Last Updated: 23 July 2025
These Terms of Use govern your access to and use of the CLEAR CREDIT ONLINE website (referred to herein as “CLEAR CREDIT ONLINE”, “we”, “us”, or “our”) and the loan connection services it provides (collectively, the “Service”). By using or accessing the Service, you acknowledge and accept these Terms and Conditions as binding.
Eligibility and Restrictions
To use our Service to request a loan, you must:
- Be 18 years of age or older
- Be a lawful resident of the United States
You also agree not to utilize this Service for any illegal or unauthorized activities.
Use of Service
You are not charged any fees by CLEAR CREDIT ONLINE for using this Service. We do not serve as an agent for you, any lender or lending partner, or any third-party service provider or vendor involved in evaluating your loan request or otherwise interacting with this Service. CLEAR CREDIT ONLINE may be compensated by lenders, lending partners, or other third parties for the services we render to them, whether or not those services are directly related to your use of the Service.
Services and Products Offered
CLEAR CREDIT ONLINE is not a lender and holds no responsibility for any lending decisions made about you or any loan product you may be offered. All loan offers are exclusively provided by independent third-party lenders. Likewise, any other services or products accessible through this Service are offered solely by their respective vendors or service providers, who remain entirely responsible for them.
Providing your information through this Service does not ensure that you will be approved for a loan, connected with a lender, or offered the total amount you requested. Additionally, you are not obligated to accept any loan offer presented to you after being connected with a lender.
Loan Inquiry Policy
CLEAR CREDIT ONLINE retains the right to decline any inquiry submitted through the Service, for reasons permitted by law. In some cases, additional documentation or identity verification may be necessary before your submission can be processed.
By providing your information via the Service, you authorize us to share it with lenders or lending partners whose criteria you may meet. This does not indicate that your loan has been approved.
CLEAR CREDIT ONLINE does not participate in the decision-making process regarding your loan request. All approval or denial decisions are made exclusively by the lender or lending partner reviewing your information.
You acknowledge and agree that if no lender or lending partner is able to offer the specific loan you requested, we may attempt to connect you with a provider offering a different loan product that may better align with your profile.
E-sign Consent
By clicking “Submit Loan Request” (or any other button that submits your form), you consent to this action serving as your electronic signature. You authorize CLEAR CREDIT ONLINE and any affiliated lenders or partners to communicate with you electronically, including sending required disclosures such as notices of adverse action. Additionally, you confirm that you have the capability to access electronic documents, including viewing and saving PDF files.
Credit Authorization
You expressly authorize CLEAR CREDIT ONLINE and its affiliated partners to:
- Access your credit and consumer information from credit reporting agencies including TransUnion, Experian, and Equifax
- Utilize this information to verify your identity and perform debt-to-income assessments.
- Disclose your information to lenders and service providers to facilitate credit evaluations and prequalification processes.
SMS Marketing
By submitting your information through this Service, you are voluntarily enrolling in mobile marketing and expressly consent to receive SMS communications from CLEAR CREDIT ONLINE, its affiliates, and authorized third-party partners. You acknowledge that standard message and data rates may apply depending on your mobile carrier and service plan, and you accept sole responsibility for any such charges.
You further acknowledge and agree to the following:
- By intentionally and expressly requesting CLEAR CREDIT ONLINE, its affiliates, and third-party partners to contact you via SMS, you waive any right to file complaints with the FTC, FCC, or any other federal or state regulatory agency regarding these messages.
- Your opt-in to receive SMS messages from CLEAR CREDIT ONLINE, its affiliates, and third-party partners supersedes any listing your number may have on corporate, state, or federal Do-Not-Call or Do-Not-Contact registries.
- You may opt out of SMS messages from any sender individually by following the opt-out instructions provided in the text messages. Requests to unsubscribe from CLEAR CREDIT ONLINE messages will be honored and added to our internal Do-Not-Contact list within ten (10) days of receipt.
- Opting out of CLEAR CREDIT ONLINE communications does not affect SMS messages sent by third parties. You will need to unsubscribe from each third party directly.
