Disclosures

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. To provide our services for free to our users, we may receive a fee or commission from our Network Partners for referring a lead to them. This may influence how or where products appear on the site.

Terms & Conditions

  1. Introduction. You are visiting a website owned and operated by LoansRoyce . LoansRoyce and its subsidiaries (collectively, LoansRoyce”, “us”, “we”, or “our”) offers this Website to you conditioned upon your acceptance of all terms, conditions, policies and notices stated herein. These Terms and Conditions (hereafter “Terms”) applies to LoansRoyce and all websites owned and operated by LoansRoyce on which these Terms are displayed (referred here after as Website(s) or Site(s), whether individually or collectively) as well as LoansRoyce affiliates. This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept, and agree to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference, You agree that, to the fullest extent required by the law of any state, that you have been provided with, have received, and are agreeing to all disclosure and consent requirements. Certain Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service.

  2. Agreement. By accessing, browsing, or using the Websites, you acknowledge that you understand, accept, and agree (i) to be bound by this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference; (ii) to the fullest extent required by the law of any state, that you have been provided with, have received, and are agreeing to all disclosure and consent requirements; and (iii) that you are of legal age and not prohibited by law from accessing or using the goods and Services offered herein. Certain Services may include additional terms; by agreeing to proceed with any such Services, you acknowledge that you have read, understand, and agree to be bound by any additional terms displayed or referenced that apply to that Service. If you do not agree to all these Terms, then you may not access this Website or use any of its Services.

  3. Modification. We reserve the right, in our sole discretion, to change these Terms at any time by posting revised terms on this Website. The date on which these Terms have been last updated will be noted immediately above this page and the revised Terms will take effect seven (7) days after their publication on this Website. Therefore, you should visit this page periodically to review any changes. Your continued use of this Website after any such changes have been made constitutes acceptance of those changes.

  4. Eligibility. The Services on offered on this Website are not available to persons under the age of 18 or to persons who are not legal residents of the United States. By using this Website, apply for or using any of its Services, you represent and warrant that you are at least 18 years of age and are a legal resident of the United States. Not all Services are available in all geographic areas. Your eligibility for particular Services is subject to final determination by LoansRoyce, its affiliates, and or its lending partners.

  5. Authorization to Obtain a Credit Report and Credit Score. You understand and agree that by submitting your loan request, you are providing written instruction under the Fair Credit Reporting Act authorizing us and/or the lenders with whom your request is shared to obtain your consumer credit report, credit score, and/or other information from any consumer reporting agency, including Clarity, Experian, TransUnion, Equifax, and Array, in order to provide you with quotes and verify your identity. These lenders may obtain your credit report, credit score, and other information to make a final decision before extending a loan to you. Additionally, you understand and agree that providers may use third party services to obtain information relating to you and to verify any information that you provide including, without limitation your social security number, address, phone number, bank account information and employment history.

  6. Services Offered by this Website.

    Online Marketplace for Lenders and Other Providers. This Website functions as an online marketplace for you to find third party lenders and other providers that may be of interest to you. By clicking “Submit” or any button indicating acceptance, you are certifying that all of the information you have provided is your loan request form is true, accurate, and complete. Lenders and non-lenders (hereafter “Network Partners”) that participate in our network may use specific criteria, or filters, to identity the consumers with whom they would like to connect with. The Network Partners also specify the prices they will pay us for the opportunity to present an offer to a consumer that meets the Network Partner’s criteria.

    When you submit your loan request, LoansRoyce transmits the information you entered in the loan request form through our network in real time, presenting the information to Network Partners electronically until one Network Partner, often the highest bidding, accepts your loan request. You will then be directed to that Network Partner’s website where they may present you an offer for a loan or other products that may be of interest to you. If no Network Partner accepts your loan request, we may present you with an offer to submit another loan request or an offer for a different product. We also may share your contact information with third-party marketers and service providers that may contact you by email or text message/SMS (please note data and messaging rates may apply) to offer you loans or other products that may be of interest to you.

    Tribal Lender Disclosure. When you submit a loan request on this Website, you may be connected to a tribal lender or marketplace lender. Tribal lenders may claim exemptions from state licensing and usury caps, based on tribal immunity or bank preemption. Please note that the rates and fees offered by these lenders may be higher than those offered by state-licensed lenders. In addition, with tribal lenders, you may be required to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, regardless of its lending model, and to reject any particular loan offer that you cannot afford to repay or that include terms that are not acceptable to you. By submitting your loan request, you agree that you have read and understand this above statement.

    We Are Not a Lender. LoansRoyce is not a lender, financial institution, loan broker or an agent of a lender, financial institution or loan broker. This Website does not constitute an offer or solicitation to lend. This website collects personal information provided by you and uses that information to connect you to third party lenders and non-lenders in our network. Your information may be shared with non-lenders or other intermediary service providers, to help connect you with a lender. Providing your information on this Website does not guarantee that you will be approved for a loan. Not all lenders can provide loans in the amounts advertised on the Websites. The amount of time to transfer funds may vary between lenders and may also depend on your individual financial institution. Lenders that participate in the services provided by this website do not offer loans in every state. If you are from a state that the lenders do not service, you will not be connected to a lender. For details, questions, or concerns regarding your loan, please contact the lender directly.

    Advertiser Disclosure. This Website provides its services to you free of charge but may receive payment from lenders and non-lenders for referring a lead to them. Your use of this Website’s services constitutes your agreement with this compensation arrangement. This Website does not endorse or recommend the services or products of any particular Network Partner. You should rely on your own judgment in deciding which available loan product, terms, lender and/or Network Partner most closely fits your needs and financial situation. We do not guarantee that the loan terms or rates offered and made available by lenders are the best terms or lowest rates available in the market.

    Request for Other Products and Services. LoansRoyce may also allow you to request products or services other than loans that are advertised on this Website based on your interest. These non-loan related products or services may include debt consolidation or settlement, auto title loans, health insurance products, credit card products and/or any products or services that may be of interest to you. Based on your interest, we may offer these ancillary products or services as additional options to consider.

    Not Professional Advice. LoansRoyceand the products and services it promotes are not a substitute for professional advice. We provide our Services solely for your convenience, and such Services (i) are not intended as a substitute for professional advice; (ii) should not be construed as the provision of advice or recommendations; and (iii) should not be relied upon as the basis for any financial decision or action. We are not responsible for the accuracy or reliability of any Services. It is your responsibility to evaluate the accuracy, completeness or usefulness of any Services available through this Website. The relationship between you and us is not a professional or similar relationship. We always recommend you seek the advice of a qualified professional with respect to any questions you may have, and to never disregard professional advice or delay in seeking it because of something you have read on this Website.

