Terms of Service

1. Acceptance of Terms

By visiting justloansapply.com, submitting a loan inquiry form, clicking any agreement button, or otherwise using our services, you ("User," "you," or "your") agree to be legally bound by these Terms of Service, our Privacy Policy, and any additional terms, guidelines, or policies we may post on the Site. These documents are incorporated herein by reference and together constitute the entire agreement between you and Just Loans.

If you are using the Site on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization to these Terms, and your agreement to these Terms constitutes the agreement of such organization.

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site after any modification constitutes your acceptance of the updated Terms.

2. Eligibility

To use this Site and submit a loan inquiry, you must meet all of the following eligibility requirements:

• You must be a legal resident of the United States;
• You must be at least 18 years of age (or the age of majority in your state, whichever is greater);
• You must have a valid U.S. bank account capable of receiving direct deposits;
• You must have a verifiable source of regular income;
• You must provide accurate, truthful, and complete information on your application;
• You must not be submitting an application on behalf of another person;
• You must not be prohibited by applicable law from entering into loan agreements in your state of residence.

We reserve the right to refuse service to any user at our sole discretion. Eligibility for the Site does not guarantee eligibility for any specific loan product or approval by any lender.

3. Description of Service

JustLoansApply.com is a loan-matching service, not a direct lender, bank, credit union, or financial institution. We do not make credit decisions, issue loans, set interest rates, or determine loan terms. Our service connects consumers who are seeking personal installment loans with a network of third-party licensed lenders and lending partners ("Lenders") who may extend loan offers.

How the Service Works

When you submit a loan inquiry through our Site:

1. We collect your personal and financial information as described in our Privacy Policy.
2. We transmit that information to one or more Lenders in our network who may be able to offer you a loan.
3. Interested Lenders may contact you directly with a loan offer, subject to their own underwriting criteria.
4. If you receive an offer and wish to proceed, you will enter into a direct loan agreement with the Lender — not with Just Loans.

Loan Ranges

Loan amounts available through our network generally range from $500 to $5,000. Actual availability, amounts, rates, and terms vary by Lender and by the state in which you reside. Not all loan products are available in all states.

No Continuous Relationship

Submitting a loan inquiry does not create an ongoing relationship between you and Just Loans beyond the matching service described above. Once your information is submitted to a Lender, your relationship is with that Lender, not with us.

4. Binding Arbitration & Class Action Waiver

Agreement to Arbitrate

You and Just Loans agree that any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Site, or any loan inquiry submitted through the Site ("Dispute") will be resolved exclusively through final and binding arbitration, rather than in court, except as set forth below. This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.).

Class Action Waiver

YOU AND JUST LOANS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

Arbitration Procedures

Arbitration shall be conducted by a neutral arbitrator in accordance with the rules of the American Arbitration Association ("AAA") or JAMS, as agreed upon by the parties. The arbitration will take place in the state of your residence or, if agreed, by telephone or video conference. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Exceptions to Arbitration

The following Disputes are excluded from binding arbitration: (a) claims that qualify for small claims court; (b) claims seeking emergency injunctive relief to prevent imminent harm; and (c) claims related to intellectual property infringement.

Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to [email protected] with the subject line "Arbitration Opt-Out" within 30 days of first using our Site. Your opt-out notice must include your full name and email address. If you opt out, you retain your right to litigate Disputes in court, and the class action waiver above will not apply to you.

5. No Guarantee of Approval or Loan Terms

Submitting a loan inquiry through our Site does not guarantee that you will:

• Receive a loan offer from any Lender;
• Be approved for a loan;
• Receive the loan amount, interest rate, or repayment terms you requested or expected;
• Receive a response within any particular timeframe.

All credit decisions are made exclusively by the individual Lenders in our network, based on their own underwriting criteria. Just Loans has no control over, and makes no representations regarding, the approval decisions, interest rates (APR), fees, repayment schedules, or any other terms of any loan product offered by a Lender.

Annual Percentage Rates (APR) on loan products available through our network typically range widely. You should carefully review and understand all loan terms — including APR, total repayment amount, fees, and payment schedule — before accepting any loan offer.

6. Credit Authorization

By submitting a loan inquiry through our Site, you authorize Just Loans and the Lenders in our network to obtain information about you from consumer reporting agencies, including but not limited to TransUnion, Experian, Equifax, and specialty consumer reporting agencies such as Clarity Services, FactorTrust, or Teletrack.

Soft Inquiry

Just Loans may perform a soft credit inquiry in connection with your loan inquiry. A soft inquiry does not affect your credit score and is not visible to other creditors.

Hard Inquiry

If a Lender in our network decides to proceed with a full evaluation of your application, they may perform a hard credit inquiry, which may affect your credit score and will be visible to other creditors. You will be notified by the Lender before any hard inquiry is performed. By consenting to a Lender's terms, you authorize that Lender to perform a hard inquiry.

7. Fees & Compensation Disclosure

Using justloansapply.com to submit a loan inquiry is free of charge to you. Just Loans does not charge you any fee for using the matching service.

Just Loans receives compensation from Lenders and other third-party partners when a consumer submits an inquiry or is matched with a lending offer. This compensation may influence which Lenders appear on our Site, the order in which they are presented, or which offers you receive. However, Just Loans does not charge you a fee and does not take a portion of your loan proceeds.