- If you submit your information again at a later time, you agree to re-enroll in SMS marketing from CLEAR CREDIT ONLINE, its affiliates, and third-party partners.
By participating, you confirm that you are at least 18 years of age and that you are the authorized user of the mobile number submitted, with the ability to incur any associated charges.
Email Marketing
By supplying your email address, you agree to receive transactional and marketing communications from CLEAR CREDIT ONLINE, its network of lenders, affiliates, and other third-party partners.
Third-Party Content
This website may contain links to third-party websites. CLEAR CREDIT ONLINE is not liable for the content, policies, or actions of these external sites and does not endorse or guarantee the products or services they provide.
Privacy
Your use of this Service is governed by the CLEAR CREDIT ONLINE Privacy Policy, which is hereby incorporated by reference. The Privacy Policy explains your rights and our obligations concerning your personal data. We may update the Privacy Policy at any time without prior notice, and by continuing to use the Service, you agree to any such changes.
Security
We employ industry-standard technology and security measures to safeguard your personal information; however, we cannot guarantee—and you should not expect—that your personal data, searches, or communications will always be fully secure or free from interception or decryption by unauthorized parties. CLEAR CREDIT ONLINE assumes no liability for any such breaches. For more details on how we protect your information, please see our Privacy Policy.
Legal Compliance
You agree to abide by all relevant laws, regulations, statutes, and ordinances that apply to your use of this Service and any third-party products or services accessed through it.
We reserve the right to take the following actions:
- Investigate any suspected breach of our Terms of Use or Privacy Policy
- Temporarily or permanently restrict access to the Service while an investigation is underway
- Remove data from our systems to prevent ongoing or future violations
- Report suspected or confirmed illegal activity to appropriate legal or regulatory authorities
You agree to fully cooperate with any such investigations. You understand that failure to comply with these Terms of Use or our Privacy Policy may lead to civil or criminal consequences.
Intellectual Property
All materials on this website—including but not limited to trademarks, text, graphics, software, and images—are owned by CLEAR CREDIT ONLINE or its licensors. You are permitted to view and print content solely for your personal use in relation to submitting a loan request. Any reproduction, distribution, or public display of this content without prior written consent is strictly prohibited.
Limitation of Liabilities and Warranties
THIS SERVICE, ALONG WITH ALL INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES RELATED TO IT, IS OFFERED ON AN “AS IS” BASIS. CLEAR CREDIT ONLINE MAKES NO EXPRESS OR IMPLIED WARRANTIES RELATED TO THE SERVICE AND ITS CONTENT, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE.
CLEAR CREDIT ONLINE MAKES NO PROMISES OR GUARANTEES ABOUT ANY PARTICULAR OUTCOME RESULTING FROM YOUR USE OF THIS SERVICE OR ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES OFFERED THROUGH IT. YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE SERVICE.
TO THE FULLEST EXTENT ALLOWED BY LAW, CLEAR CREDIT ONLINE, ALONG WITH ITS NETWORK OF LENDERS, ADVERTISERS, AND EACH OF THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUBSIDIARIES, SUCCESSORS, ASSIGNS, CONTENT SUPPLIERS, AND SERVICE PROVIDERS, SHALL NOT BE HELD RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY OTHER FORM OF LOSS THAT MAY RESULT FROM OR RELATE TO:
- YOUR USE OF OR ACCESS TO THIS SERVICE AND/OR ANY SERVICES PROVIDED BY CLEAR CREDIT ONLINE;
- ANY INTERRUPTION, DELAY, OR FAILURE IN ACCESSING OR UTILIZING THE SERVICE;
- ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES YOU RECEIVE THROUGH THIS SERVICE, OR THAT RESULT FROM YOUR USE OF IT;
- ANY OTHER CIRCUMSTANCE ARISING FROM YOUR USE OF THIS SERVICE IN ANY FORM.
