Terms of Use

Effective Date: May 12, 2026

Welcome to LoanGods. These Terms of Use ("Terms") govern your access to and use of the LoanGods website located at loangods.com (the "Site") and all related services provided by LoanGods ("we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing, browsing, or using the LoanGods website or any of its services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, our Privacy Policy, and the other legal pages linked in the site footer. If you do not agree to these Terms, you must not access or use the Site. Your continued use of the Site following the posting of any changes to these Terms constitutes acceptance of those changes.

2. Description of Service

LoanGods operates an online platform that connects consumers seeking personal loans with a network of third-party lenders and lending partners. Our service functions as a loan matching and referral service only.

How Our Service Works

When you submit a loan request through our Site, we process and route the information you provide so lenders in our network may evaluate whether to contact you or present options. LoanGods does not maintain that inquiry as a retrievable applicant record on our servers. Lenders may contact you using the information you provided and may present next steps according to their own policies and applicable law. LoanGods does not guarantee that you will be matched with a lender, receive any specific loan terms, or be approved for a loan.

No Lending Activity

LoanGods is not a lender, does not make loans, does not make credit decisions, and does not broker loans. We do not charge you any fees for using our matching service. Any fees, interest rates, or charges associated with a loan are determined solely by the lender you are matched with.

3. Eligibility

To use the LoanGods service, you must meet the following eligibility requirements:

Age Requirement

You must be at least 18 years of age (or the age of majority in your state of residence, whichever is greater) to use this Site or submit a loan request.

Residency

You must be a legal resident of the United States. Our services are not available to individuals outside of the United States.

Valid Identification

You must possess a valid Social Security Number (SSN), have an active bank account in your name, and have a valid email address and phone number. Lenders in our network may have additional eligibility requirements that must be met before a loan can be issued.

4. User Responsibilities

When using LoanGods, you agree to the following responsibilities:

Accurate Information

You agree to provide true, accurate, current, and complete information when submitting a loan request or any other form on the Site. Providing false or misleading information may result in denial of your request and may constitute fraud.

Lawful Use

You agree to use the Site only for lawful purposes and in compliance with all applicable local, state, and federal laws and regulations. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use of the Site.

Account Security

You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other security breach.

5. Not a Lender Disclaimer

LoanGods is NOT a lender. We want to make this absolutely clear to all users of our service.

Matching Service Only

LoanGods provides a free matching service that connects consumers with third-party lenders. We do not make loan offers, approve or deny loan applications, set interest rates, determine loan amounts, or negotiate loan terms. All lending decisions are made solely by the lenders in our network.

Lender Responsibility

Once you are matched with a lender, all communications, disclosures, agreements, and transactions are between you and that lender. LoanGods is not a party to any loan agreement and has no control over and assumes no responsibility for the products, services, or actions of any lender. You should carefully review any lender's terms, conditions, and privacy policy before accepting any loan offer.

6. Intellectual Property

All content, design elements, graphics, logos, text, images, software, and other materials on the LoanGods website are the intellectual property of LoanGods or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

Restrictions

You may not copy, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the materials on this Site without the prior written consent of LoanGods. You may not use any LoanGods trademarks, service marks, or logos without our express written permission.

7. Limitation of Liability

To the fullest extent permitted by applicable law, LoanGods, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, arising out of or related to:

Scope of Limitations

Your use of or inability to use the Site or our services; any conduct or content of any third party on or through the Site, including lenders in our network; any loan or financial product obtained through a lender you were matched with via our service; unauthorized access to or alteration of your transmissions or data; or any other matter relating to the Site or our services. The Site, its content, and all services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

8. Indemnification

You agree to indemnify, defend, and hold harmless LoanGods, its officers, directors, employees, agents, licensors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or related to: your use of or access to the Site; your violation of these Terms; your violation of any rights of a third party; any information you submit through the Site; or any loan or financial transaction between you and a lender in our network. This indemnification obligation shall survive the termination of these Terms and your use of the Site.

9. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the federal or state courts located in the State of Delaware, and you consent to the personal jurisdiction and venue of such courts.

Dispute Resolution

Before filing any legal claim, you agree to first attempt to resolve the dispute informally by contacting us. If the dispute is not resolved within 30 days, either party may proceed with formal legal proceedings as described above.

10. Changes to Terms

LoanGods reserves the right to modify, update, or revise these Terms of Use at any time, at our sole discretion. When we make changes, we will update the "Effective Date" at the top of this page. We may also notify you of significant changes through a notice on the Site or via email. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms. We encourage you to review this page periodically to stay informed about our terms and conditions.

11. Additional important notices

The following notices supplement these Terms and describe important limitations. Please read them together with our Privacy Policy, State law privacy notice, Advertising disclosures, and Your privacy choices.

Loan terms and APR

Loan terms, including Annual Percentage Rate (APR), loan amounts, and repayment periods, vary significantly among lenders in our network. LoanGods does not guarantee any specific loan terms.

APR: The APR offered by lenders in our network typically ranges from 5.99% to 35.99%. Your actual APR will depend on factors determined by your lender, including but not limited to your credit score, credit history, income, loan amount, and loan term.

Loan amounts: Lenders in our network generally offer personal loans ranging from $100 to $5,000. The actual loan amount you may qualify for depends on the lender's assessment of your creditworthiness and ability to repay.

Repayment terms: Loan repayment terms vary by lender and may range from 61 days to 84 months. Your lender will provide you with the specific repayment terms associated with any offer before you accept.

Example (illustrative only): A $5,000 personal loan with a 36-month term and an APR of 18.00% would result in a monthly payment of approximately $180.77 and a total repayment amount of approximately $6,507.72. This example is not an offer or guarantee of specific terms.

Credit inquiries

Submitting your information through LoanGods may or may not affect your credit score. Some lenders may perform a soft credit inquiry (which does not affect your score) to determine pre-qualification, while others may perform a hard credit inquiry (which may affect your score) as part of their approval process. LoanGods has no control over the credit inquiry practices of individual lenders.

No guarantee of approval

LoanGods does not guarantee that you will be matched with a lender, receive a loan offer, or be approved for a loan. Even if you receive an offer, approval is not guaranteed and depends on the lender's independent underwriting.

External sites

Our website may contain links to external sites or resources we do not control. We are not responsible for their content or privacy practices. Review their terms and policies before you use them.

State availability

Our service and lenders in our network may not be available in all U.S. states or jurisdictions. Products and terms may vary based on your state of residence and applicable law. LoanGods makes no representation that any product referenced on our website is available or appropriate in every jurisdiction.

Not financial, legal, or tax advice

Information on the Site is for general information only. Consult qualified professionals before making financial decisions. LoanGods disclaims liability for actions taken based on Site content.

12. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Use, please contact us:

Get in Touch

Email: support@loangods.com