Please read these terms carefully before using WithU Loans services. They govern your use of our website and lending products.
⚠️ Important Rate Disclosure: WithU Loans offers loans with APRs ranging from 4.99% to 35.99%. Your actual rate depends on creditworthiness, income, loan amount, and term. All loan approvals are subject to credit review. These terms are governed by applicable federal and state law.
By accessing withuloansfinancing.com or submitting a loan application, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services. WithU Loans reserves the right to modify these Terms at any time, with changes effective upon posting. Continued use of our services constitutes acceptance of any modified Terms.
To apply for a WithU Loan, you must:
the lender reserves the right to verify all information provided in your application and to decline applications that do not meet our underwriting criteria. Providing false or misleading information in an application may constitute fraud and could result in legal action.
All loans are subject to a separate Loan Agreement, which constitutes the binding contract for your specific loan. The Loan Agreement will specify the exact loan amount, interest rate, APR, monthly payment, total repayment amount, origination fees (if any), and all other material terms.
By signing your Loan Agreement, you:
All WithU Loans products carry fixed interest rates. Once your loan is funded, your APR will not change for the life of the loan. Applicable fees include:
All fees are disclosed in your Loan Agreement before you sign. There are no fees beyond those listed in your Loan Agreement.
As a our borrower, you agree to:
A loan is considered in default if a payment is more than 30 days past due, if you provide materially false information in your application, or if you file for bankruptcy. In the event of default, WithU Loans may:
We encourage borrowers experiencing financial hardship to contact us before defaulting. Our hardship program may offer payment deferrals or restructured terms.
this website content is provided for informational purposes only and does not constitute financial, legal, or tax advice. While we employ certified financial advisors, individual loan consultations are not a substitute for advice from your personal financial or legal advisor.
WithU Loans is not responsible for decisions you make based on general content published on this website. All loan-specific advice is based on information provided by the borrower and is subject to the terms of your individual Loan Agreement.
These Terms of Service are governed by the laws of the State of Texas, without regard to conflict of law principles. Any dispute arising from these Terms or your use of WithU Loans services shall first be submitted to non-binding mediation. If mediation is unsuccessful, disputes shall be resolved by binding arbitration under the American Arbitration Association rules, unless prohibited by applicable state law.
For questions about these Terms of Service, contact [email protected] or write to: WithU Loans Legal Department, 1200 Financial Plaza Suite 300, Austin, TX 78701.