  7. Data Sharing with Lenders, Providers, Non-Lending Financial Institutions, and Third Parties. When you voluntarily submit your loan request, you understand and agree that we will share the information provided in the loan request form with lenders, providers, non-lending financial institutions, and third parties (also referred to as “Network Partners”). Network Partners may keep the information provided in your loan request form, and other information provided to us or received by them in the processing of your loan request, or other products or services that may be of interest to you. Network Partners may retain this information, whether or not you qualify for or take a loan with them, and whether or not you are qualified for the goods or services offered. You agree to notify any particular Network Partner directly if you no longer want to receive communications from them. In addition, LoansRoyce and its Network Partners may share the information you provide to them with state licensing authorities and government regulators.

    Pursuant to contractual relationships between Network Partners and LoansRoyce , LoansRoyce may receive information from the Network Partner regarding the status of your loan request, but not limited to, the amount or disposition of your loan. Information specific to the Network Partner you may be connected with will be found in the Network Partner’s specific Privacy Policy. Please note that you are providing your express written consent for LoansRoyce and the selected Network Partners to share this personally identifiable information for the following purposes: to provide the services and products that you seek, litigation, regulatory request(s), law enforcement requests, internal analytics, and/or for marketing purposes.

  8. Consent to Review Communications via Email or Electronically. Network Partners also be required by law to provide you with certain Disclosures and Communications. These Network Partners must obtain your consent in order to provide you with Disclosures and Communications electronically. By submitting a loan request on or through this Website, you affirmatively consent and agree to receive all Disclosures and Communications required by law electronically in accordance with the terms of our E-Consent.

    Disclosures and Communications may transmit or convey information about action taken on your request, portions of your request that may be incomplete or require additional explanation, any notices required under applicable law, which may include any Federal Truth-in-Lending disclosures, State disclosures, other terms, conditions and documents, and the privacy policies of LoansRoyce and its Network Partners. You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting LoansRoyce at [email protected].

    If at any time you do not wish to continue to receive communications from LoansRoyce and its Marketing Service Providers, you may contact LoansRoyce to opt out (i) through this here, or (ii) by sending us an e-mail to [email protected].

  9. Consent to Receive Communications, Telephone Calls and/or SMS Messaging. When you submit your information on our Website and consent to receive communications from us, please note that we may communicate you via telephone calls and/or SMS messaging where you have provided your express consent to be contacted through those forms of communication. You may receive these communications directly from us or our e-mail and SMS messaging service providers (hereafter “Marketing Service Providers”) on behalf of us. You agree to receive communications from us and our affiliates electronically and that all agreements, notices, disclosures and other communications (hereafter “Disclosures and Communications”) that we can provide to you electronically satisfy any legal requirement that such communications be in writing

    By submitting your loan request through this Website, you consent to be contacted by us, our Marketing Service Providers and/or each Network Partner that we transmit your information to, and their affiliates and service providers, by (i) telephone at the numbers you have provided whether landline or cellular, even if your phone number is on any federal, state, or local Do-Not-Call registry and you agree to receive pre-recorded calls and/or messages made with an automatic dialing system; and/or (ii) by SMS/text messaging to the mobile number that you provide, in which case data and message rates may apply. These texts and/or calls may market non-loan related products or services. Including debt consolidation/settlement, health insurance products, auto title loans, credit card products and/or any other products or services that may be of interest to you. Consent is not required in order to purchase goods and services from LoansRoyce or the Network Partners that reach out to you. By submitting a loan request through this Website, you understand and agree that you have established a business relationship between you and LoansRoyce

    By submitting your information on our Website, you give us permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to you submission, including incomplete loan requests, the delivery of loan request offers, deadlines, quality of service or other matters in connection with your loan request or any other good or service

    If at any time you do not wish to continue to receive communications from LoansRoyce and its Marketing Service Providers, you may contact LoansRoyce to opt out (i) through this here, or (ii) by sending us an e-mail to [email protected]. .

  10. Copyrights and Trademark. All content within this Website, including without limitation all software, graphics, text, design, images, illustrations, databases, user interfaces, visual interfaces, audio, design, structure, arrangement, products and information (collectively, “Content”) of this Website are owned, controlled, and licensed by LoansRoyce and/or its licensors. The Content is protected by trademark, copyright, and patent laws, and other intellectual property rights and unfair competition laws. Except as expressly stated herein, no part of the Websites or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, transmitted or distributed in any way, including the use of framing or mirrors, to any other computer, server, website or other medium for publication

  11. Privacy. We respect your privacy and use generally accepted industry standards to safeguard your personally identifiable information. For additional information regarding this Website’s collection and use of your personally identifiable information in connection with your use of this Website, please see our Privacy Policy. LoansRoyce and/or its Network Partners may obtain, verify, and record information including, but not limited to, your name, social security number, address, telephone number and date of birth, that will allow them to properly identify you. During the Network Partner’s formal application process, they also may ask to your driver’s license or other identifying documentation to further assist in certifying your identity.

  12. Foreign Users. LoansRoyce makes no representation that materials in this Website are appropriate or available for use in other locations. If you access this Website from outside the United States, please understand that this Website may contain references and/or links to products and services that are not available or are prohibited in your jurisdiction. Any user who is a resident of a foreign country agrees that (i) they have voluntary sought and established contact with LoansRoyce; (ii) they will not use, transmit, disseminate or upload any material, content, that would violate any applicable local, state or national laws or regulations of the foreign member’s country of resident; (iii) under no circumstance shall LoansRoyce be deemed liable under any laws other than the United States; (iv) his or her participation is governed by United States law and subject to the arbitration and venue provisions stated herein; and (v) consent to having their data processed in the United States.

  13. Representations and Warranties. You represent and warrant to LoansRoyce that (i) you are at least 18 years of age; (ii) you are authorized to enter into this agreement; (iii) you will not use this Website or the Contents herein for any purpose or manner that violates any laws, regulation or that infringes the rights of us or any third party; (iv) any information or data you provide to us will not violate any law, regulation or infringe the rights of any third party; (v) all information that you provide to us in connection with this Website (e.g. name, e-mail address, phone number and/or other information) is true, correct and accurate; and (vi) you are authorized and able to fulfill and perform the obligations and meet the conditions of a user as specified herein.

  14. Disclaimers and Liability. THIS WEBSITE DOES NOT WARRANT, GUARANTEE OR MAKE REPRESENTATIONS REGARDING YOUR USE, OR THE ULTIMATE OUTCOME OF YOUR USE OF THIS WEBSITE, IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, INTENDED PURPOSE, QUALITY, FUNCTIONALITY, OR OTHERWISE. THIS WEBSITE AND MATERIALS CONTAINED HEREIN ARE PROVIDED TO YOU “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NONINFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY OUT OF COURSE OF DEALING, USAGE OR TRADE. LoansRoyce IS NOT RESPONSIBLE OR LIABLE FOR ANY NETWORK PARTNER’S ACTS OR OMISSIONS INCLUDING FOR ANY QUOTES OR SERVICES THAT ANY SUCH NETWORK PARTNER MAY PROVIDE, FOR ANY NETWORK PARTNER’S CONTACTING OR FAILURE THEREOF TO CONTACT YOU, FOR ANY NETWORK PARTNER’S PERFORMANCE OR FAILURE TO PERFORM ANY SERVICES, OR FOR ANY AGREEMENT OR TRANSACTION BETWEEN YOU AND ANY NETWORK PARTNER.

