Term of use
Term of use
Luxeloan.net (“we” or “our”) owns and operates the website located at Luxeloan.net, (the “Site”). Luxeloan.net provides and maintains this Site for your information, conditioned on your acceptance of the terms, conditions, and notices contained in this agreement (“Terms of Use”). By accessing and using the Site, you accept and agree, without limitation, to the following:
1. Site usage
Luxeloan.net is developed to give you the opportunity to connect with reliable lenders. This site is for those who are over 18 years old and US legal residents. Our role is not a lender, we are only providing a fee-of-charge place to help you in applying for the funds and connecting with the lenders to solve your financial request. We do not lend money and play no role in both sides' communication process, and we do not represent or promote the services of any particular lender. It is no obligation for you to use our site, provide your personal information, or accept an offer from a third-party lender.
For any funding-related questions, you should contact your lenders directly to address as we do not participate in the lending process. Hence, we will not be responsible and liable for any misunderstanding, fees, damages caused during the communication between you and your lender.
When you access and join the site, you acknowledge that you know our Terms of Use. You understand and consent that some personal details will be required to share for the purpose of connecting with lenders. You are aware that we may share this information with them and that they, in their turn, may also use it. As stated clearly on our Privacy Policy, you agree and consent to all parts mentioned on our Privacy Policy.
Please note that the application review is a process that lenders will implement to verify your personal information to see your eligibility, which may affect your credit score when they address national databases and credit reporting agencies with such requests.
2. Product/Services
By accessing the site and providing your information, you understand and agree that Luxeloan.net is not working as a lender, not requiring product purchases or issuing any features of products or services on the site. If there are any advertised products/services available by our partners after leaving our site, the responsibility for those products and services will be taken by the providers only.
3. Intellectual property rights
All properties including trademarks, titles, characters, designs, graphics, content, logo, and other properties are owned by Luxeloan.net and protected by the copyright laws of the US. You are not allowed to copy, reproduce…our intellectual properties without our prior written permission.
4. Limitation of Liability
By agreeing to participate the site, you are voluntary to provide your personal details and understand all the contents, services presented by the site, the company (the site) does not take any responsibilities for any direct, indirect, incidental, consequential or other form of loss or damage, including but not limiting the loss of profit, data, opportunities, costs, personal injury/wrongful death and other forms of damage, that you may encounter due to the site usage.
Some jurisdictions do not recognize or allow the exclusion of certain specific warranties such as incidental or consequential damages. In such cases, the total liability of the company in the case of such loss or damage related to the usage of the site is limited to the extent of the total amount paid by you to the company in connection with the subject matter of the particular dispute.
5. Compliance with laws
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your acceptance or purchase of products or services through this Site's third party vendors.
6. E-Consent
E-Consent is an electronic signature of yours. By clicking links like “Request Now”, “I Agree”, “Submit”, “E-Sign”, “Consent”, etc., you agree to give your electronic signature, which means you also consent that you agree to communicate with us and third parties electrically via phone, email, sms,...
7. Violations
Any actions against our Terms of Use are considered as violations, in these cases, we have the right to terminate your account without notice and remove all of your provided materials from our sites.
8. Modifications and Updates
For important purposes to ensure your understanding about all the terms, please read all information carefully and usually review to update some new modifications as we have the right to modify and update the present Terms of Use without notice.
Frequently Asked Questions
1. What is Luxe Loan?
Luxe loan is a cash advance and personal loan online referral service on our website. If a customer is looking for a cash advance or personal loan online, we help connect them with a marketplace of companies who offer personal loan and cash advances. Our website features a secure form requesting information that lenders and/or lending partners within our cash advance and personal loan referral marketplace will use to decide whether they want to offer a customer a cash advance or personal loan. The information that they need in order to make cash advance or personal loan decisions about each customer includes name, address, home and work phone numbers, and email address. They also need a customer's birth date and social security number to comply with the US Patriot Act. The operator of this website can be reached by mail at Luxe loan, 2803 Philadelphia Pike, Suite B #1020, Claymont, DE 19703, United States or by email. Customers can contact us if they want to discontinue using our loan referral service, or to change their communication preferences. Any questions about cash advance or personal loan amounts should be directed to the company from which a customer obtained his or her cash advance or personal loan.
2. How much will the loan cost?
The cost of the loan and Annual Percentage Rate (APR) depend on several factors including but not limited to, credit history, stable source of income, and state law. Your APR also depends on how much you want to borrow and how quickly you want to repay the loan. The terms of your loan are disclosed during the loan request process when you are directed to the lender's and/or lending partner's loan agreement. This information is strictly between you and your lender and/or lending partner. Not all customers will be eligible for a loan or meet the criteria to receive the best terms or lowest interest rate.
3. How soon can a personal loan or cash advance be made available?
The time it takes to process a loan and transfer or ACH funds into an individual's account varies with each loan company, and also depends on the financial institution where the customer has their bank account. However, approved individuals can often receive their loan as soon as the next business day after approval.
4. Why are you collecting my SSN and Bank Details?
Our network of lenders use your SSN and bank details to help them make a decision about whether or not to extend you a loan offer. The bank details also help the lender that you are connected to know how to send money to your account. Our websites are encrypted using industry recognized encryption technology to help keep your information safe. Additionally, lenders use the SSN to help ensure the identity of the applicant is really the person they say they are.
