Effective Date: 2025-09-24
Welcome to Creddley. By using our website and services, you agree to the following Terms of Service. Please read them carefully.
1. About Creddley
All loan offers, fees, interest rates, repayment terms, and approval decisions are made solely by the lender. Creddley cannot guarantee that you will be approved for a loan or that you will receive a specific loan amount, rate, or term. Creddley is not a lender. We do not make credit decisions, extend loans, or determine loan terms.
2. Eligibility
To use our service, you must:
- Be at least 18 years old
- Be a U.S. citizen or legal resident
- Have a valid checking account
- Have verifiable income (most lenders require a minimum of $1,000/month and 90+ days of employment)
Your use of the website constitutes a representation that you meet these requirements.
3. Fees
Creddley does not charge consumers any fees for using this service. It is free to submit your loan request through our website.
If you are approved by a lender, the lender will provide clear disclosure of any fees and the annual percentage rate (APR) of the loan before you accept. Possible lender fees may include origination fees, late payment fees, or prepayment penalties. Creddley cannot predict or control these fees.
4. Credit Checks
Submitting a loan request through Creddley will not impact your credit score, as only a soft credit check is performed during the initial matching process. If you choose to proceed with a lender, that lender may conduct a hard credit check, which could affect your credit score.
5. Funding Time
Approval decisions are typically made within minutes. Funding times vary by lender and your financial institution. While some lenders may provide same-day funding, most loans are deposited on the next business day after approval, similar to a bank check deposit.
6. State Restrictions
Our service is not available to residents of certain states due to local lending regulations. Currently, we do not accept applications from residents of:
- Connecticut
- Nevada
- New Hampshire
- Vermont
- Washington
Lending regulations may change, and we reserve the right to update this list at any time.
7. Use of the Website
You agree to use our website and services only for lawful purposes. You may not:
- Provide false or misleading information in your application
- Attempt to gain unauthorized access to our systems
- Use our services for fraudulent activity
8. Intellectual Property
All content, branding, design, and technology on the Creddley website are the property of Creddley or its licensors. You may not copy, distribute, or exploit our content without prior written consent.
9. Disclaimer of Warranties
Creddley provides its services “as is” and without warranties of any kind. We do not guarantee approval, loan availability, specific loan terms, or funding speed.
10. Limitation of Liability
Creddley is not liable for any damages or losses related to your use of the service or your relationship with any third-party lender. Any disputes regarding loan terms, repayment, or fees must be resolved directly with the lender.
11. Privacy
Your personal information is protected using industry-standard encryption. For details on how we collect, use, and share information, please review our [Privacy Policy].
12. Changes to These Terms
Creddley may update these Terms of Service at any time. Changes will be posted on this page with a revised effective date. Your continued use of the service constitutes acceptance of any updates.
13. Contact Us
If you have questions about these Terms, please contact us:
Contact: https://www.creddley.com/contact-us/