    YOU AGREE THAT LoansRoyce, ITS MARKETING SERVICE PROVIDERS, AND NETWORK PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, LOSS OF DATA, LOSS OF SECURITY ARISING OUT OF OR IN ANY WAY CONNECTED TO YOUR USE OF THIS WEBSITE, OR OF INFORMATION OR MATERIALS AVAILABLE THROUGH THE WEBSITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF LoansRoyce HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IN PARTICULAR AND WITHOUT LIMITATION, TOTAL LIABILITY OF LoansRoyce FOR ANY REASON WHATSOEVER RELATED TO YOUR USE OF THIS WEBSITE, RESULTS FROM USE OF THIS WEBSITE, OR FOR ANY CLAIMS RELATING TO THIS AGREEMENT SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD). THE FOREGOING LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, OUR LIABILITY IN SUCH JURISDICTION SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

  15. Idemnity. As a condition of use of this Website and/or LoansRoyce’s services, you agree to indemnify LoansRoyce and its Marketing Service Providers, and Network Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising out of claims resulting from your use of this Website, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms. You must not settle any such claim or matter without the prior written consent of LoansRoyce. The LoansRoyce parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claim.

  16. Errors and Delays. You agree that LoansRoyce is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address or other information provided by you or other technical problems beyond our reasonable control.

  17. Links to Third Party Websites. This Website may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. We do not operate or control in any respect any information, software, products or services available on non-affiliated third-party websites. Our inclusion of a link to a website does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. Your use of any such third-party websites may be subject to other terms and conditions imposed by the third parties maintaining those websites. When you leave this Website, you agree that we are not responsible for the accuracy or content of the information provided by that website, nor is it liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.

  18. Notice to Claim. For all disputes you may have, whether pursued in court or arbitration, you must first give LoansRoyce an opportunity to resolve the dispute by providing written notification to [email protected] and via postal mail to LoansRoyce, (i) your name, (ii) your address, (iii) a written description of your claim, and (iv) a description of the specific relief you seek. If LoansRoyce does not resolve the dispute within 30 days after it receives your notification, you may pursue your dispute as set forth above.

  19. Release and Discharge. YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE LoansRoyce, ITS MARKETING SERVICE PROVIDERS AND ITS NETWORK PARTNERS, AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENT OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THIS WEBSITE.

  20. Dispute Resolution and Binding Arbitration. YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND US, INCLUDING WITHOUT LIMITATION DISPUTES RELATING TO THIS WEBSITE, CONTENT OR SERVICE (“DISPUTE”), SHALL BE FINAL AND EXCLUSIVELY RESOLVED BY BINDING INDIVIDUAL ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (“AAA”) IN ACCORDANCE WITH ITS CONSUMER ARBITRATION RULES. DISPUTES WILL BE ARBITRATED AT A HEARING CONDUCTED IN LOS ANGELES, CALIFORNIA; THE ARBITRATOR(S) SHALL HAVE NO AUTHORITY TO DEVIATE FROM THE LAW, AND THE ARBITRATOR(S) SHALL MAKE ALL REASONABLE EFFORTS TO EXPEDITE THE ARBITRATION PROCEEDINGS AND TO LIMIT DISCOVERY. THIS MEANS THAT YOU WILL NOT BE ABLE TO LITIGATE ANY SUCH DISPUTE IN COURT, AND THAT YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL. YOU AGREE THAT ANY AND ALL DISPUTES WILL BE GOVERNED BY THE LAWS OF THE STATE OF CALIFORNIA WITHOUT REGARD TO ANY CONFLICT OF LAW PROVISIONS. IF ANY MATTER PROCEEDS IN COURT, INCLUDING POST-ARBITRATION CONFIRMATION PROCEEDINGS, YOU AGREE TO THE EXCLUSIVE PERSONAL JURISDICTION BY, AND VENUE IN, THE STATE AND FEDERAL COURTS LOCATED IN LOS ANGELES COUNTY, CALIFORNIA, AND WAIVE ANY OBJECTION TO SUCH JURISDICTION OR VENUE.

    You agree that no arbitration under this agreement shall be joined to an arbitration involving any other party subject to this agreement. Arbitration must be on an individual basis. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a privacy attorney general capacity. You also agree that any dispute or disagreement regarding the enforceability, applicability or interpretation of any provision of this agreement, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.

    You also agree that any dispute or cause of action arising out of or related to this Website, Services or Content must be commenced within one year from the later of (i) when the dispute or cause of action accrues, or (ii) through the exercise of reasonable diligence you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.

    This Agreement (including all referenced or incorporated policies, agreements and other provisions) constitutes the entire agreement between you and LoansRoyce and supersedes all prior or contemporaneous oral or written agreements or other communications between the parties with respect to the subject matter thereof. If a conflict between the language of these Terms and the language of any terms incorporated by reference, the latter incorporated terms shall control.

    You acknowledge and agree that, in entering into this Agreement, you are not relying on any representation, warranty, statement or promise, express or implied, not explicitly set forth in this Agreement, and you hereby waive any claimed reliance on same. If any provision of this Agreement shall be found to be invalid or enforceable, you agree such provision shall, to the maximum extent feasible, be modified by to render it enforceable with respect to the Dispute at issue and to reflect to the maximum extent possible the intent of the existing language of the provision when considered in the context of this Agreement as a whole, that such modified provision shall be enforced with respect to the underlying claims in the Dispute at issue, and that such a finding of invalidity or unenforceability shall not affect the validity or enforceability of this Agreement as a whole or of any other provision of this Agreement.

  21. No Class Actions. To the extent allowed by law, you and LoansRoyce each agree to waive any right to pursue disputes on a consolidated or class-wide basis; that is, to either join a claim with the claim of any other person or entity, or assert a claim in a representative capacity on behalf of anyone else in any lawsuit, arbitration, or other proceeding. You hereby understand that by agreeing to this class action waiver, you may only bring claims against LoansRoyce in an individual capacity and not as a plaintiff or class member in any purported class action or representative proceeding.

  22. DMCA Notice. Pursuant to the Digital Millennium Copyright Act (DMCA) Safe Harbor 17 U.S.C. § 512(c), if you believe that anything on this Website or service offered herein infringes any copyright that you own or control, you may file notice of such infringement, in compliance with the requirements of 17 U.S.C. 512(c)(3), with our designated agent at LoansRoyce, [email protected]. A copy of this legal notice may be sent to a third-party that may publish and/or annotate it. As such, your letter, with your personal information redacted, may be forwarded to the Chilling Effects Clearinghouse for publication.