5. Are you a lender?
No, we are not a lender. We work with several lenders to make up a network that can help you to find a loan. After submitting a request, if accepted, we will forward you to the lender's website where you will be able to learn more about your specific loan offer.
6. What if I have bad credit?
We attempt to connect consumers with lenders regardless of your credit history. Requirements needed for a loan approval is based on each individual lender. Please review our How It Works page to determine if you have the basic requirements to qualify.
7. Where do I find my ABA / Routing Number & account number?
Please see the diagram below for instructions on how to find the information from your check book. Alternatively please call your bank for more information.
7. Where do I find my ABA / Routing Number & account number?
Please see the diagram below for instructions on how to find the information from your check book. Alternatively please call your bank for more information.
8. What Happens If I Do Not Pay (Implications Of Non-Payment)?
Late/Partial Payments: If you do not pay the full amount of principal and interest by the agreed-upon payment date, you will likely be charged a new finance charge and payment date may be extended until your next pay date. This new finance charge may be a flat fee, or may be calculated by applying the proportionate amount of the finance charge to the unpaid loan amount. Review the late payment policy detailed in the loan documents provided to you by your lender and/or lending partner before signing your e-signature, and thereby agreeing to the loan terms.
No-Payment: Luxe Loan does not enforce payment. If you do not pay, your lender and/or lending partner may take legal action against you. Additional fees may apply to you in the event that you are unable to repay your loan. Information regarding your payment history, delinquency or defaults on the account may be reported to a third party consumer reporting agency and may impact your credit rating.
Loan Renewals: Luxe Loan will not provide a renewal for you. Your lender and/or lending partner has renewal policies which will vary. With every extension or renewal, a new finance charge ("Extension Fee") may be assessed by the lender and/or lending partner, and the re-payment date may be extended until the borrower's next pay date. The finance charges can be significant depending on the lender and/or lending partner.
Collection Practices: Collections practices of lenders and/or lending partners and/or any assignee(s) will be in accordance with the principles of applicable federal regulations. Lenders and/or lending partners may attempt to contact borrowers via one or more authorized methods, including phone calls and emails, to arrange for payment. Impact to Credit Score: Your lender and/or lending partner may report late or missed payments to the credit bureaus. This can negatively affect your credit score. Consumers with credit difficulties should seek credit counseling.
9. What Are Personal loan Or Installment loan?
Personal and/or installment loan typically range between $100 and $5,000. They can be used for almost any personal expense, from paying off credit cards and medical bills to financing home repairs or even a much-needed vacation. Personal loan are commonly called installment loan because they are typically paid back in monthly or bi-monthly installments over an extended period of time. They can be a convenient alternative to bank loan or high-interest credit cards, with online loan request forms and no-hassle automated repayment.
10. How Much Can I Receive?
Qualified loan amounts can vary and are based on personal eligibility. Approved loan amounts can range between $100 to $5,000.
11. What is the cost?
There is no cost to use luxeloan.net. The fees of the loan will vary depending upon the amount and the lender. The lender will inform you of the fees for the loan which may vary depending on the lender.
12. Loan Renewal Policies
Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully peruse the renewal policy presented in the agreement before you sign the documents.
13. Representative Example of APR
If you borrow $2,500 over a term of 1 year with an APR of 10% and a fee of 3%, you will pay $219,79 each month. The total amount payable will be $2,637, with a total interest of $137,48.
14. Collection Practices
Luxe Loan is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the issue, please, address them to your lender. For more information visit our page for Responsible Lending. luxeloan.net itself isn't involved in debt collection.
Rates & Fee
luxeloan.net provides free-of-charge service to help borrowers like you connect with reliable lenders to solve your financial needs. We do not review, approve or make any decisions related to your loan requests or approvals, you have to work with your lenders regarding rates, APR, lending policy, fees or any other rules. Each state may have different local regulations to proceed with your loan request, we only try our best to provide you with as much information as we can, including how it works and some FAQs.
It is important to read and understand all the agreement and related information, including the fees and APR, as well as the terms of repayment and loan renewal options, if your request is approved by the lender. If there are any terms or conditions you need to clarify, please check with your lenders to address all questions, we only can help you with relevant questions related to our service.
The most crucial thing that you should comprehend as a borrower is an implication of making late installments on your credit. Although every lender whom we work with has its own particular terms and conditions for the advances they offer, there are some late-installment repercussions that you ought to know before entering into a loan contract with the lender.
luxeloan.net is a free-of-charge platform which collects your personal details to submit for the lenders to review your loan requests. We do not relate to the reviewing process or address your loan-related questions, please contact your financial providers directly to clarify all the information. We try our best to connect you with the most suitable lender, however the approval decision will be fully determined by the lender.
By reading Privacy Policy and Terms of Use, you understand and consent that this Site collects personal details and shares with its third-party partners. Also, the links of third-party websites are presented on this Site. For any loan reasons, you should connect with a consultation specialist before deciding your loan.
How it works
1. Submit your information
Complete our simple, secure and fast online form in just few minutes.
2. Fast loan decision
Lenders will review your application and respond quickly if it is approved.
3. Check your account
Once your request is approved by lenders, the funds will be directly tranferred into your account in as soon as the lenders proceed your request.
