Terms of Service for Loancero

Last updated September 20, 2026

Important: Read This Section First

Loancero is a lead-generation company that works with multiple lenders to help U.S. consumers find suitable loan options based on the application information they submit through loancero.com. Loancero is not a lender, does not make loans, and does not make credit decisions. We do not guarantee approval, funding, rates, fees, repayment terms, or any particular loan offer. Submitting an application does not guarantee approval.

When you submit an application, we may send your information to participating lenders, lending networks, and financial-service providers. Those providers may independently review your information, contact you, and present offers. Each provider is responsible for its own eligibility criteria, underwriting, loan documents, terms, disclosures, licensing, and privacy practices. Any rate, term, and amount offered is set by the lender and depends on the information in your application. You are not required to accept any offer.

1. Eligibility

You must be at least 18 years old, live in the United States, and be legally able to enter into a binding agreement to use the Services. The Services are not directed to children or to people outside the United States. By using the Services, you represent that the information you provide is accurate, current, and complete and that you will update it when necessary.

Lenders may impose additional eligibility requirements, including requirements based on location, income, identity, credit profile, employment, or ability to repay. Meeting the requirements to use the Services does not mean that you qualify for a loan.

2. The Site and How the Application Works

Loancero.com includes a home page with an online application, an About Us page, a Privacy Policy, these Terms, and a Contact Us page. The application works as follows:

Step 1 — Tell us what you need. You choose the main purpose of the loan (for example, debt consolidation, home improvement, medical or emergency expenses, or a major purchase or other purpose). You can apply for $2,000 to $150,000, with terms typically ranging from 6 to 60 months.

Step 2 — Answer a few questions. The application asks one question per screen, in seven steps in total, about your employment, income, and credit profile, along with your contact details. Your answers are sent over an encrypted connection.

Step 3 — A lender may review your application. When you submit your completed application, we send your information to one or more participating lenders, lending networks, and financial-service providers as described in our Privacy Policy. A lender that chooses to review your information may contact you by email with next steps.

We do not charge you a fee to submit an application through the Services. Loancero may change, suspend, or discontinue any part of the Services at any time. We do not guarantee that a lender, offer, product, or service will be available to you.

3. Loan Terms Disclosure

The following information applies to the loan products promoted on the Site:

Loan amounts: $2,000 to $150,000.
Repayment periods: typically from 6 months (minimum) to 60 months (maximum).
Annual Percentage Rate (APR): representative APRs range from 5.99% to 29.99%. The maximum APR shown in our advertising and on the Site is 29.99%. APR generally includes interest and applicable fees and other costs for a year. Your actual APR depends on your credit, loan amount, term, and lender.
Representative example: a $10,000 loan repaid over 36 monthly payments at a 29.99% APR would have a monthly payment of about $424.46 and a total repayment of about $15,280.60, for a total cost of credit of about $5,280.60, including interest and fees. This is an example only; your actual payment and total cost will depend on the terms your lender offers.

Loancero does not promote payday loans, paycheck advances, or any loan that requires repayment in full within 90 days or less, and does not promote loans with an APR of 36% or higher.

4. No Loan, Credit, or Financial Advice

Loancero does not provide financial, credit, tax, legal, or investment advice. Information on the Services is for general informational purposes and is not a recommendation to borrow or accept any offer.

Any rate, payment, amount, term, fee, approval statement, or other offer shown or communicated by a participating provider is subject to that provider’s review and final documentation. Review all lender disclosures and agreements carefully before accepting an offer. Do not accept a loan unless you understand its total cost, annual percentage rate, fees, payment schedule, consequences of late payment, and other terms.

5. Loan Offers, Compensation, and Provider Relationships

Loancero may receive compensation from participating lenders, lending networks, or service providers for referrals, leads, advertising, or other services. Compensation may influence which providers or offers are displayed or routed through the Services. It does not determine whether a provider approves an application or the terms of a provider’s offer.

Loancero does not represent that any lender will offer the lowest rate, the best terms, the fastest funding, or a product suitable for your circumstances. We do not guarantee that you will receive multiple offers or any offer.

If you continue to a third-party provider, you may leave the Services and become subject to that provider’s terms, privacy policy, consent requirements, and disclosures. Loancero is not responsible for a provider’s decision, conduct, website, products, communications, or services.

