The 15M Finance Platform is NOT a lender or a legal representative of any lending company functioning on the US territory. The 15M Finance Platform doesn’t make any credit decisions upon online loan applications or other types of requests.
The company isn’t involved in the lending process, and it isn’t considered a third party. The information published on our website doesn’t represent any specific quote from a particular lender. Each of our lending partners has its loan costs and offers to share. Thus, the 15M Finance Platform doesn’t publish exact loan offers. We provide only general information about the loan services of our network of direct lending companies.
The 15M Finance Platform is only an advertising referral service and a connecting platform between users (known as potential borrowers) and direct loan providers. Our service is 100% free of charge and doesn’t have any additional costs for online applications.
Also, we don’t regulate interest rates or repayment terms. Only direct lenders are responsible for these legal implications regulated by each US state. The 15M Finance Platform is not responsible for lenders’ actions regarding lending regulations.
The 15M Finance Platform together with its lending partners does not guarantee loan approval. It remains at lenders’ discretion. The published information aims to increase the potential borrower’s approval chances. It is the potential borrower’s responsibility to read and understand this information and make a weighted decision regarding their lending needs and abilities to repay the debts.
Loan services are NOT available in ALL US states. Before submitting a loan request form, the user (known as a potential borrower) should check the list of states where legal lending is available.
Data Security Clause:
There is no obligation to use our website to apply for a loan product. But if a potential borrower decided to use this service, the 15M Finance Platform transfers all the personal information to legal and verified lenders according to our Terms of Use and Privacy Policy. The 15M Finance Platform together with its lenders uses encrypted technology to secure the personal data of users.
Credit Check Clause:
Lenders might perform soft or hard credit checks to verify potential borrowers’ creditworthiness. The 15M Finance Platform doesn’t perform these verifications and doesn’t initiate them. It remains only at a particular lender’s discretion. Lending companies are free to use credit reports from major credit bureaus to decide on loan approval.
Short-term Borrowing Implications:
Short-term borrowing is designed only as a short-term financial solution, and shouldn’t be perceived as a long-term solution. This type of borrowing involves certain costs that may cause debt cycles and long-term financial issues. It is the potential borrower’s responsibility to evaluate all the potential risks A borrower may and should consult a financial expert before making a borrowing decision.
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