Effective Date: September 24, 2025
Last Updated: September 24, 2025
These Terms and Conditions (“Terms”) govern your use of the Loans with Spirit website and loan matching services. By accessing our website or submitting a loan application, you agree to be bound by these Terms.
Service Overview
What We Provide
Loan Matching Service:
- We connect borrowers with licensed lenders in our network
- We do not make loans or lending decisions ourselves
- We provide a platform to submit loan applications to multiple lenders
- We facilitate communication between borrowers and potential lenders
Information and Tools:
- Educational content about loan products and financial services
- Online application forms and document submission tools
- Customer support for the application process
- Resources to help you understand loan terms and options
What We Are Not
Not a Lender:
- Loans with Spirit is not a direct lender
- We do not fund loans or make credit decisions
- All loan approvals and terms are determined by individual lenders
- We do not guarantee loan approval or specific terms
Not Financial Advice:
- We do not provide personalized financial advice or counseling
- Information on our website is for general educational purposes
- You should consult qualified professionals for financial guidance
- We are not responsible for your borrowing decisions
Eligibility Requirements
Basic Qualifications
To use our services, you must:
Age and Legal Status:
- Be at least 18 years old
- Be a legal resident of the United States
- Have the legal capacity to enter into binding agreements
- Not be subject to any legal restrictions on borrowing
Financial Requirements:
- Have a regular source of income
- Maintain an active checking account in your name
- Provide accurate and truthful information in all applications
- Meet minimum income requirements set by individual lenders
Restricted Users
We cannot assist:
- Active military personnel subject to Military Lending Act restrictions
- Residents of states where our services are not available
- Individuals currently in bankruptcy proceedings
- Users who have previously violated our terms or engaged in fraudulent activity
Application Process
Your Responsibilities
Accurate Information:
- Provide complete and truthful information in all applications
- Update us promptly if your information changes
- Verify all details before submitting applications
- Take responsibility for the accuracy of submitted documents
Documentation:
- Submit required documents in acceptable formats
- Ensure all documents are current and valid
- Provide additional verification when requested
- Maintain copies of all submitted materials
Our Process
Application Handling:
- We submit your information to lenders in our network
- Lenders make independent decisions about your application
- We facilitate communication between you and interested lenders
- We provide updates on application status when available
No Guarantee of Approval:
- Submission does not guarantee loan approval
- Each lender has independent qualification criteria
- Multiple applications may be necessary to find suitable offers
- Some users may not qualify for any loan products
Lender Network and Loans
Our Lender Partners
Network Composition:
- All lenders in our network are licensed in their respective states
- Lenders operate independently and set their own terms and rates
- We regularly review lender qualifications and compliance
- Network composition may change without notice
Lender Relationship:
- We may receive compensation from lenders for successful matches
- This compensation does not influence loan terms or approval decisions
- Lenders remain responsible for all loan terms and customer service
- Your loan agreement will be directly with the chosen lender
Loan Terms and Conditions
Terms Set by Lenders:
- Interest rates, fees, and repayment terms are determined by individual lenders
- We do not control or guarantee specific loan terms
- All loan agreements are between you and the lending institution
- You are responsible for understanding and agreeing to all loan terms
Types of Loans Available:
- Payday loans, installment loans, personal loans, title loans, and other products
- Loan availability depends on your location and qualifications
- Not all loan types are available in all states
- Specific products depend on lender offerings and state regulations
Fees and Costs
Our Service Fees
No Cost to Borrowers:
- We do not charge borrowers for our loan matching service
- Our application process is completely free for users
- We are compensated by lenders for successful loan matches
- You pay no fees to Loans with Spirit for our services
Lender Fees
Costs Determined by Lenders:
- Each lender sets their own fees, interest rates, and charges
- All loan costs will be clearly disclosed by the lender before you accept
- We are not responsible for any fees charged by lenders
- Compare offers carefully before accepting any loan terms
Types of Potential Costs:
- Origination fees, processing fees, late payment fees
- Interest charges based on loan amount and term
- Prepayment penalties (varies by lender and loan type)
- Returned payment fees and other administrative charges
User Conduct and Prohibited Uses
Acceptable Use
Permitted Activities:
- Submit legitimate loan applications for personal use
- Provide accurate information about your financial situation
- Communicate respectfully with our customer service team
- Use our website and services in accordance with applicable laws
Prohibited Activities
Fraudulent Behavior:
- Providing false or misleading information on applications
- Using another person’s identity or personal information
- Submitting applications with intent to defraud lenders
- Creating multiple accounts to circumvent eligibility requirements
Misuse of Services:
- Using automated tools or bots to submit applications
- Attempting to reverse engineer or copy our technology
- Interfering with the normal operation of our website or services
- Using our services for commercial purposes without authorization
