Last updated: November 4, 2026
These Terms of Use (“Terms”) govern your use of credqualify.com and related services (the “Site”) operated by Cred Qualify (“we,” “us”). Please read them with our Privacy Policy and Rates, Fees and Disclosures. By using the Site, you agree to these Terms.
1. Eligibility
You must be at least 18 years old, a resident of the United States, and able to form a binding agreement. Services are not available in every state, and some lenders do not operate in every state.
2. What Cred Qualify does
- Cred Qualify is not a lender, broker for any specific lender, or creditor. We do not make loans or credit decisions.
- Submitting a request on the Site is not a loan application to us. It is a request to be matched with lenders who may be able to help.
- Lenders set their own eligibility rules, loan amounts, rates, fees and terms. Approval and funding are never guaranteed, and a request does not obligate you to accept any offer.
- We may be compensated by lenders or partners in our network. This may influence which lenders are shown to you, but it does not change what you pay us, which is nothing.
3. Information and content
Articles, calculators and other content on the Site are for general information only. They are not legal, financial or tax advice. Loan terms, laws and fees change, so verify details with the lender and the relevant state agency before you decide. Payday and other short-term loans are expensive and are not meant as a long-term solution to financial problems.
4. Your responsibilities
- Provide information that is true, current and complete.
- Only submit information about yourself, or about another person with their authority.
- Keep your personal information and any login details private.
- Read and understand a lender’s agreement before accepting.
5. Consent to share and be contacted
When you submit a request, you authorize us to share your information with lenders and partners as described in our Privacy Policy, and you consent to the communications described on our Consent to Electronic Communications and Contact page.
6. Acceptable use
You agree not to use the Site to submit false or fraudulent information; to violate any law; to interfere with or attempt to break the security of the Site; to scrape, copy or resell Site content or data; to use automated tools to submit requests; or to send harmful code.
7. Third-party websites and lenders
The Site may link to or display lenders and other third parties. We do not control and do not endorse their content or services, and we are not a party to any agreement between you and a lender. Any dispute about a loan is between you and the lender.
8. Intellectual property
The Site, including its text, graphics, logos and design, is owned by Cred Qualify or its licensors and is protected by copyright and trademark law. You may view and print content for personal, non-commercial use. All other use needs our written permission.
9. Disclaimers
The Site and its content are provided “as is” and “as available” without warranties of any kind, express or implied, including accuracy, availability, fitness for a particular purpose and non-infringement, to the fullest extent permitted by law. We do not warrant that you will receive an offer, that offers are suitable for you, or that the Site will be uninterrupted or error free.
10. Limitation of liability
To the fullest extent permitted by law, Cred Qualify and its owners, employees and partners are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits or data, arising from your use of the Site or any dealings with a lender. Our total liability for any claim is limited to $100. Some states do not allow certain limitations, so these may not apply to you in full.
11. Indemnification
You agree to indemnify and hold us harmless from claims and expenses arising from your breach of these Terms, your misuse of the Site or information you submit that is false or that you had no right to provide.
12. Resolving concerns
If you have a concern, email info@credqualify.com first so we can try to resolve it. These Terms are governed by U.S. federal law and the laws of the state in which Cred Qualify is organized, without regard to conflict-of-law rules, except where your state’s consumer protection laws require otherwise.
13. Changes and termination
We may update these Terms or change or discontinue the Site at any time. Changes take effect when posted, and continued use means you accept them. We may suspend access for anyone who violates these Terms.
14. Contact
Cred Qualify, info@credqualify.com. See the Contact page for more ways to reach us.