Effective Date: January 1, 2020
Please read these terms carefully. If you do not agree to these terms, do not access or use this website.
Products and Services
Once a consumer submits the request form on this site, totalpersonalloan.com shares your information with one or more participating lenders. By submitting the request form, you understand and agree that you are submitting an inquiry about a loan product to totalpersonalloan.com and each of the participating lenders to whom totalpersonalloan.com transmits your loan request. By submitting the request form, you are extending an express invitation to totalpersonalloan.com and each of the participating lenders with whom your information is shared to contact you by any means (including, without limitation, email, telephone, text and direct mail) so that they may assist you with your transaction or provide information to you about additional offers in which you may be interested.
Participating lenders who receive your request information from totalpersonalloan.com review your information in real-time to determine whether your information meets their loan qualification criteria. By submitting the request form, you expressly authorize participating lenders to, among other things, verify your social security number, perform a credit check, and review your information against national databases that track consumer transactions with lending institutions. By submitting the request form you also expressly authorize the participating third party lender you are connected with to share among its affiliates, loan servicers, and bank partners any transaction history related to financial products or services received for the purpose of evaluating you for credit. Lenders may ask for additional identifying information (i.e. driver's license documentation), in conjunction with running credit reports.
TotalPersonalLoan.com is not a lender and does not make loans or credit decisions in connection with its loan connecting service. TotalPersonalLoan.com does not guarantee acceptance into any particular loan program or specific loan terms or conditions with any participating lender. TotalPersonalLoan.com is not an agent of or any participating lender. TotalPersonalLoan.com is not involved with a lender's use and/or review of your request information or in making a determination about whether you meet a particular lender's loan qualification criteria. The lender is solely responsible for its services to you, and you agree that totalpersonalloan.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of the loan connecting service.
Annual Percentage Rate
TotalPersonalLoan.com is not an actual lender, and therefore does not make credit decisions or determine actual APRs (Annual Percentage Rate) if you are connected with a lender. We direct your attention to your lender for the full and appropriate disclosure of both the interest rate and APR for your loan.
Credit Report Authorization
By submitting your loan request, you are providing express written consent under the Fair Credit Reporting Act for each lender to whom we transmit your information to obtain, in response to your inquiry, a credit check or consumer report from a consumer reporting agency. This credit check can include a hard pull, which may impact your credit score.
By submitting your loan request, you are providing express written consent under the Telephone Consumer Protection Act to be contacted by each lender to whom we transmit your information, and their affiliates and service providers, by telephone at the numbers you have provided, even if your phone number is on any Do-Not-Call registry, and you agree to receive telemarketing calls or SMS text messages made with an automatic telephone dialing system or that use a prerecorded voice. Consent is not required in order to purchase goods and services from us or the lenders that reach out to you.
You agree that submitting your loan request acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically.
Disclaimers and Limitations
This website and the information, software, products and services associated with it are provided 'as is.' TotalPersonalLoan.com expressly disclaims any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this website and any information, software, products provided herein, including without limitation the warranties of title, non-infringement, merchantability, or fitness for a particular purpose. TotalPersonalLoan.com makes no warranty as to the results that may be achieved by using this website and the information, software, products and services associated with it.
Use of this website and/or its services is at your own risk. TotalPersonalLoan.com and/or its participating lenders or advertisers or any of their officers directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers or service providers will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages or other injury arising out of or in any way connected with the use of this website and/or its services with the delay or inability to use this website, or for any information, software, products and services obtained through this website, or otherwise arising out of the use of this website, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if totalpersonalloan.com or its participating lenders have been advised of the possibility of damages.
TotalPersonalLoan.com makes no representation that materials on the site are appropriate or available for use in locations other than the United States. Those who choose to access totalpersonalloan.com from outside the United States do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable.
As a condition of using this web site and/or the services offered herein, you agree to indemnify totalpersonalloan.com and its participating lenders from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.
Links to Third Parties
This web site may contain links to other web sites operated by participating lenders or other third parties. Such links are provided for your convenience and reference only. TotalPersonalLoan.com does not operate or control in any respect any information, software, products or services available on such third party sites. TotalPersonalLoan.com's inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.
Trademark and Intellectual Property
The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the site, are registered and unregistered Trademarks of totalpersonalloan.com. Nothing contained on the site should be construed as granting, by implication or otherwise, any license or right to use any content on the site without the written permission of totalpersonalloan.com.