  23. California Consumer Notice. Under California Civil Code Section 1789.3, California website users are entitled to know that they may file grievances and complaints with the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, in writing at 400 R Street, Suite 1080, Sacramento, CA 95814, by telephone at (916) 445-1254 or (800) 952-5210, or by e-mail at [email protected].

  24. Entire Agreement. These Terms and LoansRoyce’s Privacy Policy, which is hereby incorporated by reference as if set forth fully herein, represent the entire agreement between you and LoansRoyce with respect to subject matter herein, and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and LoansRoyce with respect to the Website.

  25. Miscellaneous. The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement. If you have questions, comments, concerns or feedback regarding this Agreement or our Services, please contact us at [email protected].

Lending Goals

Last Updated: November 11, 2021

You understand and acknowledge that LoansRoyce’s (collectively, LoansRoyce”, “us”, “we”, or “our”) Fair and Responsible Lending Policy (hereafter “Policy”) is intended to be read in conjunction with this Website’s Terms & Conditions and Privacy Policy This Policy is created in an effort to provide you with important information regarding your rights as a consumer and practices that may be applicable to our Network Partners. The contents of this Policy is not designed and should not be construed as legal advice. Any inquiries you may have regarding your loan or the presented loan offers should be addressed with the lender directly.

Introduction

LoansRoyce is not a lender or party to any loan or other transaction, does not broker loans to lending partners, and does not make loans or credit decisions. We submit the information you provide us to the lending partners in our database who may use a soft credit check to assess your eligibility for a personal loan and may then provide loan offers. LoansRoyce is committed to working with responsible lending partners who have policies in place to protect consumers against abusive, misleading, or fraudulent lending practices.

You can learn more about our Network Partners assess your eligibility for a loan in our Terms and Conditions. The loan amount of any loan offer, if one is made, will vary depending on the lender, your creditworthiness, and your state’s laws. There is not guarantee you will be presented with any personalized loan offers, or that upon presentation of any personalized loan offers you will qualify for the rates, fees, or terms shown on this site. If you receive a loan offer from one of our lending partners, it is imperative that you review each lender’s terms and conditions before proceeding with an application for a loan. Please note, that at the point of application with the lending partner, you may be subject to a full credit check.

Commitment to Fair and Responsible Lending Practices

LoansRoyce encourages consumers who feel their lender has violated any aspect of the law or regulatory requirements to file a complaint with the Consumer Finance Bureau, or any applicable enforcing agency.

The Equal Credit Opportunity Act (ECOA). ECOA prohibits discrimination based on race or color, marital status, religion, nationality or national origin, gender, age, income derived from public assistance programs, and the applicant’s exercise of any right under the Consumer Credit Protection Act. This Act applies to any extension of credit.

Fair Credit Reporting Act (FCRA). FCRA is intended to promote correctness, fairness, and confidentiality of information in Consumer Reporting Agency files by requiring the agencies to furnish correct and whole information to businesses when a consumer’s information is being evaluated for insurance, credit, or employment. Under the FCRA, consumers have the right to: (i) know the information within their credit file, (ii) be informed if information in their file has been used against them; (iii) dispute incomplete or erroneous data in their file; (iv) receive one disclosure at no cost every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies; (v) request a credit score from consumer reporting agencies for a fee; (vi) limit access the consumer’s file to people with a valid need for access; and (vii) limit unsolicited offers of credit and be provided with opt out rights of such communication.

The Truth in Lending Act (TILA). TILA is intended to promote knowledgeable use of consumer credit by requiring written disclosures regarding terms, costs and fees of loans before a consumer takes responsibility for the loan. This act additionally provides consumers the right to withdraw from certain credit dealings involving a lien on the consumer’s dwelling, provides a means for just and timely resolve of credit billing disputes and regulates credit card practices. Please note that this act does not mandate the charges that may be imposed for consumer credit. The lenders in LoansRoyce’s network are required to provide consumers with clearly written and discernable interest rates, late fees, and any other fees that may be connected with their loan before loan documents are fully executed.

Americans with Disabilities Act (ADA). The ADA prohibits discrimination against qualified individuals by ensuring that these individuals have equivalent access to goods and services offered by private businesses.

APR Disclosure

The Annual Percentage Rate (APR) is the yearly cost of credit, represented as a percentage. The APR includes fees related to originating the loan, not just the interest payments. By law, the lender must show you the APR before you enter into a loan agreement. States have laws limiting the Apr that the lender or partner can charge you. Please read the lender’s terms and conditions before proceeding with a personal loan.

Debt Collection Practices

LoansRoyce is not a lender, does not fund loans, and does not engage in any kind of practice related to debt collection. LoansRoyce aims to work only with reputable lenders who adhere to fair debt collections practices and guidelines. LoansRoyce supports the provisions of the Fair Debt Collection Practices Act (FDCPA) which is enforced by the Federal Trade Commission (FTC). The FDCPA forbids collectors and collection attorneys from using misleading behaviors, harassment, and other unethical practices in an effort to collect debt. The FDCPA additionally stipulates specific hours of the day in which consumers may be contacted. The FDCPA typically does not apply to first party creditors, however, certain states have passed laws similar to the FDCPA that may apply to first party creditors. Some lending partners in LoansRoyce’s network may collect their own debts and therefore may be subject to state lending or debt collection regulations. If a lender directly or indirectly violates a debt collection law or regulation, we suggest reporting the violation to the FTC.

Implications of Late Payment and Non-Payment

If you obtain a loan, it is vital that you understand implications that could result from making a payment late or from failing to make a payment. Each lending partner determines their own policy regarding fees that may be charged and/or other consequences from late or non-payments. Consequences can include added charges, negative implications to your credit history and score, collections, and more. We advise you to thoroughly review the payment policies provided in your loan documents before signing so you may understanding the policy and any potential fees or penalties associated with late or non-payments.

State Regulations

LoansRoyce has a due diligence process in place to help ensure that our lending partners are abiding by the applicable state and federal regulations. However, LoansRoyce is not responsible for any actions conducted from sources outside its control. Individual states may have their own regulations for lending, including laws pertaining to interest rate limitations, rollover terms, fees, loan terms, recession periods, etc. While LoansRoyce has policies and procedures in place to ensure the lending partners within our network comply with all federal and state regulations, it is necessary for each consumer to educate themselves about their loan offer prior to considering whether or not to accept the offer. This includes the federal and state laws, rules, and regulations that apply.

Rates & Fees

Only a lender or lending partner can provide you with information on their rates and terms. This will typically happen shortly after your loan request is complete, and you are connected with a lender or lending partner. LoansRoyce does not make credit decisions or determine rates and terms. Remember, you are under no obligation to accept the loan offer if the terms are not satisfactory for whatever reason.

Repayment

Repayment on personal loans is generally performed either monthly or once every two weeks, depending either on your preferences or your lender's or lending partner’s terms. You may be able to have funds withdrawn automatically from your bank account on the date agreed upon with your lender or lending partner. Be sure that you read and fully understand all policies regarding repayment and understand what you will have to do as a borrower to repay the loan. Your loan cannot be conditioned upon repayment by electronic funds transfer or automatic withdrawal. Consult your lender or lending partner for more details.

