Terms and Conditions

IMPORTANT: BeatPersonalDebt.com (the “Site”) collects the information you provide on this and subsequent forms to match you with a personal loan lender based on your complete application. Please note that while we are able to help many people with bad credit and no credit achieve approval, we are not able to help everyone. We do not guarantee approval.

We have some Loan Providers that are able to issue pre-approvals without performing any credit check, and other Loan Providers that can issue pre-approvals and approvals via a soft credit check (no impact to your credit score or rating). Once matched with a lender, it is possible that they will need to collect additional information from you, including your SSN, for the purpose of doing a soft credit inquiry. There is no impact to your credit score or rating when a lender performs a soft credit inquiry. Once pre-approved, for the intent of finalizing and financing your loan, some lenders may need to perform a hard credit inquiry. For more information on the difference between hard and soft credit inquiries and how they may affect your credit score, please visit: https://www.experian.com/blogs/news/2012/09/17/credit-score-myths/

If you submit an application for a loan request that requires a credit check in order for funding to be accomplished, you are providing written consent under the Fair Credit Reporting Act for BeatPersonalDebt.com's Loan Providers with whom you are matched to obtain consumer report information from your credit profile or other information from their contracted Credit Bureaus. You understand and agree that you are submitting an application for credit and are consenting to the use of your consumer report information by BeatPersonalDebt.com's lenders to conduct anti-fraud security checks and evaluate your application. You understand that your application may be matched with multiple lenders, each of whom may obtain consumer report information from your credit profile.

Prospective lenders will evaluate your application information to determine whether they are able to offer you a personal loan. BeatPersonalDebt.com does not guarantee that it will be able to place you with a lender in its direct network or that your loan application will be approved by any lender. Each lender will make its own approval decision, based on the specific criteria applicable to the loan program for which you have applied.

The operator of this website is not a lender and does not make loan or credit decisions in connection with its loan matching service. Completion of this application in no way guarantees that you will be approved for a personal loan. This site will attempt to match you with a personal loan lender based on your application. This service is not available in all states and the states serviced by this Website may change from time to time and without notice.

Not all lenders can provide up to $40,000. Repayment terms vary by lenders and local laws, and not everyone will qualify for maximum borrowing terms of 72 months.

Accessing our Site

You may only use the Site if you live in the United States and are at least 18 years old. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site. We may also impose limits on certain features of the Site or restrict your access to part of or the entire Site, without notice or penalty. BeatPersonalDebt.com does not charge users for use of the Site, and does not charge any fee to users upon successful completion of a personal loan.

User Data; Consent to Contact

During your use of the Site, you may be asked to provide information or materials to us ("User Data"), including information submitted with your loan application. Please review our Privacy Policy for how this data is handled.

By providing your contact information, you agree to receive communications via phone, email, and/or SMS/text messages, including through automatic dialing systems or prerecorded messages, even if your number is on a do-not-call list. Consent is not a condition of purchase. You agree that electronic communications satisfy legal requirements for written communication.

If you no longer wish to receive messages, you may opt out by emailing us at support@beatpersonaldebt.com, clicking unsubscribe in emails, or replying 'STOP' to any SMS.

By applying for a loan product, you consent to be contacted by our partner lenders. Opt-out requests must be made directly to those lenders.

You expressly authorize any matched lenders to share your transaction history with affiliates, loan servicers, or bank partners to evaluate you for credit.

Disclaimer of Warranties

The information and services on this Site are provided "as is" and for informational purposes only. BeatPersonalDebt.com makes no warranties, express or implied, regarding accuracy, suitability, reliability, or completeness. We disclaim all warranties including merchantability or fitness for a particular purpose.

Limitation of Liability

IN NO EVENT SHALL BeatPersonalDebt.COM OR ITS AFFILIATES, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF THE USE OF THIS SITE OR ITS CONTENT. TOTAL LIABILITY WILL NOT EXCEED FIVE DOLLARS ($5.00). THIS LIMITATION MAY NOT APPLY IN SOME JURISDICTIONS.

Agreement Not to Bring or Join Class Actions

You agree not to bring or participate in any class action against us. You agree to injunctive relief to enforce this and to pay our legal costs in doing so. This does not prevent you from pursuing individual claims.

Agreement to Arbitrate All Disputes

You agree to resolve any dispute via binding arbitration in Raleigh, North Carolina, administered by JAMS under its Streamlined Rules. This clause does not prevent either party from seeking injunctive relief in court.

Updates

We may revise these Terms at any time. Continued use of the Site after updates constitutes acceptance of the revised terms.

Applicable Laws

These Terms are governed by North Carolina law. Any legal action must be brought in North Carolina. If any provision is invalid, the remainder remains in effect. Claims must be brought within one year or be permanently barred.