6. Prohibited Loan Products and Conduct

Loancero does not promote through the Services any product that violates applicable law or the advertising policies of the platforms used to promote the Services. We do not promote payday loans, paycheck advances, bail bonds, other short-term loans intended to cover expenses until a person’s next payday, or loans that require repayment in full within 90 days or less.

You may not use the Services to:

Provide false, misleading, stolen, or unauthorized information.
Apply on behalf of another person without authorization.
Misrepresent your identity, income, employment, residence, or financial information.
Attempt to obtain a loan through fraud or deception.
Interfere with the security or operation of the Services.
Use automated systems to access, scrape, copy, or monitor the Services without our written permission.
Introduce malware, harmful code, or content that violates another person’s rights.
Use the Services for an unlawful purpose.

7. Application Information and Verification

You authorize Loancero and its service providers to collect, use, verify, and transmit the information you submit as described in our Privacy Policy (https://loancero.com/privacy). You are responsible for ensuring that submitted information is accurate and that you have permission to provide information about any other person.

We may request additional information to verify identity, prevent fraud, complete a request, or comply with legal requirements. We may decline to process a request or restrict access if information appears inaccurate, incomplete, fraudulent, or unauthorized.

The application on the Site does not ask for your Social Security number, date of birth, residential address, or banking information. Do not submit a Social Security number, bank-account number, routing number, credit-card number, or other sensitive financial information through a Meta or Google advertisement, a lead form, or another third-party advertising form. If banking information is needed, Loancero collects it separately through other marketing channels or dedicated landing pages, and only after we first obtain your consent.

8. Communications by Email and Optional Marketing Consent

We contact you by email. We do not contact you by telephone call or text message.

Service emails. By using the Services or submitting an application, you agree that Loancero and participating providers may contact you by email about your request, application status, available offers, security, or service-related matters, using the email address you provide, subject to applicable law. A provider’s own emails are governed by that provider’s terms and privacy policy.

Optional marketing emails. Consent to receive promotional emails is optional and is not a condition of submitting an application, using the Services, or obtaining a loan. We will not treat a person’s failure to consent to marketing as a reason to deny access to the Services. Our marketing emails will identify Loancero as the sender, will not use misleading subject lines or sender information, and will include our physical mailing address and an unsubscribe link.

You may opt out of promotional emails at any time by using the unsubscribe link in the email or by contacting us at the address in Section 22. We will honor opt-out requests promptly and no later than ten (10) business days. Opting out of promotional emails does not necessarily stop service-related, security, legal, or application-status emails.

9. Electronic Communications and Signatures

You agree that we may provide notices, disclosures, records, and other communications electronically where permitted by law. You may need a working email address, internet access, and a device capable of viewing electronic documents. You may withdraw consent to electronic delivery by contacting us, but doing so may prevent us or a provider from completing a requested service.

An electronic submission, checkbox, click, or signature may have the same legal effect as a written signature where permitted by law. We will identify when a separate consent, authorization, or electronic-record disclosure is required.

10. Privacy

Our collection and use of personal information are described in the Loancero Privacy Policy (https://loancero.com/privacy). The Privacy Policy explains the categories of information we collect, how we use and share it, retention practices, privacy rights, cookies, and advertising technologies, including our use of Meta and Google advertising tools.

By using the Services, you acknowledge that information may be shared with participating lenders, lending networks, financial-service providers, and service providers as described in the Privacy Policy. Review a third-party provider’s privacy policy before submitting information directly to that provider or accepting an offer.

11. Advertising and Platform Compliance (Meta and Google)

Loancero’s advertisements and landing pages are intended to describe the Services accurately. We do not make claims that guarantee approval, promise a specific rate, imply knowledge of a person’s debt, credit, or financial hardship, or otherwise misrepresent a viewer’s personal attributes or financial condition. We disclose the loan terms described in Section 3 on our landing page.

Meta. For campaigns promoting financial products or services on Facebook and Instagram, we use Meta’s Special Ad Category for credit where required, target adults only, do not use age, gender, or ZIP-code targeting where Meta restricts it, and do not collect sensitive financial information through Meta lead forms or Meta business tools.