Any fees associated with a specific loan product — including origination fees, late payment fees, prepayment penalties, or other charges — are determined solely by the individual Lender and will be disclosed in your loan agreement. You are under no obligation to accept any loan offer.

8. User Representations & Prohibited Activities

Your Representations

By using this Site and submitting a loan inquiry, you represent and warrant that:

• All information you provide is true, accurate, current, and complete;
• You are applying for a loan for yourself and not on behalf of any other person;
• You meet all eligibility requirements set forth in Section 2;
• You are not using the Site for any unlawful purpose;
• You have the legal right to enter into this Agreement and any resulting loan agreement.

Prohibited Activities

You agree that you will not:

• Provide false, misleading, fraudulent, or inaccurate information at any point during the application process;
• Submit multiple simultaneous applications using different identities or information;
• Impersonate any person or entity or falsely state your affiliation with any person or entity;
• Attempt to gain unauthorized access to any portion of our Site, systems, or networks;
• Use automated systems, bots, scrapers, or crawlers to access, extract, or copy any content from the Site;
• Interfere with or disrupt the integrity or performance of the Site or the data it contains;
• Use the Site to transmit any malware, viruses, or other harmful code;
• Engage in any activity that could impose an unreasonable load on our infrastructure;
• Circumvent any security or access control measures on the Site;
• Use the Site in any manner that violates applicable federal, state, or local laws or regulations.

Violation of this section may result in immediate termination of your access to the Site and may subject you to civil or criminal liability.

9. Electronic Communications Consent

By submitting a loan inquiry through our Site, you expressly consent to receive communications from Just Loans and Lenders in our network via email, text message (SMS), and telephone calls — including through the use of automated telephone dialing systems and pre-recorded messages — at the contact information you provide. This consent is not a condition of receiving any service.

Standard message and data rates may apply to text messages. You may opt out of text message communications at any time by replying "STOP" to any text message you receive. To opt out of email communications, use the unsubscribe link included in any marketing email.

You agree to receive these Terms of Service, our Privacy Policy, and any other notices and disclosures in electronic form. To receive electronic communications, you need a device capable of accessing the internet and a valid email address.

10. Intellectual Property

All content on justloansapply.com — including text, graphics, logos, icons, images, audio clips, data compilations, and software — is the property of JustLoansApply.com or its content suppliers and is protected by United States and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site solely for your personal, non-commercial use in connection with our loan-matching service. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without our prior written consent.

All trademarks, service marks, trade names, and logos displayed on the Site are the exclusive property of their respective owners. Nothing in these Terms grants you any right to use any trademark, service mark, or logo without the prior written permission of the applicable owner.

11. Third-Party Links & Lenders

Our Site may contain links to third-party websites, including Lender websites and financial product partners. These links are provided for your convenience only. Just Loans has no control over the content, privacy practices, or policies of any third-party website and accepts no responsibility for them. The inclusion of any link does not imply our endorsement of the linked site.

When you leave our Site and are redirected to a Lender's website, you are subject to that Lender's own terms of service and privacy policy. We encourage you to read those documents carefully before submitting any information or accepting any loan offer. Just Loans is not responsible for the acts or omissions of any Lender in our network.

12. Disclaimer of Warranties

THE SITE AND ALL SERVICES, CONTENT, AND INFORMATION PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, JUST LOANS EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

JUST LOANS DOES NOT WARRANT THAT: (A) THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE; (B) DEFECTS WILL BE CORRECTED; (C) THE SITE OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (D) THE RESULTS OF USING THE SITE WILL MEET YOUR REQUIREMENTS.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL JUST LOANS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES — ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF JUST LOANS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN ANY CASE, THE AGGREGATE LIABILITY OF JUST LOANS FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you in full.

14. Indemnification

You agree to defend, indemnify, and hold harmless Just Loans, its officers, directors, employees, contractors, agents, affiliates, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of or access to the Site;
• Your violation of any provision of these Terms;
• Your violation of any third-party right, including any intellectual property or privacy right;
• Any false, inaccurate, or misleading information you submit through the Site;
• Any claim that your use of the Site caused damage to a third party.

This indemnification obligation will survive the termination of your use of the Site and these Terms.

15. Governing Law & Dispute Resolution

These Terms and any dispute arising out of your use of the Site shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law principles. To the extent any Dispute is not subject to arbitration under Section 4, you agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Nevada for the resolution of such Dispute.

Any claim or cause of action arising out of or related to your use of the Site or these Terms must be filed within one (1) year after the claim or cause of action arose, or it will be forever barred. This one-year limitation period is in addition to and does not replace any shorter limitations period that may apply under applicable law.

16. Modifications to Terms

Just Loans reserves the right to modify, amend, or update these Terms of Service at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page. We may also, at our discretion, provide additional notice such as a banner on the Site or an email notification.

Your continued use of the Site after any changes to the Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Site immediately.

17. Termination

Just Loans reserves the right to suspend or terminate your access to the Site at any time, with or without cause, with or without notice, effective immediately. Grounds for termination include, but are not limited to, violation of these Terms, fraudulent activity, or conduct that is harmful to other users, Lenders, or Just Loans.

Upon termination, your right to use the Site will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification obligations, and limitations of liability.

You may also discontinue use of the Site at any time by simply ceasing to access it.

18. Contact Information

If you have any questions about these Terms of Service or wish to contact us regarding a legal matter, please reach out to:

We will endeavor to respond to all inquiries within 10 business days. For urgent legal matters, please mark your subject line "URGENT — Legal."