WHETHER ARISING IN WHOLE OR IN PART FROM BREACH OF CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF CLEAR CREDIT ONLINE OR ITS PARTICIPATING LENDERS WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
SOME STATES DO NOT ALLOW LIMITATIONS ON LIABILITY OR DISCLAIMERS OF IMPLIED WARRANTIES, SO THE ABOVE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. IN THOSE STATES, THE LIABILITY OF CLEAR CREDIT ONLINE, ITS PARTICIPATING LENDERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, AND SERVICE PROVIDERS IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Indemnity
By using this Service, you agree to protect and hold harmless CLEAR CREDIT ONLINE, its affiliates, staff, service providers, and partners involved in delivering the Service from any claims, damages, liabilities, losses, costs, or expenses (including legal fees) that may arise from your use or attempted use of the Service or any breach of these Terms of Use.
Disputes and Legal Terms
Governing Law and Jurisdiction
These Terms of Use are governed by and interpreted under the laws of Delaware, without considering its conflict of law rules. You agree that any disputes or legal claims arising from these Terms of Use, the Privacy Policy, or the Service will be resolved based on Delaware law.
Binding Arbitration
You agree that any disputes related to these Terms of Use or the Service will be resolved through binding arbitration administered by the American Arbitration Association (AAA) in your county of residence by submitting a Demand for Arbitration. The arbitrator will have exclusive authority to settle the dispute and rule on all issues, including the validity and enforceability of these Terms of Use. The arbitrator’s decision will be final and binding on all parties involved.
In any arbitration or legal proceeding allowed under these Terms of Use, the winning party will be entitled to recover costs related to the arbitration, including travel expenses, expert witness fees, and any other reasonable expenses incurred in pursuing or defending the claim, from the other party, unless prohibited by law.
Class Action Waiver
To the fullest extent allowed by law, you agree that any legal action must be brought individually and not as part of a class, consolidated, representative, or mass proceeding.
You explicitly waive your right to initiate or participate in any class action, mass arbitration, or collective claim against CLEAR CREDIT ONLINE, its affiliates, service providers, participating lenders, or any related parties.
These Terms of Use do not waive your right to pursue claims individually through binding arbitration as described above, rather than as part of a class action. The clause preventing class action lawsuits is a separate agreement. You may opt out of these Dispute Resolution provisions by submitting written notice within thirty (30) days from the date you first access or use this Service.
REGARDLESS OF YOUR OPT-OUT CHOICE, BY ACCEPTING THESE DISPUTE RESOLUTION TERMS, YOU ACKNOWLEDGE AND AGREE THAT YOU WAIVE ANY RIGHT TO:
- A JURY TRIAL,
- PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN A CLASS ACTION LAWSUIT OR MULTI-PARTY ARBITRATION AGAINST US, OUR AFFILIATES, OR SERVICE PROVIDERS INVOLVED IN PROVIDING THE SERVICE.
YOU AGREE THAT ANY CLAIMS AGAINST US MUST BE BROUGHT SOLELY ON AN INDIVIDUAL BASIS.
NO ARBITRATION OR LEGAL PROCEEDING MAY BE CONSOLIDATED OR JOINED WITH OTHERS WITHOUT THE PRIOR WRITTEN AGREEMENT OF ALL PARTIES INVOLVED.
THIS CLASS ACTION WAIVER MAY BE SUBJECT TO LIMITATIONS UNDER APPLICABLE LAW, BUT IT IS INTENDED TO BE ENFORCED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Indemnification
You agree to indemnify, defend, and hold harmless CLEAR CREDIT ONLINE, along with its affiliates, officers, directors, employees, agents, and service providers, from any claims, demands, damages, liabilities, losses, costs, or expenses (including reasonable attorneys’ fees and arbitration costs) that arise from or relate to your use or attempted use of the Service, any violation of these Terms of Use, or any infringement of third-party rights by you.
Modifications to Terms
CLEAR CREDIT ONLINE reserves the right to revise or change these Terms of Use at any time without prior notice. By continuing to use the Service following any updates, you agree to be bound by the revised Terms. It is your responsibility to review the Terms periodically to stay informed of any changes.
