Terms Of Use

Last updated: January 1, 2020

Terms of Use

Signature One Financial, LLC (collectively “we”, “us”, “our”, or “the Company “) requires you to review this Terms of Use Agreement (“Agreement”) before using this website or seeking services and products provided by us.

This Agreement outlines the terms of use for this website and services and the products provided through this website. By browsing, accessing or using this website and services, through any means or by using the goods, facilities or services offered in or through this website and its services through multiple methods (including, for example, telephone, mail, text, email or facsimile), you accept and agree to be bound by these Terms of Use (the terms “Website/services” and “Website/services” include use through these alternative methods).

You certify to The Company that:

• You are at least 18 years of age.

• You assume full responsibility for the use of this website/service by any minors.

• That the information you have submitted to us on this website or otherwise, is accurate, complete and that you have not submitted or provided false information to us.

• You are aware your use of this website/service is subject to all applicable federal, state, and local laws and regulations.

Unsecured Personal Loan Statement

Personal Loan: unsecured loans range in amounts of $2,000 to a maximum of $50,000, and not all lenders (lender/lenders collectively refer to Signature One Financial, LLC and its lending partners) provide up to $50,000. Not all consumers will qualify for a Personal Loan. We do not guarantee that you will ultimately be approved for any type of loan. APR/Interest rates* will vary depending on lender’s terms and creditworthiness of applicant. We do not charge you for referring you to any other lender or loan related product. Cash transfer times for loan funding vary among lenders and may depend on your individual financial institution or bank. This service and products participating lenders are not available in all states. For some loans and products, the loans are meant as a short term solution and for immediate cash needs and should be considered as such, short term not long term solutions. Lenders will require a credit report comprised of information from the three credit bureaus: Equifax, Experian, and Transunion. Some lenders may require alternate consumer credit information reports through alternate sources.

Your credit worthiness will be verified by the lenders which you are authorizing to independently review by submitting your request. This service and products do not constitute an offer or solicitation for loan products which are prohibited by any state laws and are void where prohibited.

Credit Authorization and Certification

This offer is for an unsecured personal loan referred by Signature One Financial, LLC. All unsecured personal loan inquiries submitted through Signature One Financial, LLC are funded by us or one of our lending partners, a third party lender, and are subject to provisions. (*See Terms & Conditions below) You are authorizing us to make inquiries and obtain information about you as we deem appropriate for the purpose of evaluating you for an extension of credit, including but not limited to: credit reports, income verification, and contacting your employer. You authorize us to make available identification information about you and our credit experience information with you to others in accordance with applicable law. Duplicate offers received as a result of multiple mailing to the same person are void along with multiple acceptances of this same offer. This offer is subject to the expiration date listed on the front page.

* Important Pre-selected information and Terms and Conditions for This Offer

Lenders we refer to you may be unable to extend credit, if, after you respond to this offer, the lenders determine that you no longer meet the criteria established prior to this offer. This offer may be accepted only by the person identified in this letter. Account approval is subject to verification and confirmation of your credit history and acceptance by a lender. Lenders may request verification of income and employment from your employer(s). Self-employed or commissioned applicants may be asked for the past two years of income tax filings, alimony, child support or separate maintenance income need not be disclosed if you do not wish us to consider it as a basis for repayment. Offers expire on the date indicated herein. If we receive a response to this offer after the expiration date, Signature One Financial, LLC may refer you to other lenders. If you chose to apply for a loan through a lender we refer you to, a consumer report will be obtained to evaluate your credit worthiness in connection with your application for credit. If we receive your response after the expiration date, or the name and address on this offer differs from the information you provide to us, we will treat your response as an application for an account that was not pre-screened. If you choose to continue that application, a credit report will be obtained to evaluate creditworthiness in connection with your application for credit. If you omit, misrepresent, or falsify any information on an application for a loan, the lender may deny your request for an account. A consumer report will be acquired and reviewed to verify, among other things, your identity to protect your information. Upon request, you will be informed of the name and address of the credit reporting agency providing said report. Subsequent consumer reports may be requested and used in connection with an updated application, extension of new credit, or renewal application.

**Interest rates will vary and are based on lender terms. Ranges from 5.99%-36.0%

†For example, with a credit grade of A1 you could receive a loan of $10,000 with an interest rate of 6.03% and a 1.11% origination fee of $111 for an APR of 6.78%. In this example you will receive $9,889 and will make 38 monthly payments of $304. Your APR will be determined based on your credit at time of application. There is no down payment and there is never a pre-payment penalty. Closing of your loan is contingent upon your agreement to all of the required terms of specific lenders.

For more information, contact us either by:

Calling us at 1-888-474-4087  or

Emailing us at compliance@signatureonefinancial.com

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