Terms of Service & Legal Disclosures

Last Updated: March 2026

By accessing and using MellowLoans.com, you agree to be bound by the following Terms of Service. If you do not agree with any part of these terms, please refrain from using our platform.

1. Service Disclaimer (Not a Direct Lender)

MellowLoans.com is not a lender, a loan broker, or an agent for any financial institution. We do not make credit decisions, issue loans, or determine interest rates. Our website functions strictly as a free matching service designed to connect prospective borrowers with participating direct lenders within our network.

2. APR, Fees, and Loan Terms

Since we are not a lender, we do not have access to or control over the specific terms of your loan. The Annual Percentage Rate (APR), repayment schedule, and any associated fees are determined solely by the lender who approves your request. You are under no obligation to accept any loan offer. Please review your lender’s terms and conditions carefully before legally committing to a loan.

3. Credit Checks and Implications

By submitting your information, you authorize the lenders in our network to verify your identity and assess your creditworthiness. While many lenders utilize alternative credit scoring or perform a "soft pull" (which does not affect your FICO® score), some may perform a traditional hard credit inquiry with major bureaus (Equifax, Experian, TransUnion). A hard inquiry may affect your credit score.

4. User Eligibility

To use our services, you must be at least 18 years old, be a legal resident or citizen of the United States, have a steady source of income, and hold an active bank account.

5. Limitation of Liability

MellowLoans.com assumes no liability for any damages, financial losses, or disputes that may arise between you and any lender in our network. Any loan agreement you enter is strictly a binding contract between you and the respective lender.

6. Contact Information

For any inquiries regarding these Terms of Service, please reach out to us at: admin@mellowloans.com