IMPORTANT: StarLoanServices.com (the 'Site') collects the information you provide on this and subsequent forms to match you with a personal loan lender based on your complete application. While we can help many people with bad credit and no credit achieve approval, we cannot help everyone. We do not guarantee approval.
We work with different loan providers who can issue pre-approvals without performing any credit check and others who can issue pre-approvals and approvals through a soft credit check, which will not impact your credit score. Once you are matched with a lender, they may need additional information from you, such as your SSN, for a soft credit inquiry. There will be no impact on your credit score when a lender performs a soft credit inquiry. After being pre-approved, some lenders may need to perform a hard credit inquiry before finalizing and financing your loan. For more information about the difference between hard and soft credit inquiries and how they may affect your credit score, please visit: https://www.experian.com/blogs/news/2012/09/17/credit-score-myths/
By submitting a loan application that requires a credit check for funding, you are giving consent under the Fair Credit Reporting Act for StarLoanServices.com's Loan Providers lenders to obtain consumer report information from your credit profile or other sources. You understand and agree that you are applying for credit and consent to the use of your consumer report information by StarLoanServices.com's lenders for anti-fraud security checks and to evaluate your credit application. Your application may be matched with multiple lenders, each of whom may obtain consumer report information from your credit profile.
Potential lenders will review your application information to determine whether they are able to offer you a personal loan. StarLoanServices.com does not guarantee that it will be able to place you with a lender in its direct network or that your loan application will be approved by any lender. Each lender will make its own approval decision based on the specific criteria applicable to the loan program for which you have applied.
The entity operating this website is not a lender and does not make loan or credit decisions in connection with its loan matching service. Completion of this application does not guarantee approval for a personal loan. This website will attempt to connect you with a personal loan lender based on your application. Please note that this service may not be available in all states, and the states serviced by this website may change from time to time without notice.
Not all lenders can offer up to $40,000. Repayment terms vary by lender and local laws, and not everyone will qualify for a maximum borrowing term of 72 months.
Accessing our Site
To use the Site, you must be at least 18 years old and live in the United States. We have the right to terminate, change, suspend, or discontinue any part of the Site for any reason at our sole discretion. We may also impose limits on certain features of the Site or restrict your access without notice or penalty. StarLoanServices.com does not charge users for using the Site and does not impose any fees upon successful completion of a personal loan.
User Data; Consent to Contact
Please remember the following information:
In the course of using the Site, you may be asked to provide information or materials to us ("User Data"). User Data includes information you submit with a loan application. Our information collection and use practices with respect to User Data are set forth in our Privacy Policy, which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Data.
You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. We cannot be responsible for maintaining any User Data that you provide to us, and we may delete or destroy any such User Data at any time. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions.
By providing your contact information to us through the Site, you are registering to receive electronic communications from us directly, on our website or through a third party via telephone call, email and/or SMS/text message, including through the use of an automatic telephone dialing system or artificial/prerecorded voice, SMS/text message, even if your telephone number is listed on any internal, state or federal Do-Not-Call registry list. Consent is not a requirement to purchasing the goods or services that StarLoanServices is offering.
You also agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. We may periodically send you newsletters and other emails with offers and promotions. If you no longer wish to receive communications, please let us know by sending an email to our support staff at [support@email.com]. You may also opt-out by clicking on the unsubscribe link in our emails or by replying 'STOP' to any SMS message that you receive.
When you apply for a loan product through the website, you consent to being contacted by the lenders in our network via email or telephone. After your information is submitted to these lenders, any requests to opt out or unsubscribe from their communications must be directed to them.
By using this service, you give explicit permission to the third-party lender/s you are connected with to share your transaction history with its affiliates, loan servicers, and bank partners. This is for the purpose of evaluating your credit in relation to the financial products or services you have received or serviced through the third-party lender.
DISCLAIMER OF WARRANTIES
The information and services on this site are provided "as is" and for informational purposes only. StarLoanServices.com makes no representations or warranties that the site will be suitable for your needs, is accurate, complete, current, reliable, or free from errors, inaccuracies, or typographical mistakes. StarLoanServices.com disclaims all warranties, express or implied, including warranties of merchantability or fitness for a particular purpose or non-infringement of the rights of others.
