Agreement to These Terms

By using explorecreditloan.com, you agree to these Terms of Use. If you do not agree, please do not use the site. These terms govern the website and connection service only — any loan you accept is governed by your lender's separate agreement.

The Service

Explore Credit Loan provides a free connection service: transmitting your loan request, with your consent, to independent network lenders, who may present offers directly to you. We are not a lender and are not a party to any loan agreement. We do not guarantee that any request will match, that any offer will issue, or that any particular terms will be available — matching depends on your profile, lender criteria, and state law.

Eligibility and Accurate Information

You must be at least 18, a US resident, and the person whose information you submit. You agree that everything you submit is accurate and yours to provide.

Submitting another person's information without authority, or knowingly false information, is prohibited and may be unlawful. Lenders verify submissions; discrepancies delay or end matching.

No Fees From You; How We're Paid

The service is free to consumers. Lenders compensate us for connections, as described in the Advertiser & Lending Disclosure, which is incorporated into these terms.

Estimates, Not Offers

All figures on this site — APR ranges, payments, examples, calculator results — are estimates for education, not offers or commitments. Actual terms appear only in a lender's written disclosure.

Content on this site is general information, not financial, legal, or tax advice, and no content creates an advisor relationship. Decisions belong to you, ideally made the way our guides describe: on paper, against your own numbers.

Acceptable Use

You agree not to: misuse or attempt to disrupt the site; scrape or harvest data beyond what robots.txt permits; submit fraudulent requests; infringe the site's content rights (content is ours or licensed; personal, non-commercial reading and sharing by link is welcome); or use the service where prohibited by law.

Third Parties

Lenders and any linked third-party sites operate under their own terms and policies. We are not responsible for third-party content, decisions, products, or services, including lender underwriting outcomes and servicing conduct.

Disclaimers and Limitation of Liability

The site and service are provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent permitted by law. To the same extent, Explore Credit Loan and its operators are not liable for indirect, incidental, consequential, or punitive damages arising from use of the site or service; where liability cannot be excluded, it is limited to the maximum extent the law allows. Some jurisdictions do not permit certain exclusions, so portions may not apply to you.

Changes, Governing Law, Contact

We may update these terms by posting the revised version here; continued use after posting is acceptance. These terms are governed by the laws of the State of Tennessee, without regard to conflicts principles, except where your state's consumer law provides otherwise. Questions: [email protected], (888) 490-2196, 7970 Stonebridge Lane, Suite 278, Chattanooga, TN 37402.