Effective Date: January 1, 2024 · Last Updated: January 1, 2024
These Terms & Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Creditus Loan LLC ("Creditus Loan," "we," "our," or "us"), governing your access to and use of the website located at creditusloan.com and all associated services, tools, and content (collectively, the "Platform").
By visiting the Platform — regardless of whether you complete a loan inquiry — you agree to be bound by these Terms, our Privacy Policy, and any additional guidelines, policies, or rules posted on the Platform. These Terms apply to all visitors, users, and others who access or use the Platform.
Your continued use of the Platform following notice of any changes to these Terms constitutes acceptance of the revised Terms. If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Creditus Loan operates as an independent loan marketplace and lead-generation platform. We are not a lender, broker, or creditor. We do not originate, fund, underwrite, approve, or decline loan applications. We do not make credit decisions, set interest rates, or determine final loan terms.
Our Platform facilitates connections between individuals seeking personal loans ("Borrowers") and a curated network of third-party financial institutions and lending companies ("Lenders"). When you submit a loan inquiry through our Platform, your information may be shared with one or more Lenders who may then contact you with potential loan offers.
Any loan offers, rates, terms, or approvals you receive originate entirely from independent Lenders, not from Creditus Loan. We have no control over — and accept no responsibility for — the decisions, practices, or communications of any Lender in our network. Our services are provided for informational and matching purposes only and do not constitute financial advice, legal advice, or a recommendation to accept any particular loan offer.
To use the Creditus Loan Platform and submit a loan inquiry, you must meet all of the following eligibility criteria:
By submitting a loan inquiry, you represent and warrant that you meet all eligibility requirements. Providing false eligibility information is a violation of these Terms and may constitute fraud under applicable federal and state laws.
To request loan matching services, you must complete the loan inquiry form on our Platform. The form collects personal, financial, and employment information that we use to generate personalized lender matches. The process works as follows:
Completing our inquiry form does not constitute a formal loan application and does not create any obligation between you and Creditus Loan or any Lender. A formal application — and any binding agreement — is made exclusively between you and a Lender on the Lender's own platform.
Use of the Creditus Loan Platform does not guarantee that you will receive any loan offer, or that any loan offer you receive will be approved by the Lender. Being matched with a Lender through our Platform does not constitute pre-approval, pre-qualification, or a commitment to lend.
All loan approvals, rates, amounts, and terms are determined solely by the individual Lender based on their own underwriting criteria, your complete application, a review of your credit report, and other factors. Creditus Loan has no influence over any Lender's final credit decision.
Offers displayed on our Platform are estimates generated for informational purposes and may differ significantly from the final terms offered by the Lender after a full review of your application. We strongly encourage you to carefully review all final loan terms from any Lender before accepting any offer.
Once you are matched with a Lender and choose to pursue a loan offer, any resulting relationship — including any loan agreement, repayment schedule, fees, collection activities, or disputes — exists exclusively between you and that Lender. Creditus Loan is not a party to any loan agreement and has no obligation or liability with respect to any such agreement.
Each Lender in our network operates under its own terms of service, privacy policy, licensing requirements, and regulatory obligations. We encourage you to thoroughly review any Lender's terms before accepting a loan offer. Creditus Loan does not endorse, vouch for, or assume liability for any Lender's products, services, conduct, or representations.
Any disputes regarding a loan you have accepted must be resolved directly with the applicable Lender. Creditus Loan will not mediate, arbitrate, or otherwise intervene in disputes between you and any Lender.
Creditus Loan's matching and loan inquiry services are provided at no cost to you. We do not charge any application fees, registration fees, membership fees, or upfront costs for use of our Platform.
Creditus Loan may receive compensation from Lenders and other third parties in connection with the referrals and leads generated through our Platform. This compensation may affect how and where Lenders and offers appear on the Platform, but it does not affect the integrity of the matching process or the information we collect from you.
All fees associated with a loan — including but not limited to origination fees, late payment fees, prepayment penalties, annual fees, and other charges — are determined exclusively by the Lender and will be disclosed to you as part of the Lender's loan agreement before you accept any offer. You are responsible for carefully reviewing all fees disclosed by the Lender before signing or accepting a loan.
Annual Percentage Rates (APRs), interest rates, loan amounts, and repayment terms displayed on the Creditus Loan Platform are representative estimates provided for informational purposes only. Actual rates and terms are set exclusively by the applicable Lender and will depend on your creditworthiness, income, debt-to-income ratio, employment status, and other underwriting factors.
| Loan Amount | Term | APR | Monthly Payment | Total Cost |
|---|---|---|---|---|
| $2,000 | 12 months | 12.00% | $177.70 | $2,132.40 |
| $5,000 | 36 months | 18.00% | $180.77 | $6,507.72 |
| $10,000 | 48 months | 24.00% | $305.61 | $14,669.28 |
| $15,000 | 60 months | 15.00% | $356.70 | $21,402.00 |
The above examples are for illustrative purposes only. APRs on our network typically range from 5.99% to 35.99%. Representative example: a personal loan of $5,000 over 36 months at an APR of 18.00% results in 36 monthly payments of $180.77, for a total repayment of $6,507.72. Not all applicants will qualify for minimum rates.
We encourage all users to compare multiple offers and use a loan calculator to fully understand the total cost of borrowing before accepting any loan offer. If you are uncertain whether a loan is appropriate for your financial situation, please consult a qualified financial advisor.
