Terms & Conditions

Welcome to Bankrate Lending. By accessing or using this website, you agree to these Terms and Conditions in full. This agreement applies to every visitor, every user, and anyone who submits a personal loan request through our platform.

You may access and use this website only for lawful, legitimate purposes. Bankrate Lending grants you a limited, non-exclusive, non-transferable license to browse and use this site in line with these terms. The following are not allowed:

• Interfering with, disrupting, or attempting to compromise this website, its servers, or connected systems
• Attempting unauthorized access to any restricted area, account, or system component
• Scraping, harvesting, or reproducing site content for commercial purposes without our prior written consent
• Transmitting malicious code, spam, or any material that is unlawful, harmful, or offensive
• Using automated tools to submit requests or otherwise interact with this site in a fraudulent manner

We may suspend or permanently revoke access for anyone who violates these conditions, without notice and at our sole discretion.

Bankrate Lending operates as a personal loan marketplace. We are not a lender, bank, or credit provider, and we don't make lending decisions of any kind. Our role is to connect consumers with a network of participating lenders and other service providers.

Submitting a request through our platform doesn't commit anyone to lend to you, doesn't guarantee approval, and doesn't promise any specific rate or terms. Every credit decision and loan agreement is made solely by the lender you're matched with, under that lender's own underwriting criteria and applicable law.

Everything published on this website is provided for general information only. Nothing here should be treated as financial, legal, tax, or investment advice. Please talk to a qualified independent professional before making any borrowing or financial decision.

Bankrate Lending makes no warranty, express or implied, about the accuracy, completeness, or suitability of anything on this site. Any reliance you place on it is at your own risk.

Loan amounts, rates, terms, and examples shown on this website are illustrative only and are not binding offers. Your actual terms, if any, are decided by the lender you're matched with, based on your creditworthiness, income, and that lender's own criteria.

• Advertised ranges are for illustration only and aren't guaranteed
• Any offer you receive will reflect your specific circumstances and that lender's requirements
• Whether an inquiry affects your credit score depends on the type of check — soft or hard — the lender runs
• All terms are subject to final lender review and applicable state and federal law
• Short-term financing is not intended to serve as a long-term financial strategy

This site connects with and may reference participating lenders, service providers, and external websites. Bankrate Lending isn't responsible for the accuracy, practices, security, or content of any third party. Any agreement you enter into with a lender is strictly between you and that lender.

Please review each lender's own terms, rates, and privacy practices carefully before accepting any offer or agreeing to receive funds.

To the fullest extent the law allows, Bankrate Lending and its officers, directors, employees, agents, and affiliates won't be liable for any indirect, incidental, punitive, special, or consequential damages, including lost revenue or data, arising from:

• Your use of, or inability to access, this website or its content
• Decisions made in reliance on information presented on this platform
• Unauthorized access to your personal information
• The conduct, content, or actions of any participating lender or partner
• Technical errors, service interruptions, or system outages

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict-of-law provisions. Any dispute arising from or relating to these terms is subject to the exclusive jurisdiction of the courts of Travis County, Texas.

We may amend these terms at any time. Continuing to use this website after a revision means you accept the update. The most current version will always be available on this page.

If you have questions, concerns, or need clarification about these Terms and Conditions, reach our team through any of the following: