These terms govern your use of the Bankrate Lending website and our personal loan marketplace services. Using this site means you accept them — please read carefully before submitting a request.
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.
Important: If you don't agree with any part of these terms, please stop using this website and don't submit a request.
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:
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.
Bankrate Lending acts only as an intermediary. We don't make credit decisions, set interest rates, or determine repayment terms on behalf of any lender, and we may receive compensation from participating lenders for referrals made through this site.
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.
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:
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:
Important Lending, Financial Services, E-SIGN & Telephone Consumer Protection Act (TCPA) Disclosures
Lead Generator & Service Disclosure: Bankrate Lending is a marketing lead generator and referral network and is not a lender, law firm, CPA firm, or government agency, does not make credit or lending decisions, and cannot guarantee approval, loan amount, settlement outcome, rates, or terms. We connect applicants with participating Financial Services Companies and Direct Buyers / Resolution Desks and may share your application information with them; we may be compensated by participating partners for this service. We do not charge an application fee. Programs and loans are not available in all states, and amounts, rates, and terms vary by state and provider.
TCPA Prior Express Written Consent (47 U.S.C. § 227) & E-SIGN Disclosure: By checking the consent box and submitting a request on this website, you provide your electronic signature under the E-SIGN Act and grant prior express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Bankrate Lending and its designated Marketing Partners (along with participating Financial Services Companies and Direct Buyers / Resolution Desks) to contact you at the telephone number (including wireless/mobile numbers) and email address provided via recurring marketing, promotional, and informational calls and SMS/MMS text messages using an automated telephone dialing system (ATDS), artificial or prerecorded voice, AI-generated voice, or ringless voicemail, even if your telephone number is currently listed on any Federal, State, or corporate Do-Not-Call (DNC) registry. Consent is strictly voluntary and is not a condition of purchasing any goods or services or obtaining credit or financing. Message and data rates may apply; message frequency varies. Reply STOP at any time to opt out of text messages or HELP for assistance.