Google. For campaigns on Google, we comply with Google Ads policies for financial products and services and personal loans, including prominent disclosure of repayment periods, the maximum APR, and a representative example, and we do not advertise loans that require repayment in full within 60 days or less or that carry an APR of 36% or higher. We do not use sensitive information or restricted categories, such as personal or financial hardship, for personalized advertising or remarketing.

These Terms do not guarantee that an advertisement, account, landing page, or campaign will be approved by Meta, Google, or any other platform. Each platform may review, limit, reject, or remove advertising content under its own policies and may impose additional requirements.

12. Third-Party Services and Links

The Services may contain links, integrations, advertisements, or referral pathways to third-party websites, including lender websites, identity-verification services, analytics providers, and secure bank-connection services. Third-party services are controlled by their respective operators. We do not endorse or guarantee them and are not responsible for their content, availability, security, privacy practices, fees, decisions, or products.

13. Intellectual Property

The Services and their content, including text, graphics, logos, software, design, and compilation, are owned by Loancero or its licensors and are protected by applicable intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable right to access and use the Services for personal, lawful purposes.

You may not copy, modify, distribute, sell, lease, reverse engineer, frame, reproduce, publish, create derivative works from, or commercially exploit the Services without our prior written permission, except as permitted by law.

14. User Content and Feedback

If you submit feedback, questions, reviews, or other content, you grant Loancero a non-exclusive, worldwide, royalty-free, transferable, sublicensable license to use, reproduce, modify, display, and distribute that content for operating, improving, and promoting the Services, subject to our Privacy Policy and applicable law.

You represent that your submission is accurate, lawful, non-infringing, and does not contain another person’s private information unless you have permission to provide it.

15. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” LOANCERO DISCLAIMS WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, AND RESULTS.

LOANCERO DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL CODE; THAT INFORMATION WILL BE ACCURATE OR COMPLETE; THAT YOUR APPLICATION WILL BE REVIEWED BY ANY PARTICULAR PROVIDER; OR THAT YOU WILL RECEIVE, QUALIFY FOR, OR ACCEPT A LOAN.

Some jurisdictions do not allow certain warranty exclusions. Those exclusions apply only to the extent permitted by applicable law.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LOANCERO AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, LOSS OF OPPORTUNITY, OR BUSINESS INTERRUPTION ARISING FROM OR RELATED TO THE SERVICES, THESE TERMS, A PROVIDER, OR A LOAN OFFER.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF LOANCERO FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

These limitations do not apply where prohibited by law or to liability that cannot legally be limited or excluded.

17. Indemnification

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Loancero and its owners, officers, employees, contractors, affiliates, and service providers from claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of your misuse of the Services, violation of these Terms, fraud, unlawful conduct, or infringement of another person’s rights.

18. Termination and Suspension

We may suspend or terminate your access to the Services, in whole or in part, if we reasonably believe that you violated these Terms, provided inaccurate or unauthorized information, engaged in fraud or abuse, created security risk, or exposed us to legal or regulatory risk. We may also discontinue the Services at any time.

Sections that by their nature should survive termination will survive, including provisions concerning intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, and applicable law.

19. Dispute Resolution and Applicable Law

These Terms are governed by the laws of California, United States, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Services will be resolved in the courts located in Fresno County, California, unless applicable law requires another forum or prohibits a particular dispute-resolution provision.

20. Changes to These Terms

We may update these Terms from time to time. We will post the revised version on the Site and update the “Last Updated” date. If a change materially affects your rights or obligations, we will provide any notice required by law. Your continued use of the Services after the effective date of revised Terms means that you accept the changes to the extent permitted by law.

21. General Terms

If any provision of these Terms is held invalid or unenforceable, it will be modified or severed to the minimum extent necessary, and the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. These Terms, together with the Privacy Policy and any additional terms presented for a particular service, constitute the agreement between you and Loancero regarding the Services.

22. Contact Information

For questions about these Terms, marketing-email opt-outs, or privacy requests, contact us by email:

Loancero Privacy and Terms Contact: karan@loancero.com Mailing Address: 2167 Shaw Ave Ste 115 #2032, Clovis, CA 93611 Website: https://loancero.com/contact