Personal Loan Costs

On the whole, the eventual cost of a personal loan will vary a great deal based on factors related to the requester, the state the requester lives in, the lender or lending partner, and the requester's repayment. Other factors that matter are the amount of money that is borrowed, the period of time of the loan and the specific interest rates used. Your credit score may also be taken into consideration.

Standard Personal Loan Terms

While specific terms of personal loans will vary depending on your state, your lender or lending partner and your specific circumstances, below is a general range of common terms.

  • Loan amount: $500 – $35,000
  • Lending period: 60 days - 72 months
  • Payment frequency: Once a month or twice a month
  • APR: Will vary based on your credit score, repayment history and other factors
  • Prepayment penalty: Varies by Lender

Credit Authorization

Credit Authorization Agreement

You acknowledge, agree, and authorize that LoansRoyce, its Network Partners, providers, and respective agents (collectively, “we”, “us”, or “our”) may obtain your credit report from one or more consumer reporting agencies, such as TransUnion, Experian, Equifax, or Clarity. You acknowledge that we may use the credit report for any purpose permitted by law, including:

(a) To authenticate and verify your identity based on the information you provided;

(b) To access your eligibility for credit and identify products and/or services you may qualify for;

(c) To determine your current debt-to-income ratio; and

(d) To obtain a credit score.

When you check your rates and review loan offers via LoansRoyce, we may perform a soft inquiry or hard inquiry on your credit report, which may impact your credit score.

Privacy Policy

Last Updated: May 1, 2024

  1. Introduction. You are visiting a website owned and operated by LoansRoyce. LoansRoyce and its subsidiaries (collectively, LoansRoyce”, “us”, “we”, or “our”) are committed to maintaining your confidence and trust as it relates to the privacy and usage of your information. Please read the following information carefully as it details how we collect, protect, share, and use your information. This Privacy Policy applies to LoansRoyce and all websites owned and operated by LoansRoyce on which this Privacy Policy is displayed (referred here after as Website(s) or Site(s), whether individually or collectively) as well as LoansRoyce affiliates.

    This Agreement also applies to your use of any goods, facilities or services offered through the Websites (collectively “Services”), regardless of how they are accessed. If you do not agree with our Privacy Policy and practices regarding how LoansRoyce handles your personal information, you should not use our Website. Accessing or using this Website signifies and confirms your acceptance of the terms set forth in this Privacy Policy. This Privacy Policy may change from time to time in our sole discretion. Accordingly, you should visit this Website and review the Privacy Policy periodically to determine if any changes have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.

  2. Information We Collect.

    Personally Identifiable Information. In the course of using this Website, we collect information that could identify you such as your name, email address, mailing address, phone number, social security number, driver’s license number, bank information, employment history, information related to your income, and credit.

    Other Information. We also collect other information that is not used to identify you, including, but not limited to, browser type, internet protocol (IP) address, device type, date and time stamp of visit, demographic data, and data about your online activity. We use cookies or similar technology to collect such information for advertising and other purposes.

  3. How We Collect Information.

    Information Provided by You. We collect personal information that you voluntarily provide when you enter it or otherwise provide it in connection with an inquiry into our Services. This information could be provided via an online phone, over the phone, electronic communication, or via other means in which you interact with our Services. Depending on the context of your interactions with us and the Services, the categories of personal information that we may collect directly from you include

    • Contact Information: including your name, street address, telephone number and email address.

    • Identifying Information: including your social security number, date of birth, and other similar identifiers.

    • Correspondence and Communications: including recordings of our email and phone conversations with you and any correspondence related to providing you with the Services.

    • Other Information You Choose to Provide: Including information you include in any webforms that you complete and submit and other information you provide during your interactions with us such as our chatbot on Freshworks

    Information from Service Providers. Information may be collected from third-party service providers, such as credit bureaus and service providers who may have data on your financial profile, home, or other demographic information.

    Information from Cookies and Other Tracking Technologies. We use cookies, web beacons, and similar technologies to record your preferences, track the use of our Website and collect information. This information may include IP addresses, browser type, internet service provider (ISP), referring pages, operating system, date and time stamp of visit, and/or click data.

  4. Information Collected through Automated Means.

    When you visit and interact with our Services, we may use cookies, pixels, web beacons, software development kits (SDKs), and other similar tracking technologies to collect certain information automatically

    The specific types of information we (and our services providers and partners) may collect include:

    • Device Information: which includes the Internet Protocol (IP) address and/or other unique identifier(s) assigned to your device; the location of your device; and other information about your browser, device, and operating system.

    • Usage Information: which includes information about your interaction(s) with our Services (e.g., the date and time of your visit(s); the area(s) or page(s) that you visit; the amount of time you spend on a page or use our Services; the domain name from which you accessed our Services; and other click-stream or usage information). We may use cookies or other similar technologies to collect information about your behavior on the website (e.g., how you move and scroll through our Services, your keystrokes, how you interact with webforms, etc.) and the actions that you take upon receipt of an email from us.

  5. Advertising and Analytics. We use third-party analytics and tracking tools to better understand who is using our Services, how the Services are used, and how to improve the effectiveness of our Services and related content. We may also use the information collected to draw inferences. For example, we use Google Analytics and Meta Pixels to better understand how users interact with our Services.

    Google Analytics. For information on Google Analytics’ information-handling practices and how you can control the use of information sent to Google, visit https://policies.google.com/technologies/partner-sites. If you wish to prevent your information being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout.

    Meta Pixels. For information on Meta Pixels’ information-handling practices and how you can control the use of information sent to Meta. If you wish to prevent your information being used by Meta Pixels, Meta has developed a method for users to opt-out of the collection and use of information for ad targeting at https://www.facebook.com/about/ads.

    Interest-based Advertising. We use third-party tools and services such as Google, Meta, TikTok, and other companies that use tracking technologies to serve interest-based advertisements to you across the internet. These tools may include cookies, pixels, web beacons, and/or other similar tracking technologies that automatically collect, store, and/or transmit certain information about your interaction(s) with our Services and other websites and mobile apps that you interact with and use across your devices. Our third-party service providers and partners use the collected information to serve advertisements to you and measure the performance of our advertising campaigns.

    You may be able to adjust your device or browser settings to limit certain tracking or to decline cookies. Refer to your device’s settings or your browser’s “Help” section for more information on how to delete cookies and/or disable your device or browser from receiving cookies or adjust your tracking preferences. Additional information about cookies, including how to manage them, can be found here: https://allaboutcookies.org/.

    We encourage you to review the privacy policies of the third-party services you use for more information regarding your choices.

