Terms of Service

1. Acceptance of Terms

By accessing or using the Rate Check website or by contacting us by phone, you agree to be bound by these Terms of Service. You must be at least 18 years old and a resident of the United States to use our services.

2. Description of Service

Rate Check is a marketing platform that connects consumers with lending partners for debt consolidation products. Rate Check is not a lender, loan broker, or financial advisor.

Pre-approval is a preliminary screening based on limited information and does not constitute a guaranteed loan offer. Final terms, interest rates, and approval are determined solely by the lending partner based on their underwriting criteria.

3. No Guaranteed Offers

The amounts (up to $50,000) and rates (as low as 5.99%) referenced on this site represent potential maximums and minimums and are provided for illustrative purposes only. Actual loan amounts, interest rates, and terms vary based on your creditworthiness, income, debt-to-income ratio, and the lending partner’s criteria.

All loans are subject to credit approval and verification by the lending partner.

4. Credit Check Disclosure

Your initial rate check uses a soft credit inquiry, which does not affect your credit score.

If you choose to proceed with a formal loan application through one of our lending partners, a hard credit inquiry may be performed, which could affect your credit score.

5. Communications Consent

By submitting your information or contacting us, you consent to receive calls, text messages, and emails from Rate Check and our partners related to your inquiry. You may opt out at any time by following the instructions in any communication or by contacting us directly.

Standard message and data rates may apply. Consent to receive communications is not a condition of purchasing any product or service.

6. Telephone Consumer Protection Act (TCPA)

By providing your phone number, you agree that Rate Check and its partners may contact you using an automatic telephone dialing system or prerecorded voice messages for marketing and informational purposes. You may revoke consent at any time. Consent is not required as a condition of service.

7. Disclaimers

• Our services are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.
• We do not guarantee loan approval, specific interest rates, or any particular savings amount.
• We are not responsible for the decisions, actions, or loan terms of our lending partners.
• Nothing on this website constitutes financial, legal, or tax advice. Consult a qualified professional before making financial decisions.

8. Limitation of Liability

To the fullest extent permitted by law, Rate Check shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability shall not exceed the amount, if any, paid by you to Rate Check in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless Rate Check, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, or expenses arising from your use of the service, your breach of these Terms, or your violation of any applicable law.

10. Dispute Resolution and Arbitration

Any dispute arising from these Terms or your use of our services shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

Class action waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

You may opt out of arbitration by sending written notice within 30 days of first using our services. Claims eligible for small claims court may be filed there instead.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

12. Intellectual Property

All content, logos, trademarks, and materials on this website are the property of Rate Check or its licensors. No license is granted beyond personal, non-commercial viewing of the site.

13. Modifications

We reserve the right to update these Terms at any time. Material changes will be communicated through a notice on our website. Your continued use of the service after changes are posted constitutes acceptance of the revised Terms.

14. Contact Us

If you have questions about these Terms, contact us at: