Terms of Service

1. Acceptance of Terms

By accessing and using LoanHub's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Eligibility Requirements

To be eligible for our services, you must:

• Be at least 18 years of age
• Be a U.S. citizen or permanent resident
• Have a valid Social Security number
• Have a verifiable source of income
• Maintain a U.S. bank account

3. Loan Application Process

When you submit a loan application:

• You authorize us to obtain your credit report and verify your information
• All information provided must be accurate and complete
• We reserve the right to approve or deny any application at our discretion
• Pre-approval does not guarantee final loan approval

4. Loan Terms and Conditions

• Loan Amounts: $2,000 to $100,000
• Interest Rates: 6.99% to 25.99% APR based on creditworthiness
• Loan Terms: 12 to 84 months
• Fees: No origination fees, application fees, or prepayment penalties
• Late Fees: $39 for payments more than 15 days past due

5. Payment Terms

Loan payments are due monthly on the date specified in your loan agreement. You may make payments:

• Online through your account dashboard
• By phone using our automated system or customer service
• By setting up automatic payments (recommended)
• By mail (allow adequate time for processing)

6. Default and Collections

If you fail to make payments as agreed:

• Late fees may be assessed
• We may report delinquencies to credit bureaus
• We may pursue collection activities
• You remain responsible for all collection costs

7. Website Usage

When using our website, you agree to:

• Provide accurate and truthful information
• Keep your login credentials secure
• Not use the site for illegal or unauthorized purposes
• Not attempt to interfere with the website's operation

8. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of our services, to understand our practices.

9. Limitation of Liability

LoanHub shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

10. Dispute Resolution

Any disputes arising from these terms or your use of our services will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

11. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services constitutes acceptance of any changes.

12. Contact Information

If you have questions about these Terms of Service, please contact us: