Terms of Service

When you submit a loan application through NXLoans.com, whether online or over the phone, you authorize us to collect the information you provide for the purpose of reviewing your request for financing.

Information you may provide includes, but is not limited to:

• Full name
• Address
• Telephone number
• Email address
• Date of birth
• Social Security number
• Employment and income information
• Banking information
• Any additional information necessary to evaluate your application

You agree that all information you provide is accurate, complete, and truthful.

After your application is submitted, it may be reviewed by qualified loan officers or lending professionals affiliated with NXLoans for the purpose of evaluating your eligibility for available loan products.

Submission of an application does not guarantee approval, funding, or receipt of a loan offer.

Information submitted through our website or by telephone is collected and securely maintained by the site operator.

Unless a longer retention period is required by applicable law or necessary to complete your application or satisfy legal or regulatory obligations, application information will generally be retained for up to 30 days from the date it is received. After that period, eligible records will be securely deleted or destroyed.

By submitting an application, you authorize NXLoans and its affiliated lending professionals, where permitted by law, to obtain and review information necessary to evaluate your application.

This may include a soft credit inquiry, which generally does not affect your credit score. If a hard credit inquiry becomes necessary for a particular loan product or lender, your separate authorization may be requested as required by applicable law.

NXLoans does not sell your personal information to third parties.

Your information may be shared only with:

• Affiliated loan officers or lending professionals reviewing your application;
• Service providers that assist in processing applications or operating our business;
• Credit reporting agencies or identity verification providers, as permitted by law;
• Government authorities or regulators when required by law; or
• Other parties with your consent.

Submitting an application does not create a lending relationship and does not guarantee that you will qualify for, or receive, a loan. Approval decisions are based on the policies and underwriting criteria of the applicable lender.

You agree not to:

• Provide false or misleading information;
• Submit applications on behalf of another person without authorization;
• Use the website for unlawful purposes; or
• Attempt to interfere with the operation or security of the website.

To the fullest extent permitted by law, NXLoans shall not be liable for indirect, incidental, special, or consequential damages arising from your use of the website or submission of an application.

NXLoans may update these Terms of Service at any time. Updated versions will be posted on this website with a revised Effective Date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.