Terms of use

Agreement to these terms

By using greatmeadowcredit.com or submitting a request, you agree to these terms and to our privacy policy. If you do not agree, please do not use the site or the request form.

"We," "us" and "our service" mean the operator of this website. "You" means the person using the site. "Lender" means any lender, lending network or partner that receives your request. Our privacy policy is part of these terms.

What the service is

We operate a free loan-matching service. You submit one request, we share it with lenders and partners in our network, and any lender that wants to make an offer presents its own terms to you.

We are not a lender, broker of record, loan servicer or credit union, and we do not make credit decisions, fund loans, set rates or terms, or collect payments. We are not affiliated with Great Meadow Federal Credit Union. Nothing on the site is an offer or commitment to lend.

Requests range from $500 to $5,000. Lenders in the network typically offer terms of 6 to 36 months and APRs that may range from 5.99% to 35.99% (est.). Any numbers on the site are estimates for education only. The lender's loan agreement controls the real terms.

Who may use the service

You may use the service only if you are a U.S. resident and at least 18 years old, or the age of majority in your state, such as 19 in Alabama and Nebraska, and can form a binding contract.

• You must submit a request only for yourself, not for another person.
• You must not use the service where doing so would break the law.
• Lenders may set additional requirements for income, credit, residency and identity.

Lenders in the network may not operate in every state. See what lenders typically look for before you submit a request.

No guarantee of an offer or approval

Submitting a request does not guarantee that you will be matched, receive an offer or be approved. Lenders decide independently, using their own criteria, and may decline any request for any lawful reason.

We do not promise any amount, rate, term or funding time. Some lenders can fund as soon as the next business day after approval, but timing depends on the lender and your bank. Lenders may check your credit, which can affect your credit score.

Third-party lenders and websites

Lenders and partners are independent businesses. Any loan you accept is an agreement between you and the lender alone, and the lender is responsible for its terms, disclosures, servicing and collection.

When you continue to a lender's website, its own terms and privacy policy apply. We do not endorse or guarantee any lender, product or offer, and we are not responsible for a lender's actions, decisions, content or errors. Read every loan agreement fully before you sign it. Lenders may pay us, as described in our advertiser disclosure.

Your responsibilities

You agree to give true, accurate and complete information, to keep it current, and to use the site only for lawful, personal purposes. False information can lead lenders to decline or cancel an offer.

• Do not impersonate anyone or submit someone else's information.
• Do not try to hack, overload, scrape or interfere with the site.
• Do not use automated tools to submit requests.
• Do not copy, resell or misuse lender offers or site content.

By providing a phone number, you agree that we and lenders may contact you about your request by call or text, including through automated systems where you have given consent. Message and data rates may apply. Reply STOP to opt out of texts.

Intellectual property

The site, including its text, guides, calculators, design, graphics and logos, belongs to us or our licensors and is protected by copyright, trademark and other laws.

You may view and print pages for your own personal, non-commercial use. You may not copy, modify, distribute, sell or create works based on the site without our written permission. Trademarks of other companies belong to their owners.

Disclaimers

The site and service are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement.

Our guides are general education, not financial, legal or tax advice. Rates, fees and rules change, and we do not warrant that content is complete or current at every moment. Consider speaking with a qualified professional about your situation. We do not warrant that the site will be uninterrupted, secure or free of errors.

Limitation of liability

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of the site, the service or any lender's products.

Because the service is free, our total liability for any claim relating to the site or service is limited to one hundred U.S. dollars. Some states do not allow certain limits, so parts of this section may not apply to you. You agree to indemnify us against claims arising from your breach of these terms or misuse of the site.

Governing law and disputes

The laws of the State of Nevada govern these terms, without regard to conflict-of-law rules. Any dispute will be handled in the state or federal courts located in Carson City, Nevada.

Before filing a claim, please contact us so we can try to resolve the issue informally. Disputes with a lender about a loan are governed by that lender's agreement, not by these terms.

Changes to these terms

We may update these terms from time to time. The "Last updated" date shows the current version, and continuing to use the site after a change means you accept the updated terms.

If any part of these terms is found unenforceable, the rest stays in effect. Our failure to enforce a term is not a waiver of it.

How to contact us about these terms

Questions about these terms can go to [email protected] or (888) 588-5738, or by mail to 9390 Alder Avenue, Suite 759, Carson City, NV 89701.

Questions about a specific loan, payment or offer should go to the lender named in your loan agreement. Our contact page explains what we can help with.