Loan Option Finder

Terms of Use

Last updated: August 6, 2026

These Terms of Use ("Terms") govern your access to and use of loanoptionfinderguide.com (the "Site"), operated by Marketing JCCSCALE Inc. doing business as Loan Option Finder ("Loan Option Finder," "we," "us," or "our").

By accessing the Site or submitting a loan request, you agree to these Terms. If you do not agree, do not use the Site.

These Terms contain a binding arbitration provision and a class action waiver in Section 14, which affect your legal rights.

1. We Are Not a Lender

Loan Option Finder is not a lender, bank, credit union, loan broker, or financial institution. We do not make loans, make credit decisions, underwrite loans, set interest rates or fees, or fund loans.

We operate an advertising and referral service. When you submit a loan request, we transmit your information to third-party lenders, lending partners, and lead purchasers who may contact you with offers. We are compensated by these third parties for transmitting your information, and our compensation may vary based on the information you provide and whether a loan is ultimately funded. This compensation may influence which offers you are presented with, and we do not present offers from every lender in the market.

Loan Option Finder does not perform credit checks. Submitting a loan request through the Site will not affect your credit score. Lenders and lending partners who receive your information may perform their own credit inquiry, which may be a soft or hard inquiry depending on the lender and is governed by that lender's own policies.

Any loan you obtain is a transaction between you and the lender. We are not a party to it, are not responsible for its terms, and make no representation about whether you will be approved or on what terms.

2. Eligibility

To use the Site you must:

  • Be at least 18 years of age (or the age of majority in your state, whichever is greater)
  • Be a legal resident of the United States
  • Reside in a state where our partner services are available
  • Have the legal capacity to enter into a binding contract
  • Provide accurate, current, and complete information

Our services are not available in all states. We reserve the right to decline any request for any reason.

3. Rates, Terms, and Representative Example

Advertised rates are illustrative and are not an offer of credit. Actual rates, loan amounts, and terms are determined solely by the lender and depend on your creditworthiness, income, state of residence, and the lender's underwriting criteria. Not all applicants will qualify for the lowest advertised rate, and many will not qualify at all.

Through our partner network, loan amounts generally range from $500 to $50,000. APRs range from 5.99% to 35.99% for qualified customers. Repayment periods range from a 61-day minimum to a 72-month maximum.

Representative example: A $5,000 loan repaid over 48 months at a 5.99% APR would have a monthly payment of approximately $117.40. The total amount repaid would be approximately $5,635.20, of which approximately $635.20 is interest. This example is for illustration only and does not represent an offer.

Late payments, missed payments, and defaults may result in additional fees, negative credit reporting, and collection activity, as governed by your loan agreement with your lender.

4. Your Submission and Consent to Be Contacted

By submitting a loan request, you:

  • Represent that all information you provide is true, accurate, and complete, and that you are submitting your own information
  • Authorize us to transmit your information to lenders, lending partners, lead purchasers, and marketing partners
  • Authorize those parties to verify your information and, where permitted, to obtain consumer reports about you
  • Provide express written consent to be contacted at the phone number(s) and email address you provide by autodialed calls, pre-recorded or artificial voice messages, text messages, and email, even if the number is on a Do Not Call registry

Consent is not a condition of obtaining any loan, product, or service. Message and data rates may apply. You may opt out as described in our Privacy Policy.

Providing false information may constitute fraud and may result in denial of your request, termination of access, and referral to law enforcement.

5. Electronic Communications and E-SIGN Consent

By using the Site you consent to receive communications, disclosures, agreements, and notices electronically. You agree that electronic delivery satisfies any legal requirement that such communications be in writing, and that your electronic submissions constitute your signature and agreement.

To receive electronic communications you need a device with internet access, a current browser, and a valid email address. You may withdraw this consent by contacting support@nepsismarketinggroup.com, but doing so means we cannot process your loan request.

6. No Credit Decision or Guarantee

Submitting a request does not guarantee that you will receive a loan offer, be approved, or receive any particular rate or amount. We do not guarantee that any lender will contact you.

We do not make a credit decision. Whether your credit is reviewed, and whether that review results in a soft or hard inquiry, is determined by the lender, not by us.

7. License and Acceptable Use

We grant you a limited, revocable, non-exclusive, non-transferable license to access the Site for your own personal, non-commercial use. You may not:

  • Submit false, fraudulent, or third-party information without authorization
  • Use automated means to access, scrape, or submit to the Site
  • Interfere with or attempt to compromise the Site's security or operation
  • Reverse engineer, decompile, or copy any part of the Site
  • Use the Site for any unlawful purpose or in violation of these Terms
  • Resell, republish, or commercially exploit any part of the Site

8. Intellectual Property

The Site and its content, including text, design, graphics, logos, and software, are owned by us or our licensors and are protected by intellectual property law. Nothing in these Terms transfers any ownership rights to you.

9. Third-Party Websites and Offers

The Site may link or redirect to third-party websites. We do not control, endorse, or assume responsibility for third-party content, products, services, or privacy practices. Your dealings with any third party are solely between you and that party.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, secure, or error-free, that information on the Site is accurate or complete, or that you will receive any loan offer. Nothing on the Site constitutes financial, legal, or tax advice.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOAN OPTION FINDER AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR ANY LOAN OR COMMUNICATION FROM A THIRD PARTY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless Loan Option Finder and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of your use of the Site, your submission of information, your violation of these Terms, or your violation of any law or third-party right.

13. Termination

We may suspend or terminate your access to the Site at any time, without notice, for any reason. Sections 1, 10, 11, 12, 14, and 15 survive termination.

14. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

14.1 Agreement to arbitrate. Any dispute, claim, or controversy arising out of or relating to these Terms or the Site will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except as provided in Section 14.3.

14.2 Class action waiver. You and Loan Option Finder each waive the right to bring or participate in any class, collective, consolidated, or representative action. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

14.3 Exceptions. Either party may bring an individual action in small claims court. Either party may seek injunctive relief in court for infringement or misuse of intellectual property.

14.4 Right to opt out. You may opt out of this arbitration agreement by sending written notice to support@nepsismarketinggroup.com within 30 days of first accepting these Terms, stating your name, address, and intent to opt out. Opting out does not affect any other provision of these Terms.

14.5 Jury trial waiver. To the extent any dispute proceeds in court, you and Loan Option Finder each waive any right to a trial by jury.

15. Governing Law

These Terms are governed by the laws of the Province of Quebec, Canada, without regard to conflict-of-laws principles, except that the Federal Arbitration Act governs Section 14. Subject to Section 14, you consent to the exclusive jurisdiction of the courts located in Laval, Quebec, Canada.

16. General

These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Site. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them freely.

17. Changes to These Terms

We may modify these Terms at any time by posting a revised version with an updated "Last updated" date. Your continued use of the Site after changes are posted constitutes acceptance.

18. Contact

Loan Option Finder Marketing JCCSCALE Inc. 97 Avenue du Crochet, Laval, QC, Canada support@nepsismarketinggroup.com