    Site Recording Technology. We use third-party site-visit recording technologies such as HotJar to memorialize your visits. Scripts from these technologies are embedded on our Services and collect information when you interact with pages where the scripts are present. These technologies collect information such as page URL, mouse movements and clicks, redacted information you input, snapshots of pages you visit, time spent on a page, date and time of various interactions with a page, and HTTP headers from your browser. By visiting our websites or using our Services, you acknowledge and agree to our use of such site recording technologies and the collection, maintenance, and use of information these technologies collect.

    Chatbot Technology. We use chatbots powered by Freshworks on our Services to help provide customer service and support, including through the use of a virtual assistant. A chatbot is a software application that mimics human conversations in text or voice interactions on our website. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. When asked a question, the chatbot will answer using the knowledge database that is currently available to it. The chatbot feature also allows customers to interact with a human operator. If you use our chatbot service, we will collect and maintain any information you provide to us when using the chatbot. You are responsible for the information you share with the chatbot, and we strongly advise you not to input sensitive or personal information, such as financial or account details or other confidential information. We will also create and store a transcript of your chat interactions with us, which will be stored by our third-party service provider, Freshworks. We may use these transcripts and the information you provide for quality control, customer service, fraud prevention, and security.

    Information Collected from Other Sources. We may obtain your personal information from other sources, including, for example, credit bureaus, our service providers, our customers, lead generators, social media platforms, Network Partners and other partners

    The information that we receive from other sources may including contact information, demographic information, consumer credit reports, credit scores, credit history, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a loan or other financial product received from a Network Partner), and internet or other electronic network activity information.

    We use the personal information that we receive from other sources to help us maintain the accuracy of or supplement the information we collect; personalize your experience with our Services; conduct internal business analytics; and fulfill other business or commercial purposes described in this Privacy Policy.

  6. Information Collected through Automated Means.

    When you visit and interact with our Services, we may use cookies, pixels, web beacons, software development kits (SDKs), and other similar tracking technologies to collect certain information automatically

    The specific types of information we (and our services providers and partners) may collect include:

    • Device Information: which includes the Internet Protocol (IP) address and/or other unique identifier(s) assigned to your device; the location of your device; and other information about your browser, device, and operating system.

    • Usage Information: which includes information about your interaction(s) with our Services (e.g., the date and time of your visit(s); the area(s) or page(s) that you visit; the amount of time you spend on a page or use our Services; the domain name from which you accessed our Services; and other click-stream or usage information). We may use cookies or other similar technologies to collect information about your behavior on the website (e.g., how you move and scroll through our Services, your keystrokes, how you interact with webforms, etc.) and the actions that you take upon receipt of an email from us.

  7. Advertising and Analytics. We use third-party analytics and tracking tools to better understand who is using our Services, how the Services are used, and how to improve the effectiveness of our Services and related content. We may also use the information collected to draw inferences. For example, we use Google Analytics and Meta Pixels to better understand how users interact with our Services.

    Google Analytics. For information on Google Analytics’ information-handling practices and how you can control the use of information sent to Google, visit https://policies.google.com/technologies/partner-sites. If you wish to prevent your information being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout.

    Meta Pixels. For information on Meta Pixels’ information-handling practices and how you can control the use of information sent to Meta. If you wish to prevent your information being used by Meta Pixels, Meta has developed a method for users to opt-out of the collection and use of information for ad targeting at https://www.facebook.com/about/ads.

    Interest-based Advertising. We use third-party tools and services such as Google, Meta, TikTok, and other companies that use tracking technologies to serve interest-based advertisements to you across the internet. These tools may include cookies, pixels, web beacons, and/or other similar tracking technologies that automatically collect, store, and/or transmit certain information about your interaction(s) with our Services and other websites and mobile apps that you interact with and use across your devices. Our third-party service providers and partners use the collected information to serve advertisements to you and measure the performance of our advertising campaigns.

    You may be able to adjust your device or browser settings to limit certain tracking or to decline cookies. Refer to your device’s settings or your browser’s “Help” section for more information on how to delete cookies and/or disable your device or browser from receiving cookies or adjust your tracking preferences. Additional information about cookies, including how to manage them, can be found here: https://allaboutcookies.org/.

    We encourage you to review the privacy policies of the third-party services you use for more information regarding your choices.

    Site Recording Technology. We use third-party site-visit recording technologies such as HotJar to memorialize your visits. Scripts from these technologies are embedded on our Services and collect information when you interact with pages where the scripts are present. These technologies collect information such as page URL, mouse movements and clicks, redacted information you input, snapshots of pages you visit, time spent on a page, date and time of various interactions with a page, and HTTP headers from your browser. By visiting our websites or using our Services, you acknowledge and agree to our use of such site recording technologies and the collection, maintenance, and use of information these technologies collect.

    Chatbot Technology. We use chatbots powered by Freshworks on our Services to help provide customer service and support, including through the use of a virtual assistant. A chatbot is a software application that mimics human conversations in text or voice interactions on our website. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. When asked a question, the chatbot will answer using the knowledge database that is currently available to it. The chatbot feature also allows customers to interact with a human operator. If you use our chatbot service, we will collect and maintain any information you provide to us when using the chatbot. You are responsible for the information you share with the chatbot, and we strongly advise you not to input sensitive or personal information, such as financial or account details or other confidential information. We will also create and store a transcript of your chat interactions with us, which will be stored by our third-party service provider, Freshworks. We may use these transcripts and the information you provide for quality control, customer service, fraud prevention, and security.

    Information Collected from Other Sources. We may obtain your personal information from other sources, including, for example, credit bureaus, our service providers, our customers, lead generators, social media platforms, Network Partners and other partners

    The information that we receive from other sources may including contact information, demographic information, consumer credit reports, credit scores, credit history, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a loan or other financial product received from a Network Partner), and internet or other electronic network activity information.

    We use the personal information that we receive from other sources to help us maintain the accuracy of or supplement the information we collect; personalize your experience with our Services; conduct internal business analytics; and fulfill other business or commercial purposes described in this Privacy Policy.

  8. How We Use Your Information. We use the information that we collect about you through your interaction with this Website as well as information that you voluntarily provide to us. We may use collected information to (i) deliver the products and services you requested, (ii) personalize your user experience; (iii) communicate with you about products or services that may be of interest to you; (iv) to communicate with you via mail, email, telephone, text message/SMS, or otherwise even if your number appears on a do-not-call list or other similar registry; (v) to provide to third-party lenders or financial institutions for the purpose of determining eligibility for specific products (vi) for business purposes, such as analytics, research, advertising and marketing, and operational purposes; (vii) improve our Website; (viii) improve customer service; (ix) to comply with law enforcement and maintain the security of our Website; and (x) to perform any other functions otherwise disclosed when you provide us with your information.

  9. How Do We Share Your Information.

    Consent to Receive Communication. By voluntarily providing and submitting your information on our form or otherwise using our website, you opt-in to receive communications (i) from us; (ii) one of our third-party lenders that we partner with; and (iii) third parties that provide services on our behalf, such as website hosting partners, text message/SMS service providers, email marketing service providers, direct mail service providers or other parties who assist us in operating our Website, conducting our business, or serving our users.

