Version US-2025-1
Last updated: [15-Sep-2025]
By accessing or using this website or applying for a loan from Affordable Loan USA (“we,” “us,” “our”), you agree to these Terms of Service (the “Terms”). If you do not agree, please do not use our site or services.
1. Use of the Website
You agree that access to and use of this website and our services are subject to these Terms and all applicable laws and regulations. We reserve the right to amend or update these Terms at any time, and your continued use of the website constitutes your acceptance of such modifications.
2. Eligibility & Accounts
Certain features of our website or loan services may require you to register and open an account, provide personal information, and/or meet eligibility requirements. You must maintain the confidentiality of your account credentials and are responsible for all activities under your account. You must notify us immediately if you become aware of any unauthorized use of your account.
3. Application & Loan Services
When you apply for a loan with us, you agree to provide accurate and complete information. We may verify your information and perform credit checks as part of our underwriting process. We are the direct lender for the loans offered through this website. Approval is subject to verification of identity, income, credit history, and state licensing rules. We do not guarantee approval.
4. Fees, Rates & Terms
All loan terms — including interest rate (APR), fees, repayment schedule, and eligibility criteria — will be clearly disclosed to you prior to acceptance. You agree that you will review and understand all terms before proceeding.
5. No Warranty; Limitations of Liability
The website and all content, material, products, and services are provided “as is” and “as available,” without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
In no event will Affordable Loan USA be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of your use of or inability to use the website or the services, even if we have been advised of the possibility of such damages.
6. Indemnification
You agree to indemnify, defend and hold harmless Affordable Loan USA, its officers, directors, employees, agents, affiliates and successors against any losses, liabilities, claims, damages, costs or expenses (including attorneys’ fees) arising from: (a) your breach of these Terms; (b) your use of the website or services; (c) any claim that your content or information violates any law or third-party rights.
7. Intellectual Property
All trademarks, service marks, logos, and content (text, graphics, images, audio, video) on the website are the property of Affordable Loan USA or our licensors. You may not reproduce, modify, distribute, display, or create derivative works of the website content without our prior written permission.
8. Links to Third-Party Websites
Our website may contain links to third-party websites for your convenience. We are not responsible for the content, accuracy or practices of such linked sites. Linking does not imply endorsement or affiliation. You should review the terms and privacy policies of any linked website you visit.
9. Privacy & Data Collection
By using our website and applying for a loan, you consent to our collection, use, and sharing of your personal and credit information in accordance with our Privacy Policy. We may use cookies, session replay, and other tracking technologies to facilitate the service. (Link to Privacy Policy here.)
10. Governing Law; Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of [Your State], without regard to its conflicts-of-law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in [County], [State], and you consent to the personal jurisdiction of such courts.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
11. Entire Agreement
These Terms, together with our Privacy Policy and any related disclosures, constitute the entire agreement between you and Affordable Loan USA with respect to your use of this website and our services and supersede all prior agreements, understandings, communications or representations.
12. Contact Us
If you have any questions about these Terms, please contact us at:
Affordable Loan USA