Welcome to Loanclose
These terms and conditions outline the rules and regulations for the use of Loanclose’s Website. By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Loanclose’s website
if you do not accept all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice
and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website
and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers
to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client
or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake
the process of our assistance to the Client in the most appropriate manner, whether by formal meetings
of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect
of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law
of . Any use of the above terminology or other words in the singular, plural,
capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same.Cookies
to enable the functionality of this area and ease of use for those people visiting. Some of our
Unless otherwise stated, Loanclose and/or it’s licensors own the intellectual property rights for
all material on Loanclose. All intellectual property rights are reserved. You may view and/or print
pages from http://www.txloan.com for your own personal use subject to restrictions set in these terms and conditions.
You must not: Republish material from http://www.txloan.com
Sell, rent or sub-license material from http://www.txloan.com
Reproduce, duplicate or copy material from http://www.txloan.com Redistribute content from Loanclose (unless content is specifically made for redistribution).
Hyperlinking to our Content
The following organizations may link to our Web site without prior written approval:
Online directory distributors when they list us in the directory may link to our Web site in the same
manner as they hyperlink to the Web sites of other listed businesses; and
Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls,
and charity fundraising groups which may not hyperlink to our Web site. These organizations may link to our home page, to publications or to other Web site information so long
as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or
approval of the linking party and its products or services; and (c) fits within the context of the linking
We may consider and approve in our sole discretion other link requests from the following types of organizations:
commonly-known consumer and/or business information sources such as Chambers of Commerce, American
Automobile Association, AARP and Consumers Union;
dot.com community sites;
associations or other groups representing charities, including charity giving sites,
online directory distributors;
accounting, law and consulting firms whose primary clients are businesses; and
educational institutions and trade associations. We will approve link requests from these organizations if we determine that: (a) the link would not reflect
unfavorably on us or our accredited businesses (for example, trade associations or other organizations
representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed
to link); (b)the organization does not have an unsatisfactory record with us; (c) the benefit to us from
the visibility associated with the hyperlink outweighs the absence of ; and (d) where the
link is in the context of general resource information or is otherwise consistent with editorial content
in a newsletter or similar product furthering the mission of the organization. These organizations may link to our home page, to publications or to other Web site information so long as
the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval
of the linking party and it products or services; and (c) fits within the context of the linking party’s
site. If you are among the organizations listed in paragraph 2 above and are interested in linking to our website,
you must notify us by sending an e-mail to firstname.lastname@example.org.
Please include your name, your organization name, contact information (such as a phone number and/or e-mail
address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site,
and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.
Approved organizations may hyperlink to our Web site as follows:
By use of our corporate name; or
By use of the uniform resource locator (Web address) being linked to; or
By use of any other description of our Web site or material being linked to that makes sense within the
context and format of content on the linking party’s site. No use of Loanclose’s logo or other artwork will be allowed for linking absent a trademark license
Without prior approval and express written permission, you may not create frames around our Web pages or
use other techniques that alter in any way the visual presentation or appearance of our Web site.
Reservation of Rights
We reserve the right at any time and in its sole discretion to request that you remove all links or any particular
link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also
reserve the right to amend these terms and conditions and its linking policy at any time. By continuing
to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.
Removal of links from our website
If you find any link on our Web site or any linked web site objectionable for any reason, you may contact
us about this. We will consider requests to remove links but will have no obligation to do so or to respond
directly to you.
Whilst we endeavour to ensure that the information on this website is correct, we do not warrant its completeness
or accuracy; nor do we commit to ensuring that the website remains available or that the material on the
website is kept up to date.
We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify
and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any
page on your Web site or within any context containing content or materials that may be interpreted as
libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or
other violation of, any third party rights.
To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will: limit or exclude our or your liability for death or personal injury resulting from negligence;
limit or exclude our or your liability for fraud or fraudulent misrepresentation;
limit any of our or your liabilities in any way that is not permitted under applicable law; or
exclude any of our or your liabilities that may not be excluded under applicable law. The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a)
are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or
in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort
(including negligence) and for breach of statutory duty.
To the extent that the website and the information and services on the website are provided free of charge,
we will not be liable for any loss or damage of any nature.