Termination of Use
CLEAR CREDIT ONLINE reserves the right, at its sole discretion and without prior notice, to suspend or terminate your access to the Service at any time if we believe you have violated these Terms of Use, applicable laws, or behaved in a way that is harmful, offensive, or inconsistent with the purpose of the Service.
Disclosures
Not a Lender Disclaimer
CLEAR CREDIT ONLINE is not a lender, loan broker, financial institution, or agent for any loan broker or lender. We have no role in making lending decisions or determining whether you qualify for a loan. All approvals and eligibility assessments are handled exclusively by independent third-party lenders.
Our service is provided at no cost and without any obligation, simply connecting potential borrowers with lenders who may offer loan options.
Advertiser Disclosure
CLEAR CREDIT ONLINE receives compensation from lenders and lending partners who, using their own criteria, determine if a potential borrower fits their lending requirements. This compensation, usually in the form of referral fees, can affect which loan offers are shown to you.
The offers you see may come from the lending partner who has paid the highest referral fee for your information. Therefore, the loans presented might not always have the lowest interest rates or the most favorable terms. CLEAR CREDIT ONLINE does not guarantee that you will receive the best possible rates or offers.
Additionally, not all lenders or financial products available on the market are featured on this site. We encourage you to explore all your options and independently compare loan offers to find the best fit for your financial situation.
Tribal Lending Disclosure
In some instances, you might be connected with a Tribal Lending Enterprise (“TLE”), which is owned and operated by a federally recognized Native American tribe. TLEs are governed by tribal and certain federal laws and often claim sovereign immunity from state regulations, including those that govern interest rates and other loan terms.
If a TLE offers you a loan, please note that:
- The interest rates and fees could be considerably higher than those from state-licensed lenders.
- You might be required to settle any disputes within a tribal jurisdiction instead of your home state.
We strongly advise you to thoroughly review all loan terms, including repayment requirements, dispute resolution processes, and relevant laws. Only accept loan terms that you fully understand and are confident you can meet.
Lending Partner’s Disclosure
When a lender decides to offer you a loan, they must legally provide clear documentation outlining all relevant terms, such as:
- Interest rates
- Total repayment amounts
- Fees (including any late payment charges)
- Conditions for refinancing, renewing, or rolling over the loan, where allowed by law
The specific loan terms are established solely by the lender or financial service provider according to their internal policies, underwriting standards, and applicable laws. CLEAR CREDIT ONLINE does not have any influence over or control of the terms or conditions of the loan offers presented to you.
Financial Difficulty & Late Payment Warning
Missing a payment or making a late payment can lead to negative consequences, such as:
- Damage to your credit score
- Additional fees or penalties
- Possible collection efforts by the lender
We strongly encourage you to accept only loan terms that you can reasonably afford. If you foresee trouble making a payment, please contact your lender right away to explore available options. Borrowing responsibly is key to preserving your financial well-being.
If you are facing significant financial challenges, consider alternative solutions or consult a professional financial advisor for guidance.
Site Visit Recording
This website employs Site Visit Recordation Technology, which may involve third-party services like Jornaya’s LeadiD, to capture and verify your interactions on the site. By submitting your information here, you agree to this type of session tracking and recording for purposes of verification and compliance.
Miscellaneous
These Terms of Use, together with our Privacy Policy, form the complete agreement between you and CLEAR CREDIT ONLINE concerning your use of this website. If any part of these Terms is deemed unenforceable, that section will be removed while the rest of the Terms remain fully effective.
Section titles are provided for convenience and do not influence the interpretation of these Terms. No waiver by CLEAR CREDIT ONLINE of any right or provision shall be considered a continuous waiver of that or any other provision.
Contact Information
For any questions or concerns regarding these Terms of Use, please reach out to us through our Contact Page.
PLEASE BE ADVISED THAT FOR INQUIRIES ABOUT YOUR LOAN REQUEST STATUS, YOU MUST CONTACT YOUR LENDER OR LENDING PARTNER DIRECTLY. CLEAR CREDIT ONLINE IS NOT A LENDER OR LENDING PARTNER AND DOES NOT HAVE ACCESS TO INFORMATION ABOUT YOUR LOAN APPROVAL OR STATUS.