INTRODUCTION
Welcome to enableloans.org (“we,” “us,” “our,” or “Site”). By accessing or utilizing this Site and our services, you agree to be legally bound by these Terms of Service (“Terms”). If you do not agree with any part of these Terms, you must immediately discontinue use of our Site and services.
These Terms represent a binding legal contract between you and enableloans.org. They set forth your rights and obligations when using our platform, along with crucial liability disclaimers and dispute resolution procedures.
MODIFICATION OF TERMS
We reserve the right to revise or update these Terms, including any related disclosures or operational guidelines, at our discretion. We will provide notification of modifications by publishing the updated agreement on this Site. Your ongoing use of the Site or service following the publication of changes signifies your definitive acceptance of the revised Terms.
PLEASE READ THIS SECTION CAREFULLY
THESE TERMS CONTAIN A MANDATORY BINDING ARBITRATION CLAUSE AND A CLASS ACTION WAIVER. THESE PROVISIONS REQUIRE THAT ANY DISPUTES OR CLAIMS ARISING BETWEEN YOU AND ENABLELOANS.ORG BE RESOLVED THROUGH INDIVIDUAL ARBITRATION RATHER THAN IN COURT BY A JURY. YOU WAIVE ANY RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS OR CONSOLIDATED ARBITRATION ACTION.
ELIGIBILITY
Our loan matching platform is exclusively intended for legal residents of the United States. By submitting an inquiry through our Site, you certify and warrant that:
- You are at least 18 years old and possess the legal capacity to enter into binding agreements.
- You reside within a US state or jurisdiction where our service is legally offered.
- You are acting solely on your own behalf and for personal, non-commercial purposes.
- All personal, employment, and financial details you submit are complete, authentic, and accurate.
OUR SERVICE DESCRIPTION & COMPENSATION TRANSPARENCY
enableloans.org operates an online matching platform designed to pair consumers seeking personal credit solutions with participating lenders, lending networks, and third-party financial service providers (“Lending Partners”).
Compensation and Free Service for Consumers
Our matching service is provided completely free of charge to you as a consumer. We do not assess application fees, service charges, or broker costs to borrowers. Instead, we receive financial compensation from Lending Partners and marketing partners for transmitting consumer inquiries or marketing relevant credit products.
This financial compensation supports our technology operations and enables our platform to operate at no cost to borrowers. You acknowledge that compensation received may influence the order or selection of lenders with whom your request is shared.
HOW SERVICE WORKS
To use our service, you must complete an online questionnaire providing necessary personal, financial, income, and banking details. By submitting this request, you authorize us to transmit your information to participating Lending Partners through an automated routing system.
Lending Partners evaluate your submitted details against their underwriting rules. If a lender indicates interest in offering you a loan, we will transfer you directly by redirecting your browser to the lender’s secure website or presenting their application interface.
At the moment of referral or redirection, our involvement in your loan transaction ceases. Any subsequent discussions, agreements, or contracts are entered into solely between you and the specific lender under their terms, privacy disclosures, and interest rate agreements.
SERVICE DISCLAIMER
Not a Lender
- We are not a bank, lender, creditor, or financial depository institution.
- We do not make loan offers, credit decisions, or loan commitments.
- We do not act as an agent, broker, or representative for any lender or borrower.
- We do not guarantee that any lender will approve your request or offer you specific terms or interest rates.
Loan Amounts & Terms
- Participating lenders offer loans generally ranging from $200 up to $5,000; not all lenders provide maximum amounts.
- Interest rates, repayment periods, fees, and penalties vary substantially across individual lenders and state laws.
- We do not investigate or verify the licensing status or individual regulatory standing of every lender in our network. It is your responsibility to evaluate any creditor before signing a loan agreement.
Service Availability
Our platform is not accessible in all states. Some US states have enacted statutory restrictions that prohibit certain small-dollar or short-term loan products. This service is void where prohibited by law.
CREDIT REPORT INQUIRIES
By submitting your request form, you provide express written authorization allowing Lending Partners and service providers to obtain credit information about you from consumer reporting agencies (such as Equifax, Experian, or TransUnion) or alternative credit reporting services.
Participating lenders may utilize soft credit checks that do not adversely impact your FICO score during preliminary qualification, but may perform a hard credit inquiry if you formalize a loan contract.
ELECTRONIC CONSENT (“E-CONSENT”)
By submitting your request on enableloans.org, you consent to conduct financial transactions electronically. You agree that all notices, disclosures, agreements, and communications delivered to you electronically satisfy any legal requirement that such communications be in writing. You also agree to use electronic signatures in place of manual wet signatures.
CONSENT FOR COMMUNICATIONS (TCPA)
By providing your contact information (phone number and email address), you establish an inquiry-based business relationship with us. You expressly authorize enableloans.org and its network partners to contact you via telephone calls, automated dialing systems, artificial or prerecorded voice messages, text messages (SMS), and email communications regarding loan products and related financial offers.
Consent to receive automated marketing communications is not a condition of submitting a loan request or obtaining credit. You may revoke consent or unsubscribe at any time by following the instructions in emails, replying “STOP” to SMS messages, or emailing us at [email protected].
PROHIBITED CONDUCT
When utilizing our Site, you agree not to:
- Provide fraudulent, misleading, or fabricated personal or financial details.
- Submit loan inquiries on behalf of any other person without lawful power of attorney.
- Violate or attempt to compromise website security, server integrity, or encryption protocols.
- Scrape, spider, crawl, or harvest content, code, or user information using automated scripts.
- Decompile, disassemble, reverse engineer, or create derivative works based on our technology.
DISCLAIMER OF WARRANTIES & LIMITATION OF LIABILITY
THIS SITE AND ALL SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
IN NO EVENT SHALL ENABLELOANS.ORG, ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THIS SITE, YOUR ENGAGEMENT WITH ANY THIRD-PARTY LENDER, OR ANY INABILITY TO SECURE CREDIT.
CONTACT US
If you have questions regarding these Terms of Service, please reach out to: