If you want to learn more about personal loans from a legal perspective, please review the information provided below. Note that this information is for guidance only and is subject to change. For the latest legal details, we recommend visiting governmental websites and other relevant sources.
We encourage all users to review this section before submitting a request.
Yes, personal loans are legal. However, each state has its own standards and regulations regarding online lending. It is advisable to consult with state authorities or visit corresponding governmental websites to understand the specific regulations applicable to your state.
Under US legislation, personal loans are available to residents who are at least 18 years old. To be eligible, you must also have a stable source of income. If you are an adult US resident with a reliable financial means, you can use our website to secure the funds you need.
A loan agreement is a contract between you and the lender that formalizes the terms of the loan. This document is legally binding, and any violations of its terms by either party may result in legal consequences.
Once you electronically sign a loan agreement, it is final. Your e-signature confirms your acceptance of all terms, so we advise you to thoroughly review the agreement before signing.
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Our website is completely free to use. For information on rates and fees, please see our Rates and Fees section. Additionally, such details will be outlined in your loan agreement. We do not provide specific information beyond what is included in the agreement.