Terms of Service

1. Acceptance of Terms

By accessing or using KloverLoansApply's website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

KloverLoansApply is a loan comparison marketplace that:

• Connects consumers with lending partners
• Provides loan comparison tools and information
• Facilitates the loan application process

Important: KloverLoansApply is NOT a lender. We do not make credit decisions or fund loans. All lending decisions are made by our partner lenders.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal U.S. resident
• Have a valid Social Security Number
• Have a valid email address and phone number
• Have the legal capacity to enter into contracts

4. User Responsibilities

You agree to:

• Provide accurate and truthful information
• Keep your account credentials secure
• Not use the service for any unlawful purpose
• Not attempt to access unauthorized areas of our system
• Not interfere with the proper functioning of the website

5. Loan Terms and Conditions

Please note:

• APR rates range from 5.99% to 35.99%
• Loan amounts range from $1,000 to $100,000
• Loan terms range from 12 to 84 months
• Actual rates, amounts, and terms depend on your credit profile and the lender
• Not all applicants will qualify for the lowest rates

6. Credit Inquiries

Checking rates through KloverLoansApply uses a soft credit inquiry, which does NOT affect your credit score. However, if you proceed with a lender's offer, the lender may perform a hard credit inquiry, which may impact your credit score.

7. Disclaimer of Warranties

KloverLoansApply provides its services "as is" without warranties of any kind. We do not guarantee that you will receive loan offers or that any specific terms will be available to you.

8. Limitation of Liability

KloverLoansApply shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or any loan you obtain through our platform.

9. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the new terms.

10. Contact Information

For questions about these Terms of Service: