Terms of Service

1. Acceptance of Terms

By accessing or using IllinoisLoansToday.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access or use the Site.

2. Description of Service

IllinoisLoansToday.com is a loan matching and referral service that connects Illinois residents with third-party lenders. We are not a lender, bank, credit union, or financial institution. We do not:

• Make credit decisions or determine loan eligibility
• Guarantee that any lender will offer you a loan
• Set the interest rates, fees, or terms of any loan
• Broker loans or act as a licensed loan broker

Any loan offer you receive comes directly from a third-party lender, not from IllinoisLoansToday.com.

3. Eligibility

To use this Site and submit a loan request, you must:

• Be at least 18 years of age
• Be a legal resident of the State of Illinois
• Have a valid Social Security number
• Have an active checking or savings account
• Have a verifiable source of income

By submitting a loan request, you represent and warrant that you meet all eligibility requirements.

4. Loan Request Submission

When you submit a loan request through our Site, you authorize IllinoisLoansToday.com to:

• Share your information with lenders in our network
• Contact you via email, phone, or text message regarding your request
• Use your information as described in our Privacy Policy

Submitting a loan request does not guarantee loan approval or an offer from any lender. You are under no obligation to accept any loan offer presented to you.

5. Illinois Lending Laws

All lenders in our network are required to comply with applicable Illinois and federal lending laws, including:

• The Illinois Predatory Loan Prevention Act (PLPA), which caps the annual percentage rate (APR) at 36% for consumer loans
• The Illinois Consumer Installment Loan Act
• The Truth in Lending Act (TILA), which requires lenders to disclose full loan terms
• The Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination

We encourage you to review all loan terms carefully before accepting any offer.

6. Accuracy of Information

You agree to provide accurate, current, and complete information in connection with your loan request. Submitting false, misleading, or fraudulent information may result in denial of service and may violate federal and state fraud laws. IllinoisLoansToday.com reserves the right to deny service to anyone who provides inaccurate information.

7. No Financial Advice

The content on this Site, including articles, blog posts, calculators, and guides, is provided for informational purposes only and does not constitute financial, legal, or credit counseling advice. Always consult a qualified financial professional before making borrowing decisions. If you are experiencing financial hardship, we encourage you to contact a nonprofit credit counseling agency.

8. Third-Party Lenders

Once you submit a loan request, you may be contacted by one or more third-party lenders. IllinoisLoansToday.com has no control over, and is not responsible for, the actions, products, services, or content of third-party lenders. Any agreement you enter into with a lender is solely between you and that lender. We strongly encourage you to:

• Read the full loan agreement before signing
• Verify the lender's license with the Illinois Department of Financial and Professional Regulation (IDFPR)
• Understand the total cost of your loan including all fees and interest

9. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of IllinoisLoansToday.com or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.

10. Disclaimer of Warranties

THIS SITE AND ITS CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. ILLINOISLOANSTODAY.COM MAKES NO WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY ILLINOIS AND FEDERAL LAW, ILLINOISLOANSTODAY.COM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY LOAN OBTAINED THROUGH OUR SERVICE. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM SHALL NOT EXCEED $100.

12. Changes to These Terms

We may update these Terms of Service at any time. Changes become effective when posted to this page. The "Last updated" date at the top of this page indicates when the Terms were last revised. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us:

• Website: illinoisloanstoday.com/contact/
• Email: [email protected]
• Mailing Address: IllinoisLoansToday.com, Legal Department, Illinois, USA