Terms of Service

Last Updated: January 15, 2025

Agreement to Terms

By accessing or using the Helpful Lending Now website at helpfullendingnow.com, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our website or use our services.

Description of Service

Helpful Lending Now operates a lending marketplace that connects consumers seeking personal loans with a network of lending partners. We are NOT a lender, do not make credit decisions, and do not broker loans.

Our service is free to consumers. We receive compensation from lenders when we refer qualified applicants who subsequently obtain loans.

Not a Lender

Helpful Lending Now is not a lender, loan broker, or agent for any lender. We do not:

  • Make credit decisions or guarantee loan approval
  • Determine loan amounts, interest rates, or terms
  • Collect loan payments or service loans
  • Provide legal, financial, or tax advice

All loan terms, including APR, are determined solely by the lender you work with.

Eligibility

To use our services, you must:

  • Be at least 18 years old (19 in some states)
  • Be a U.S. citizen or permanent resident
  • Have a valid Social Security Number
  • Have an active checking account
  • Provide accurate and truthful information

Loan Terms Disclosure

Loans offered through our lending network typically have the following characteristics:

  • Loan Amounts: $500 to $5,000
  • APR Range: 5.99% to 35.99%
  • Repayment Terms: Vary by lender

Your actual rate, terms, and loan amount will be determined by the lender based on your creditworthiness and other factors. Always review all terms carefully before accepting any loan offer.

User Responsibilities

By using our service, you agree to:

  • Provide accurate, current, and complete information
  • Use the service only for lawful purposes
  • Not submit false or misleading applications
  • Review all loan terms before accepting any offer
  • Repay any loans you accept according to their terms

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Helpful Lending Now or its content suppliers and is protected by copyright and trademark laws.

Limitation of Liability

Helpful Lending Now shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or any loans you obtain through our network.

We do not guarantee that you will receive loan offers, that any offers will have specific terms, or that any lender will approve your application.

Indemnification

You agree to indemnify and hold harmless Helpful Lending Now from any claims, damages, or expenses arising from your use of our services or violation of these terms.

Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page. Continued use of our services constitutes acceptance of modified terms.

Governing Law

These terms shall be governed by the laws of the State of Florida without regard to conflict of law provisions.

Contact Information

For questions about these terms, contact us at:

Helpful Lending Now
4521 Finance Boulevard, Suite 200
Tampa, FL 33602
Email: [email protected]
Phone: (555) 847-2938