    Consent to Share Your Information. In submitting an inquiry or using the services provided through our Website, you agree that LoansRoyce may share your information about you or provided by you with lenders and other third parties which provide services to our users (collectively, Network Partners”) to deliver the products and services you requested. These Network Partners include third-party lenders or financial institutions, and non-lenders or intermediary service providers that we partner with to help connect you with a lender or financial institution in their network. We may disclose each category of personal information we collect from and about you with the following categories of recipients:

    • Network Partners. When you use our Services to submit a loan request, we disclose your personal information to lenders and other third parties in our network (collectively “Network Partners”) as necessary to deliver the products and services that you requested. We may disclose your personal information to Network Partners to provide you with information about financial products and services that may interest you/ Note that Network Partners that interact with you may use and/or retain your personal information whether or not you use their services and their handling of your personal information is subject to their privacy policies. Our Network Partners list may be updated from time to time, and we encourage you to review the list periodically to remain informed about with whom we share your information.

    • Our Service Providers. We disclose your personal information to third parties that provide business, professional, or technical support services to us and/or administer activities on our behalf.

    • Our Analytics Providers. We disclose your personal information to parties that assist us in performing analytics and help us measure the effectiveness of our Services and our marketing and advertising efforts.

    • Our Marketing and Advertising Partners. We disclose your personal information to our marketing and advertising partners, including social media networks, third-party advertising networks, and other parties that assist us in serving, measuring the performance of, and optimizing our advertisements.

    • Governmental and Public Authorities. We disclose your personal information to government and public authorities as necessary or permitted by the laws of any jurisdiction in which we operate, including in response to a subpoena, court order, investigative demand, request for cooperation from a law enforcement agency, or similar request from a self-regulatory body or government agency.

    • Other Parties. We may disclose your personal information to other parties as we believe necessary or appropriate either to: (i) comply with applicable law; (ii) protect our operations and those of our affiliates and subsidiaries; (iii) investigate and prevent against fraud and other illegal activity; (iv) protect our rights, privacy, safety, property, and/or those of others; or (v) allow us to pursue available remedies or limit damages that we may sustain. We may disclose your personal information for other reasons described at the time of information collection or prior to disclosing your information. Additionally, we may disclose your personal information with your consent or when you direct us to do so. We may de-identify, anonymize, or aggregate personal information and disclose such information to third parties for various purposes as permitted by law.

    Other Situations We Share Your Information. We may also be required to share your information (i) pursuant to a subpoena, court order, legal process, and/or government or regulatory request, (ii) when we believe disclosure is appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing, to protect and defend the rights, property, or safety of our Business, our users, or our employees, or to enforce our Website’s terms and conditions or other agreements of policies; (iii) as part of a sale, merger or acquisition, or other transfer of all or part of our assets including as part of a bankruptcy proceeding; (vi) with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law.

  10. How We Protect Your Information. By accessing and navigating through this Website, you hereby acknowledge and agree that LoansRoyce may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.

    Our Commitment to Online Security. We use generally accepted industry standards to protect the security of your personal information and encrypt sensitive. Although we strive to provide accepted industry standard security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.

    No Liability for Acts of Third Parties. We will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by generally accepted industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, LoansRoyce shall not be liable for unauthorized disclosure of personal information due to no fault of LoansRoyce including, but not limited to, errors in transmission and unauthorized acts of third parties.

  11. Third-Party Links. This Website may contain links to third-party websites, which may have independent privacy policies that differ from our own. We are not responsible, nor do we endorse, any of the activities and practices that take place on third-party websites. Accordingly, we recommend that you review the privacy policy posted on any third-party website thoroughly before disclosing any personal information.

  12. Consent to Communicate. When you submit your personal information on this Website, you are providing your express consent to be contacted via email, telephone, postal mail or text message/SMS communication. If you wish to opt-out from us sharing your information for marketing communications, please submit your request here.

  13. Modifications or Amendments. From time to time, we may change this Privacy Policy to accommodate new technologies, industry practices, regulatory requirements or for other purposes. We will provide notice to you if these changes are material on this Website, and where required by applicable law, we will obtain your consent. For your information, the date this Policy was last updated is listed at the top of this page. Your continued use of this Website after any such changes have been made signifies and confirms your acceptance of any changes or amendments to this Privacy Policy.

  14. Children Under the Age of 18. This Website is not intended for children under eighteen (18) years of age. No one under 18 years of age may access or provide any information on this Website. We do not knowingly collect personal information from children under 18 years of age.

  15. Your Rights Under the CCPA.

    General Information. If you are a California Resident, you are entitled to additional rights over your personal information under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws. This section summaries the categories of information we collect about you, why the information is collected, who we share your information with, and for what reason that information is shared.

    A)

    Category of Information
    Identifiers

    Examples
    Name, internet protocol address, email address, or other similar identifiers

    Source of Information
    Consumer, third-party data providers, marketing partners, and advertising partners

    Purpose of Collection
    For us to provide services, market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements

    Who Do We Share With
    Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, web analytics providers, service providers, vendors, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information

    B)

    Category of Information
    Personal information categories listed in the California Customer Records statute

    Examples
    Name, signature, address, telephone number, driver’s license or state identification number, employment, social security number, bank account number

    Source of Information
    Consumer and third-party data providers

    Purpose of Collection
    For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements

    Who Do We Share With
    Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers, law enforcement, government authorities, parties that legally compel us to share your information

    C)

    Category of Information
    Protected classification characteristics under California or federal law

    Examples
    Age, military status

    Source of Information
    Consumer and third-party data providers

    Purpose of Collection
    For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements

    Who Do We Share With
    Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers

    D)

    Category of Information
    Commercial information

    Examples
    Product or service provider sites you choose to navigate to

    Source of Information
    Consumer and third-party data providers

    Purpose of Collection
    For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations

    Who Do We Share With
    Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers

    E)

    Category of Information
    Biometric data

    Examples
    Keystroke or other behavioral or biological characteristics

    Source of Information
    N/A

    Purpose of Collection
    N/A

    Who Do We Share With
    N/A

    F)

    Category of Information
    Internet or similar network activity

    Examples
    Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement

    Source of Information
    Consumer, web browsers, marketing partners, and advertising partners

    Purpose of Collection
    For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations

    Who Do We Share With
    Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers

    G)

    Category of Information
    Geolocation data

    Examples
    Physical location or movements

    Source of Information
    Consumer, web browsers, marketing partners, and advertising partners

    Purpose of Collection
    For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations, and to meet our legal compliance requirements

    Who Do We Share With
    Marketing partners, advertising partners, web analytics providers, security/anti-fraud providers

    H)

    Category of Information
    Sensory data

    Examples
    Audio, electronic, visual, or similar information

    Source of Information
    N/A

    Purpose of Collection
    N/A

    Who Do We Share With
    N/A

    I)

