Terms of Service & Disclosures

1. Marketplace Intermediary Disclosure

Credit Saint operates exclusively as a loan connecting service and is not a direct lender. We do not make credit decisions, issue loans, or guarantee that any partner will approve your application. Credit Saint is an administrative marketing platform that connects consumers with participating lenders and financial institutions.

2. User Eligibility

By using this platform, you represent and warrant that you are:

• At least 18 years of age
• A US citizen or legal resident
• A resident of a state where our services are available
• Authorized to provide the information submitted

3. Soft Credit Inquiries

By submitting your ZIP code and request, you consent to allow participating lenders to perform a soft credit check to determine pre-qualification eligibility. Soft pulls do not impact your credit score. If you choose to proceed with a specific lender's offer, that lender may perform a hard credit inquiry, which could affect your credit score.

4. E-SIGN Consent

You agree to receive communications, disclosures, and electronic documents from Credit Saint and its participating lending partners electronically. This consent applies to all records related to your inquiry and any subsequent transactions. You may withdraw this consent at any time by contacting us at support@creditsaintchoice.com, though this may limit our ability to provide services.

By checking the box or submitting your information on our platform, you acknowledge that you have access to a computer or mobile device with internet connectivity and the ability to view, download, and print electronic documents.

5. Binding Arbitration

Any dispute arising from your use of Credit Saint's services shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall take place in the state in which you reside. Judgment on the award may be entered in any court having jurisdiction.

6. Limitation of Liability

Credit Saint shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the platform or any loan obtained through a participating lender. We do not guarantee the accuracy of information provided by third-party lenders or that you will receive a loan offer.

7. Electronic Communications Agreement

By using our platform, you consent to receive electronic communications from Credit Saint, including emails, SMS messages, and notifications. Standard message and data rates may apply. You may opt out of marketing communications at any time by following the unsubscribe instructions in any communication.

8. Disclosures

Loan terms range from 6 to 72 months. Annual Percentage Rates (APR) range from 5.99% to 35.99% based on lender criteria and creditworthiness. For example, borrowing $5,000 over a 36-month term at an 11.99% APR results in a monthly payment of $166.08, with a total repayment amount of $5,978.88. Credit Saint does not charge fees to use this connection service. Actual rates and terms depend on creditworthiness, income, and state regulations. Not all applicants will qualify for the lowest rate.

9. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the platform after changes constitutes acceptance of the revised Terms.