VTloan.com or Loanclose.com does not constitute an offer or solicitation to lend. We collectively and individually, are not lenders, do not broker loans, and do not make loan or credit decisions. Loanclose.com provides a service only and is not acting as a representative, agent, or correspondent for any service provider or lender. The purpose of VTloan.com is to inform users of possible lenders who may be able to satisfy the needs of an individual consumer. VTLoan.com does not endorse any particular service provider, lender, or loan product. You have no obligation to use VTloans’s service to initiate contact, nor apply for credit or any loan product, with any service provider or lender. Greater clarity is provided within the disclosure for each loan type. Generally speaking, some service providers or lenders may (depending on the loan program you desire to obtain) perform a credit check with some, all, or none of the three major credit reporting bureaus: Experian, Equifax, and Trans Union. In these instances your credit score may be impacted by the credit inquiry. Alternatively, credit checks or consumer reports through other providers, such as Teletrack or DP Bureau, will not impact your credit score with Experian, Equifax, or Trans Union, and may be obtained by some service providers or lenders in certain circumstances. You will not be charged any fees to use VTLoan’s service. If you have additional questions concerning this you may contact us.
Some or many of the loan offers that appear on this site are from companies from which VTloan.com, receives compensation.
The process of “connecting” you with lenders, loan assessments, and reviews are based on objective quantitative and qualitative analysis of loan attributes. They are not affected by compensation.
Compensation could influence which loan sources we write and review about and how and where products appear on this site (ex. the order in which they appear).
While VTloan.com is dedicated to offering you the most helpful options, our site does not feature every loan product or company available.
Nonpayment Implications, late payment and other considerations:
VTloan.cm is not and lender and we do not charge any fees for our service. Every loan or service that is connected to every source in VTLoan.coms network provides the consumer with specific terms, conditions and practices prior to consumers acceptance of the loan. VTloan.com recommends you review the terms and conditions stated by the lenders of any loan or service offered to you.
When accepting the terms and conditions of a loan or any other offer, you are agreeing to pay back the principal and finance charges of the loan in the time shown in the documents supplied by the lender. VTLoan.com has no control or knowledge over the details between you and your lender. VTloan.com has no way of knowing the fees or charges that incur as a result of nonpayment, late payment or partial payment. VTLoan.com only works with professional, reputable lenders.
Credit Score Impact:
VTloan.com has makes absolutely no credit decisions or give loans and conduct a credit score check on consumers. Most lenders and service providers we have parentered with preform a credit check with all or a single credit reporting bureau (Experian, Equifax, or Trans Union) as well as creidit checks through other providers such as Teletrack or DP Bureua have no effect or impat on your credit score. Ultimately your credit score, VTloan.com has no control over what happens are your are connected to a lender and your credit score may or may not be impacted by the actions of certain lenders. Not paying (delinquiting) could result in your lender reporting you to one or more credit buueus and negatively impact your credit score. We encourage consumers with credit issues to consult another source.
VTloan.com does not engage in debt collection practices because we are not a lender. The collection practices will be disclosed between your lender and yourself. If you are in any way unsure about the collection practices or processes used by a specific lender, we would recommend that you disclose this uncertainty with your lender directly. VTloan.com makes an effort to partner with only reputable, established lenders.
Some residents in some states may not be eligible for some, all or none of the loan programs and other serviced offered on this site. We cannot guarantee that completing an inquiry form will result in you being paired with a lender or service provider.
VTloan never charges a fee to the consumer for using our services
VTloan is not a lender so no down payment or up-front money is required from us. VTloan.com does not recommend ever paying up front fees to obtain a loan and be suspicious of any such arrangements. Only in the event that you actually receive a loan from a lender or service provider will you incur a fee or interest charge, and that amount should be disclosed to you by your lender or service provider before obligating yourself to a loan.
Representative APR Range:
VTloan.com and Loanclose are not lenders and do not provide loans, we connect consumers with lenders or loan sources or services who may provide such services or loans. VTloan.com cannot provide an exact APR. APRs vary according to information supplied by you in your loan request, and your loan source. Your lender or service provider will supply you with the exact terms of your loan or service (APR, loan fees and other terms). The APR’s on this site vary depending on many factors.