate your application for credit. Your application may be connected with multiple lenders, each of whom may obtain consumer report information from your credit profile.
Prospective lenders will evaluate your application information to determine whether they can offer you a personal loan. LoanCrunch.xyz does not guarantee that it will place you with a lender in its direct network or that your loan application will be approved by any lender. Each lender will make its own approval decision based on the specific criteria applicable to the loan program for which you have applied.
The operator of this website is not a lender and does not make loan or credit decisions in connection with its loan service. Completion of this application in no way guarantees that you will be approved for a personal loan. This site will attempt to connect you with a personal loan lender based on your application.
Not all lenders can provide up to $35,000. Repayment terms vary by lenders and local laws, and not everyone will qualify for maximum borrowing terms of 72 months. Rates, terms, and fees will be based on your individual credit history and underwritten by the lender, not LoanCrunch.xyz. LoanCrunch.xyz cannot guarantee final terms, rates, or repayments as they vary by lender. Providing your information on this Website does not guarantee approval for a product offering.
User Data and Consent to Contact
By submitting your information, you authorize LoanCrunch.xyz and its Loan Providers to contact you at the provided number and address (including your wireless number, if provided) in connection with your personal loan request and for other marketing purposes via auto-dialed calls, pre-recorded messages, text messages, and/or email. Your consent is not required as a condition of purchasing any goods or services and may be revoked at any time. One of the providers we may connect you with is CreditOptions (a dba of EFolks LLC). By requesting that CreditOptions contact you, you agree to the CreditOptions Terms of Use and agree to arbitrate all claims between you and CreditOptions on an individual basis only, not as part of any class.
DISCLAIMER OF WARRANTIES
The information and services on this Site are provided "as is" for informational purposes only. LoanCrunch.xyz makes no representations or warranties that the Site will be suitable for your needs, accurate, complete, current, reliable, or free from errors. LoanCrunch.xyz disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement of the rights of others.
LIMITATION OF LIABILITY
IN NO EVENT SHALL LOANCRUNCH.XYZ OR ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND THE SERVICES OFFERED HEREBY, OR THE CONTENT, MATERIALS, AND FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00). THE ABOVE LIMITATION MAY NOT APPLY IN ALL JURISDICTIONS OR TO ALL USERS. IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE SITE.
Agreement Not To Bring, Join Or Participate In Class Actions
To the extent permitted by law, you agree that you will not bring, join, or participate in any class action as to any claim, dispute, or controversy you may have against us, our employees, officers, directors, servicers, and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.
Agreement To Arbitrate All Disputes
To the extent permitted by law, you agree that any claim or controversy arising in connection with your use of the Website or the services provided by LoanCrunch.xyz shall be determined by arbitration in Raleigh, North Carolina before a single arbitrator. The arbitration shall be administered by JAMS pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude you or us from seeking injunctive relief from a court of appropriate jurisdiction.
Updates
These Terms and Conditions are subject to change from time to time, and such changes will be effective upon posting to the Site. Use of the Site following any modifications to the Terms and Conditions signifies your acceptance of such modifications.
Applicable Laws
The Site and these Terms and Conditions are governed by the laws of the State of North Carolina without giving effect to any principles of conflict of laws. If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby. Any dispute arising from your use of this Site shall be brought exclusively in the appropriate state or federal courts of the State of North Carolina. Persons who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws, if applicable. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred.
LoanCrunch.xyz is not a lender and does not represent lenders as a loan broker or in any other capacity other than as a loan referral service. We offer free rate quotes with no impact on your credit. LoanCrunch.xyz does not run your credit and is not acting as a credit services agent for you. LoanCrunch.xyz (the “Site”) collects the information you provide on this and subsequent forms to connect you with a personal loan lender based on your complete application. While we help many people with bad or no credit achieve their goals, we cannot guarantee this for everyone.
