Terms & Conditions

Welcome to CheckLoanRates.online (“we,” “us,” “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website, https://checkloanrates.online (the “Website”).

By using this Website, you agree to comply with and be bound by these Terms.

If you do not agree to these Terms, please discontinue use of the Website immediately.

1. About CheckLoanRates.online

CheckLoanRates.online is a marketing and lead generation platform designed to connect consumers with financial service providers, lenders, and marketing partners who may offer loan or credit products that meet their needs.

We are not a lender, broker, or agent of any lender.

We do not make credit decisions, originate loans, or determine loan terms.

Our role is strictly limited to facilitating connections between consumers and participating lenders or service providers in our network.

2. Eligibility

To use this Website, you must:

  • Be at least 18 years old;
  • Be a U.S. resident with a valid U.S. address;
  • Use the Website for lawful, personal, and non-commercial purposes; and
  • Provide accurate, current, and complete information.

Use of this Website for fraudulent or deceptive purposes is strictly prohibited under OLA’s Unfair, Deceptive, or Abusive Acts and Practices (UDAAP) guidelines.

3. No Guarantee of Loan or Credit Approval

Submitting your information through our Website does not guarantee that you will be matched with a lender, approved for credit, or offered specific loan terms. Loan approval, interest rates, fees, and repayment terms are determined solely by the participating lender based on their underwriting criteria.

We make no warranties regarding loan amounts, rates, or timing of funding. For example, we cannot guarantee “same-day” or “instant approval” loans unless explicitly verified by the lender, per OLA’s Advertising & Marketing Best Practices (Section II).

4. How Our Services Work

When you complete and submit a form on our Website:

  • You provide certain personal and financial information (see our Privacy Policy);
  • We share your information securely with one or more participating lenders or affiliates;
  • You may be contacted directly by those lenders or partners regarding loan offers or related financial services.

We may receive compensation from our partners for referrals, which may influence the order in which offers appear.

However, we do not endorse or guarantee any specific lender, loan product, or term.

5. Responsible Marketing Disclosure

CheckLoanRates.online adheres to OLA’s Advertising and Lead Generator Best Practices, which prohibit misleading or deceptive claims.

Accordingly:

  • We do not use terms like “guaranteed approval,” “best loan,” “no credit check,” or “cash in one hour.”
  • We accurately describe how and when consumers may receive funds.
  • We clearly disclose that we are not a lender.

    • We encourage all users to compare multiple loan options and review all lender terms before accepting an offer.

    6. User Consent

    By submitting your information through this Website, you:

    • Authorize us and our marketing partners to contact you via email, text message (SMS), telephone, or auto-dialed/pre-recorded calls (where permitted by law);
    • Consent to the collection, use, and sharing of your information as described in our Privacy Policy;
    • Agree that your information may be shared with lenders, affiliates, and service providers for the purpose of facilitating loan offers.

    You can withdraw your consent or opt out of communications at any time by emailing privacy@checkloanrates.online.

    7. Consumer Rights and OLA Compliance

    We follow all applicable federal and state consumer protection laws, including:

    • Truth in Lending Act (TILA)
    • Gramm-Leach-Bliley Act (GLBA)
    • CAN-SPAM Act
    • Telephone Consumer Protection Act (TCPA)
    • Federal Trade Commission Act (UDAP/UDAAP)

    We are committed to transparent data practices, clear disclosures, and ethical lead generation, consistent with OLA Best Practices (Sections II, VI & VIII).

    If you experience any issue or suspect misconduct, you may also contact: Online Lenders Alliance (OLA) Consumer Hotline: 1-866-299-7585 Website: www.onlinelendersalliance.org

    8. Prohibited Activities

    When using this Website, you agree not to:

    • Submit false, incomplete, or misleading information;
    • Use the Website for unlawful purposes, including fraud or identity theft;
    • Interfere with the Website’s security features;
    • Collect data or scrape content using automated means; or
    • Impersonate another person or entity.

    Violation of these terms may result in suspension of access and referral to law enforcement.

    9. Intellectual Property Rights

    All content, design, graphics, and logos on this Website are owned by CheckLoanRates.online or our licensors and are protected by U.S. copyright and trademark laws.

    You may not reproduce, distribute, or create derivative works from our materials without prior written consent.

    10. Third-Party Websites and Links

    Our Website may contain links to third-party websites, including lender or partner sites. We do not control or endorse these sites and are not responsible for their content, policies, or practices.

    You should review the privacy and terms policies of each third-party website before providing personal information.

    11. Limitation of Liability

    To the fullest extent permitted by law, CheckLoanRates.online and its affiliates, employees, and agents shall not be liable for:

    • Any indirect, incidental, consequential, or punitive damages arising from your use of this Website;
    • Errors, delays, or inaccuracies in the information or services provided; or
    • Any actions or decisions taken by lenders or third parties based on your submission.

    Your sole remedy for dissatisfaction with this Website is to discontinue its use.

    12. No Financial or Legal Advice

    The content on this Website is for informational purposes only and should not be considered financial, legal, or professional advice.

    You should consult with a qualified financial advisor before making borrowing or credit decisions.

    13. Indemnification

    You agree to indemnify, defend, and hold harmless CheckLoanRates.online, its owners, affiliates, and agents from and against all claims, liabilities, damages, losses, or expenses (including attorney fees) arising out of:

    • Your use of this Website;
    • Violation of these Terms; or
    • Infringement of third-party rights.

    14. Dispute Resolution and Governing Law

    These Terms shall be governed by and construed under the laws of the State of Delaware, without regard to its conflict-of-law principles.

    Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association (AAA).

    You waive the right to participate in class action lawsuits or jury trials.

    15. Changes to These Terms

    We may update or modify these Terms periodically.

    Continued use of the Website after any change constitutes your acceptance of the new Terms. The “Last Updated” date at the top indicates the most recent version.

    16. Contact Us

    If you have any questions or concerns about these Terms, please contact us:

    Email: support@checkloanrates.online

    Website: https://checkloanrates.online