Consequences:
- Immediate termination of access to our services
- Reporting to appropriate authorities for suspected fraud
- Potential legal action for violations of law
- Cooperation with law enforcement investigations
Website Terms
Intellectual Property
Our Content:
- All website content, design, and technology are our property or licensed to us
- You may not copy, distribute, or modify our content without permission
- Our trademarks and logos may not be used without written consent
- User-generated content may be used by us for business purposes
Your Content:
- You retain ownership of information and documents you submit
- You grant us license to use submitted information for our services
- We may share your information with lenders as described in our Privacy Policy
- You are responsible for ensuring you have rights to submit all content
Website Availability
Service Limitations:
- We strive to maintain website availability but cannot guarantee continuous access
- Scheduled maintenance may temporarily interrupt service
- Technical issues or high traffic may affect website performance
- We are not liable for damages caused by service interruptions
Privacy and Data Protection
Information Collection and Use
Data Practices:
- Our Privacy Policy governs collection and use of your personal information
- We use your information to provide loan matching services
- We share information with lenders to facilitate loan applications
- We implement security measures to protect your personal data
Your Privacy Rights:
- You have certain rights regarding your personal information
- You may request access to or deletion of your personal data
- You can opt out of marketing communications at any time
- State-specific privacy rights may apply based on your location
Disclaimers and Limitations
Service Disclaimers
“As Is” Basis:
- Our services are provided without warranties of any kind
- We do not guarantee the availability or functionality of our website
- Information on our website is for general purposes and may not be current
- We disclaim all warranties, express or implied, regarding our services
No Guarantee of Results:
- We cannot guarantee loan approval or specific loan terms
- Lender decisions are based on their independent criteria
- Economic conditions and regulations may affect loan availability
- Individual circumstances determine loan eligibility and terms
Limitation of Liability
Damages Limitation:
- Our liability is limited to the maximum extent permitted by law
- We are not liable for indirect, incidental, or consequential damages
- Our total liability will not exceed the amount you paid us (which is zero)
- We are not responsible for lender actions or loan terms
Third-Party Actions:
- We are not liable for actions or omissions of lenders in our network
- Lenders are independent entities responsible for their own conduct
- We do not control or guarantee lender performance or compliance
- Disputes with lenders must be resolved directly with the lending institution
Governing Law and Disputes
Applicable Law
Jurisdiction:
- These Terms are governed by the laws of the State of Alabama
- Any disputes will be resolved in Alabama state or federal courts
- You consent to personal jurisdiction in Alabama for dispute resolution
- Alabama law applies regardless of conflict of law principles
Dispute Resolution
Arbitration Agreement:
- Most disputes must be resolved through binding arbitration
- Arbitration will be conducted under American Arbitration Association rules
- You waive the right to participate in class action lawsuits
- Small claims court disputes under $5,000 are exempt from arbitration
Informal Resolution:
- We encourage attempting informal resolution before formal proceedings
- Contact our customer service team to discuss any concerns
- We will work in good faith to resolve disputes amicably
- Formal proceedings should be a last resort after informal attempts
Changes to Terms
Modification Rights
Our Right to Update:
- We may modify these Terms at any time with or without notice
- Material changes will be communicated through our website or email
- Continued use of our services constitutes acceptance of modified terms
- You should review these Terms regularly for changes
Your Options:
- If you disagree with modified terms, discontinue use of our services
- Contact us with questions or concerns about term changes
- Existing applications may be governed by previous terms
- New applications will be subject to current terms
Termination
Service Termination
Our Right to Terminate:
- We may suspend or terminate your access at any time for any reason
- Violation of these Terms may result in immediate termination
- We may discontinue services or cease operations with notice
- Termination does not affect existing loan agreements with lenders
Effect of Termination:
- Your right to use our services ends immediately upon termination
- Surviving provisions of these Terms remain in effect after termination
- We may retain your information as required by law or regulation
- Outstanding obligations to third parties remain your responsibility
Regulatory Compliance
State and Federal Laws
Licensing and Compliance:
- We comply with applicable state and federal regulations
- Our services are available only in states where legally permitted
- We maintain necessary licenses and registrations where required
- Regulatory changes may affect service availability
Consumer Protection:
- We support consumer protection laws and fair lending practices
- We do not tolerate predatory lending by network partners
- We provide educational resources about responsible borrowing
- We encourage borrowers to understand all loan terms before accepting
Contact Information
Customer Service – contact us by email [email protected].
Acknowledgment
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these Terms, you should not use our services.
These Terms constitute the entire agreement between you and Loans with Spirit regarding use of our services, superseding any prior agreements or understandings.