LIMITATION OF LIABILITY
StarLoanServices.com, along with our directors, officers, employees, agents, affiliates, and content or service providers (collectively, the "protected entities"), will not be liable for any direct, indirect, special, incidental, consequential, exemplary, or punitive damages arising from, or directly or indirectly related to, the use of, or the inability to use, the site and the services offered hereby, or the content, materials and functions related thereto, including, without limitation, loss of revenue, even if advised of the possibility of such damages. Our total liability to you for all damages, losses, and causes of action (whether in contract, tort (including, but not limited to, negligence), or otherwise) will not exceed five dollars ($5.00). This limitation may not apply in all jurisdictions or to all users. If you do not agree with the foregoing, your sole remedy is to terminate this agreement and discontinue use of the site.
Agreement Not To Bring, Join, Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join, or participate in any class action regarding any claim, dispute, or controversy you may have against us, our employees, officers, directors, servicers, and assigns. You also agree to the possibility of injunctive relief to halt such a lawsuit or to remove you as a participant in the suit. Additionally, you agree to cover the attorney's fees and court costs incurred in seeking such relief. This agreement does not waive any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as specified earlier. Not bringing, joining, or participating in class actions is an independent agreement and will remain in effect after the closing and repayment of the loan for which you are applying.
Please take note of the following agreement:
Agreement To Arbitrate All Disputes: To the extent permitted by law, you agree that any claim or controversy arising in connection with your use of the Website or the services provided by StarLoanServices.com shall be determined by arbitration in Raleigh, North Carolina before a single arbitrator. The arbitration shall be administered by JAMS pursuant to JAMS' Streamlined Arbitration Rules and Procedures. Judgment on the award may be entered in any court having jurisdiction. This clause shall not preclude you or us from seeking injunctive relief from a court of appropriate jurisdiction.
Updates
Please note that these Terms and Conditions may change from time to time and at any time. Any changes will be effective upon posting to the Site. Your use of the Site following any modifications to the Terms and Conditions signifies your acceptance of such modifications.
Applicable Laws
The Site and these Terms and Conditions are governed by the laws of the State of North Carolina without considering any conflict of laws principles. If any provision of these Terms and Conditions is deemed invalid, illegal, or unenforceable, the remaining provisions will not be affected or impaired in any way. Any dispute arising from your use of this Site shall be exclusively resolved in the appropriate state or federal courts of the State of North Carolina. Individuals who choose to access this Site from other locations do so at their own initiative and are responsible for complying with local laws, if applicable. Regardless of any statute or law to the contrary, any claim or cause of action arising from the use of the Site or the Terms and Conditions must be filed within one (1) year after it arose or be forever barred.
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IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, the lender will ask for your name, address, date of birth, and other information that will allow the lender to identify you. The lender may also ask to see your driver's license and other identifying documents.
Disclaimer: starloanservices.com is not a lender and does not represent lenders as a loan broker or in any other capacity other than as a loan matching referral service, offering free rate quotes with no impact to your credit. starloanservices.com does not run your credit and is not acting as a credit services agent for you. Lenders may perform a soft pull of your credit during the free rate quote process. Soft credit pulls have no impact to your credit scores or rating. You must select a rate quote and then finalize your loan directly with the lender with which you have selected. Any credit product for which you apply is solely the product of the lender. Most lenders will perform a hard credit check under the Fair Credit Reporting Act in order to evaluate your request promptly and adequately. Your permission will be asked for prior to any hard credit inquiry being performed. Final rates, terms and fees will be based on your individual credit history and underwritten by the lender NOT starloanservices.com. starloanservices.com cannot guarantee final terms, rates or repayments as they vary by lender. Providing your information on this Website does not guarantee approval for a product offering. There is no charge to use the starloanservices.com service. starloanservices.com may receive compensation from a lender in certain circumstances.
Representative Personal Loan Example: For a $5,000 36-month loan at an interest rate of 6.03% with a 1.11% origination fee of $55.50, you will receive a loan amount of $4,944.50 and will make 36 monthly payments of about $152.18 at a 6.78% APR. Total loan cost would be $5,478.48.