    Category of Information
    Professional or employment-related information

    Examples
    Current employer, length of employment

    Source of Information
    Consumer and third-party data providers

    Purpose of Collection
    For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations

    Who Do We Share With
    Lenders, non-lenders or intermediary service providers, marketing partners, advertising partners, service providers, customer support providers, data processing providers

    J)

    Category of Information
    Inferences drawn from other personal information

    Examples
    Profile reflecting a person’s preferences, characteristics, trends, behavior, and abilities

    Source of Information
    Third-party data providers, marketing partners, and advertising partners

    Purpose of Collection
    For us to perform services you requested or to offer products on behalf of our lenders, non-lenders or intermediary services providers and for us to market to you, analyze your use, conduct research, maintain security of our systems and operations

    Who Do We Share With
    Data processing providers, web analytics providers, and security/anti-fraud providers

    Right to Know. As a California resident, you have the right to know (i) the categories of personal information we collected about you in the preceding 12 months; (ii) the sources from which the personal information was collected; (iii) the business or commercial purpose for which it collected or sold the personal information; and (iv) the categories of third parties with which the business shares personal information.

    Additional Privacy Rights. You also have the right (i) to request that we tell you what specific information we have about you; (ii) to request that we delete your information; (iii) to opt-out of having your information sold; and (iv) for us not to discrimination against you for exercising these privacy rights. Please note that you may only make a CCPA-related request twice within a 12-month period.

    Right to Non-Discrimination. We will not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by the CCPA, we will not (i) deny you goods or services; or (ii) provide you a different level or quality of good or service.

    Alternative Format of CCPA Notice. If you have a disability that prevents or limits your ability to access this CCPA Notice, please email us at [email protected] or call us at (800) 884-8067. We will work with you to provide this notice in an alternative format.

    Authorized Agent. California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority.

    How to Submit Your Request for Specific Information. You can request access to specific information we have about you by sending an email with the Subject Line “CCPA Right to Know” to [email protected] or you can make your request for information here. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

    How to Exercise Your Right to Delete Information. You can request the categories of information we have on file or deletion of information available on our request form available here. You may also submit this request by sending an email with the Subject Line “CCPA Right to Request or Delete Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

    How to Exercise Your Right to Opt-Out of Sale of Your Information. Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time. You may submit your request through the URL provided below. You may also submit this request by sending an email with the Subject Line “CCPA Do Not Sell My Information” to [email protected]. In your request, please provide us with enough information to identify you, including (i) your full name; (ii) physical address; (iii) phone number; (iv) email address; (v) proof of your identity (e.g. driver’s license or passport); and (vi) a description of what right you want to exercise. Once your request is submitted, we will reach out to you within the timeframe required by law to verify your identity. After we verify your identity, we will send your information to you via an electronic format. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.

    DO NOT SELL MY PERSONAL INFORMATION

    However, if you opt-out, please note that we will be unable to help you find a loan or other product or services that may be of interest to you through our Network Partners. In order to opt-in, please submit the completed form or resubmit your request, which lets us know that you want to sell your information to deliver the products and services you requested.

  16. California Disclosures. California Law requires us to provide certain disclosures to users of this Website.

    Shine the Light Disclosure. Civil Code Section 1798.83 permits California residents that use this Website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at [email protected]. Please note that this section does not prohibit disclosure made for non-marketing purposes.

    Do Not Track Disclosures. Business and Professions Code Section 22575(b) requires websites to disclose their practices with respect to the use of tracking technology made by third parties and whether this Website honors web browser do-not-track signals. No third parties are able to collect personally identifiable information you provide on this Website. At this time, LoansRoyce does not respond to do-not-track browser settings or signals.

  17. Contact Us If you have any further questions about this Privacy Policy or our practices, please contact us at [email protected]

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Personal Loans Online

LoansRoyce online form is quick, secure, & hassle free. You can fill out our online form in just a matter of minutes from the privacy of your own home.

All Credit Types Considered

There are many advantages with LoansRoyce. You can fill out our Online Form with any level of credit rating, from no rating to excellent at LoansRoyce.

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Another incredible benefit is that your funds are deposited directly into your bank account and are accessible as quickly as the next business day!

Basic Loan Requirements

Must be at least 18 years old. Must be a U.S. citizen. Must be employed or receiving a steady income. Have a bank account with direct deposit is a plus.

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✓ How It Works

LoansRoyce realizes that financial problems come unexpected and always at a bad time. We believe that lending should be made easy, fast and not only rely on the individual's past history. We are here to help. The process starts with completing our Online Form. The Online Form must be completed accurately to make sure the funds are not sent to the wrong individual. Lenders use the information provided to verify your identity before sending you funds.

Fast, Easy & Secure Online Form.

✓ Disclosure Policy

APR information
This is information about the Annual Percentage Rate (APR). The APR defines the rate of interest a borrower pays over the course of a year. It describes the costs to the borrower in a yearly rate. LoansRoyce cannot promise a specific APR. Our lending partners set the APR on loans and repayment terms. Since we are not a lender ourselves, we do not have control over the terms of your agreement with the lender you may be connected with. Read the terms of your loan carefully before accepting and signing a loan contract.
Renewal Policy
Lenders have unique Renewal Policies. Some of them have automatically renew or "roll-over" Features. These conveniences often come at an additional fee. Please ask the lender you were connected with for their renewal policy. Again it is vital to read through the entire Loan Agreement and Disclosure to make sure you are comfortable with their terms before accepting the loan.
Late, Partial, or None Payments and Collections
Though each lender has to operate within the state laws that govern them, they have their respective approaches to handling late payments. A loan is an agreement between you and the lender to fully repay the loan by the time agreed. Depending on your agreement with your lender, if you are late for the agreed payment, a lender may add fees, send to a collections agency, report your late, partial or non payment to a consumer reporting agency. These policies change per lender, so please make sure to consult your lender to find their respective policies.
A Better Personal Money Solution

✓ FAQ

What is a Personal Loan and what can I use it for?
A personal loan is a way for an individual to receive up to $35,000 in funding. It is a loan that can be used for home enhancements, item purchases, vehicle repairs or bill payments. The length of the loan is called the term and can range all the way up to 60 months, depending on the lender. Our simple Online Form does not contain any long questions. Instead, it asks for your basic information and a location for where you would like the loan to be sent to. It is that easy!
Are there any fees?
LoansRoyce services will always be provided free of charge, but that is not to say that the lender will give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement.
What is the highest loan amount I can receive.
$35,000. Though not all lenders are able to lend you $35,000.
How do you protect my privacy and personal information?
We take privacy seriously, and so we use industry-standard encryption on our website so that third parties cannot intercept your data. You can also take a look at our privacy policy for more details on this.
What if I'm late or skip a payment?
Lenders may be forgiving if you contact them directly, though some may automatically add a fee if it is in their agreement. Please contact the lender directly if you have an issue paying an installment.
How/when do I repay the loan?
Please check the loan agreement from your lender for specifics on this, as each loan may vary.