Effective Date: 2025-12-05
Welcome to Credditt. By accessing or using our website and services, you agree to be bound by these Terms of Service. Please review them carefully before using the site.
1. About Credditt
Credditt operates as an online service that allows users to submit a loan request and review potential lending options. Credditt is not a lender and does not issue loans, make credit decisions, or set loan terms.
All loan approvals, amounts, interest rates, fees, repayment schedules, and funding decisions are determined exclusively by third-party lenders. Credditt does not guarantee that any user will be approved or that any specific loan terms will be offered.
2. Eligibility Requirements
To use Credditt’s services, you must:
- Be at least 18 years of age
- Be a U.S. citizen or lawful resident
- Maintain an active checking account
- Have verifiable income (many lenders require a minimum monthly income and recent employment history)
By using the website, you confirm that you meet these eligibility criteria.
3. Fees and Costs
Credditt does not charge users any fees to submit a loan request or use the platform.
If a lender extends an offer, the lender will disclose all applicable fees and the annual percentage rate (APR) before you accept the loan. These may include origination fees, late payment charges, or other lender-specific costs. Credditt does not control or determine these fees.
4. Use of the Website
You agree to use the Credditt website only for lawful and legitimate purposes. You may not:
- Submit inaccurate, false, or misleading information
- Attempt to access systems or data without authorization
- Use the service in connection with fraudulent or illegal activity
Credditt reserves the right to restrict or terminate access if misuse is detected.
5. Intellectual Property
All content on the Credditt website—including text, logos, design elements, graphics, and software—is owned by Credditt or its licensors and is protected by intellectual property laws.
You may not reproduce, distribute, modify, or commercially exploit any content without prior written permission.
6. Disclaimer of Warranties
Credditt provides its website and services on an “as is” and “as available” basis. We make no warranties or representations regarding loan approval, lender participation, funding timelines, or specific loan terms.
7. Limitation of Liability
Credditt is not responsible for any losses, damages, or disputes arising from your use of the service or from any loan agreement entered into with a third-party lender.
All matters related to loan repayment, fees, or lender conduct must be addressed directly with the lender.
8. Privacy and Data Security
Credditt uses reasonable administrative and technical safeguards to protect personal information. Details regarding data collection, use, and sharing are outlined in our Privacy Policy, which is incorporated by reference into these Terms.
9. Changes to These Terms
Credditt may update or revise these Terms of Service at any time. Any changes will be posted on this page with an updated effective date. Continued use of the website after changes are posted constitutes acceptance of the revised terms.
10. Electronic Communications and Consent
By using the Credditt website, you consent to receive communications electronically, including disclosures, notices, and agreements, via email or through the website. You agree that electronic communications satisfy any legal requirement that such communications be in writing.
11. Credit Check Authorization
By submitting a loan request through Credditt, you authorize participating lenders and their partners to obtain consumer reports, including credit reports or alternative data, as permitted by law, in order to evaluate your application. These checks may include soft or hard inquiries depending on the lender and stage of the application process.
12. No Credit Repair or Financial Advice
Credditt does not provide credit repair services, financial advice, or recommendations regarding whether a loan is suitable for your personal financial situation. Any information provided on the website is for general informational purposes only. Users are encouraged to review all loan terms carefully and consider seeking independent financial advice before accepting any loan offer.
13. Contact Information
If you have questions about these Terms of Service, please contact us:
Contact Page: https://www.credditt.com/contact