Creditus Loan's matching process utilizes soft credit inquiries (also known as soft pulls) to generate personalized Lender matches. Soft inquiries do not affect your credit score and are not visible to other lenders when they review your credit report.
However, if you choose to proceed with a loan application through a Lender's platform, that Lender may conduct a hard credit inquiry as part of their formal underwriting process. A hard inquiry may temporarily affect your credit score and will appear on your credit report. Hard inquiries are performed by Lenders, not by Creditus Loan, and are governed by the Lender's terms and applicable law.
You are not obligated to accept any offer presented through our Platform, and you may withdraw from the process at any time before accepting a Lender's final loan agreement.
You represent and warrant that all information you submit through the Creditus Loan Platform — including personal details, financial data, employment information, and any other requested information — is truthful, accurate, current, and complete at the time of submission.
Providing false, misleading, or inaccurate information may result in:
Submitting a loan application containing knowingly false or misleading information to a financial institution or lender may constitute bank fraud or application fraud under federal and state law. Creditus Loan cooperates fully with law enforcement investigations involving fraudulent use of its Platform.
You agree that you will not use the Creditus Loan Platform for any of the following purposes:
Violations of these prohibited uses may result in immediate termination of your access to the Platform and may be reported to appropriate authorities.
All content on the Creditus Loan Platform — including but not limited to text, graphics, logos, images, icons, interface design, software code, data compilations, and all other materials — is the exclusive intellectual property of Creditus Loan LLC or its licensors, protected by applicable U.S. and international copyright, trademark, trade dress, patent, and other intellectual property laws.
The "Creditus Loan" name, logo, and all associated trade names, trademarks, service marks, and trade dress are the exclusive property of Creditus Loan LLC. You are expressly prohibited from using these marks without prior written permission.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes only. This license does not include the right to reproduce, distribute, modify, create derivative works from, publicly display, republish, download, store, or transmit any content from the Platform without our express prior written consent.
THE CREDITUS LOAN PLATFORM AND ALL SERVICES, CONTENT, AND MATERIALS AVAILABLE THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CREDITUS LOAN EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT; WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY CONTENT OR INFORMATION ON THE PLATFORM; AND WARRANTIES THAT THE PLATFORM WILL OPERATE ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
We do not warrant or guarantee that the use of our Platform will result in any loan offer, approval, or specific financial outcome. Results may vary based on your individual financial profile, market conditions, and Lender underwriting decisions outside of our control.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL CREDITUS LOAN LLC, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF — OR INABILITY TO USE — THE PLATFORM OR ITS SERVICES.
THIS LIMITATION APPLIES REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND EVEN IF CREDITUS LOAN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
In all cases, Creditus Loan's aggregate liability to you for any claims arising from or related to the Platform shall not exceed the greater of: (a) $100.00 (one hundred U.S. dollars), or (b) the total amount, if any, paid by you to Creditus Loan in the twelve (12) months immediately preceding the event giving rise to the claim. Some jurisdictions do not allow the exclusion or limitation of certain types of damages; in such jurisdictions, our liability will be limited to the greatest extent permitted by applicable law.
You agree to defend, indemnify, and hold harmless Creditus Loan LLC, and its respective officers, directors, employees, contractors, agents, licensors, service providers, successors, and assigns, from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:
We reserve the right to assume exclusive control of the defense of any matter subject to indemnification by you, in which case you agree to cooperate fully with us in asserting any available defenses.
These Terms and all matters arising out of or related to your use of the Creditus Loan Platform shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without giving effect to any choice of law or conflict of law provisions that would cause the application of the laws of any other jurisdiction.
Subject to the mandatory arbitration agreement set out in Section 17 below, you agree that any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the state or federal courts located in the State of Delaware, and you irrevocably consent to personal jurisdiction and venue in such courts.
If you access the Platform from outside the United States, you are responsible for compliance with local laws to the extent they are applicable.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. By using the Platform, you agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Platform, or our services will be resolved by binding individual arbitration, not in court, except as set forth below.
CLASS ACTION WAIVER: YOU AND CREDITUS LOAN AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and Creditus Loan agree otherwise, no arbitrator or court may consolidate more than one person's claims or otherwise preside over any form of representative or class proceeding.
Arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at adr.org. The arbitration will be conducted in English and, unless otherwise agreed, will take place in the State of Delaware or via telephone/videoconference. Either party may seek emergency injunctive or equitable relief from a court of competent jurisdiction to prevent irreparable harm pending resolution by arbitration. This arbitration agreement shall survive termination of these Terms.
Creditus Loan reserves the right to modify, update, or replace these Terms at any time in its sole discretion. We will provide notice of material changes through one or more of the following means: (a) posting a prominent notice on the Platform; (b) sending an email to the address associated with your inquiry record; or (c) updating the "Last Updated" date at the top of this page.
In the case of material changes, we will endeavor to provide at least 30 days' prior notice before the updated Terms take effect. Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically. If you do not agree to any updated Terms, you must stop using the Platform. Archived versions of previous Terms are available upon written request to legal@creditusloan.com.
If you have any questions, concerns, or requests regarding these Terms & Conditions, please contact our Legal Department:
For privacy-related inquiries, please contact our Privacy Team at privacy@creditusloan.com or review our Privacy Policy. We will respond to all verifiable requests within 30 days of receipt.