We have some Loan Providers that can issue pre-approvals without performing any credit check and others that can issue pre-approvals and approvals via a soft credit check (no impact on your credit score or rating). Once connected with a lender, they may need additional information from you, including your SSN, for a soft credit inquiry. There is no impact on your credit score or rating when a lender performs a soft credit inquiry. Once pre-approved, some lenders may need to perform a hard credit inquiry to finalize and finance your loan. For more information on hard and soft credit inquiries and their effects on your credit score, please visit: Experian Blog.
If you submit an application for a loan request that requires a credit check for funding, you provide written consent under the Fair Credit Reporting Act for LoanCrunch.xyz and its lenders to obtain consumer report information from your credit profile or other information from our contracted Credit Bureau. By submitting an application for credit, you consent to the use of your consumer report information by LoanCrunch.xyz and its lenders to conduct anti-fraud security checks and evaluate your application for credit. Your application may be connected with multiple lenders, each of whom may obtain consumer report information from your credit profile.
Prospective lenders will evaluate your application information to determine whether they can offer you a personal loan. LoanCrunch.xyz does not guarantee that it will place you with a lender in its direct network or that your loan application will be approved by any lender. Each lender will make its own approval decision based on the specific criteria applicable to the loan program for which you have applied.
The operator of this website is not a lender and does not make loan or credit decisions in connection with its loan service. Completion of this application in no way guarantees that you will be approved for a personal loan. This site will attempt to connect you with a personal loan lender based on your application.
Not all lenders can provide up to $35,000. Repayment terms vary by lenders and local laws, and not everyone will qualify for maximum borrowing terms of 72 months. Rates, terms, and fees will be based on your individual credit history and underwritten by the lender, not LoanCrunch.xyz. LoanCrunch.xyz cannot guarantee final terms, rates, or repayments as they vary by lender. Providing your information on this Website does not guarantee approval for a product offering.
User Data and Consent to Contact
By submitting your information, you authorize LoanCrunch.xyz and its Loan Providers to contact you at the provided number and address (including your wireless number, if provided) in connection with your personal loan request and for other marketing purposes via auto-dialed calls, pre-recorded messages, text messages, and/or email. Your consent is not required as a condition of purchasing any goods or services and may be revoked at any time. One of the providers we may connect you with is CreditOptions (a dba of EFolks LLC). By requesting that CreditOptions contact you, you agree to the CreditOptions Terms of Use and agree to arbitrate all claims between you and CreditOptions on an individual basis only, not as part of any class.
DISCLAIMER OF WARRANTIES
The information and services on this Site are provided "as is" for informational purposes only. LoanCrunch.xyz makes no representations or warranties that the Site will be suitable for your needs, accurate, complete, current, reliable, or free from errors. LoanCrunch.xyz disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement of the rights of others.
LIMITATION OF LIABILITY
IN NO EVENT SHALL LOANCRUNCH.XYZ OR ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND THE SERVICES OFFERED HEREBY, OR THE CONTENT, MATERIALS, AND FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00). THE ABOVE LIMITATION MAY NOT APPLY IN ALL JURISDICTIONS OR TO ALL USERS. IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE SITE.
Agreement Not To Bring, Join Or Participate In Class Actions
To the extent permitted by law, you agree that you will not bring, join, or participate in any class action as to any claim, dispute, or controversy you may have against us, our employees, officers, directors, servicers, and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney's fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.
Agreement To Arbitrate All Disputes
To the extent permitted by law, you agree that any claim or controversy arising in connection with your use of the Website or the services provided by LoanCrunch.xyz shall be determined by arbitration in Raleigh, North Carolina before a single arbitrator. The arbitration shall be administered by JAMS pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude you or us from seeking injunctive relief from a court of appropriate jurisdiction.
Updates
These Terms and Conditions are subject to change from time to time, and such changes will be effective upon posting to the Site. Use of the Site following any modifications to the Terms and Conditions signifies your acceptance of such modifications.
Applicable Laws
The Site and these Terms and Conditions are governed by the laws of the State of North Carolina without giving effect to any principles of conflict of laws. If any provision of these Terms and Conditions is held to be invalid, illegal, or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby. Any dispute arising from your use of this Site shall be brought exclusively in the appropriate state or federal courts of the State of North Carolina. Persons who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws, if applicable. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred.
