WithU Loans Terms of Service

1. Acceptance of Terms

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.

2. Eligibility Requirements

To apply for a WithU Loan, you must:

• Be at least 18 years of age (19 in Alabama, 21 in Puerto Rico)
• Be a U.S. citizen or permanent resident with a valid Social Security Number
• Have a valid U.S. bank account capable of receiving ACH deposits
• Meet our minimum income and creditworthiness requirements
• Not be in active bankruptcy proceedings
• Reside in a state in which WithU Loans is licensed to lend

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.

3. Loan Terms & Agreement

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:

• Authorize WithU Loans to perform a hard credit inquiry
• Authorize ACH debit for scheduled monthly payments
• Agree to repay the loan according to the stated schedule
• Acknowledge receipt of all required federal and state disclosures

4. Interest Rates & Fees

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:

• Origination Fee: 0–3% on qualifying business loans. No origination fee on most personal loans.
• Late Fee: Up to $15 or 5% of the scheduled payment (whichever is greater) after a 10-day grace period.
• NSF Fee: $15 per returned payment.
• Prepayment Penalty: $0. You may pay off your loan at any time without penalty.

All fees are disclosed in your Loan Agreement before you sign. There are no fees beyond those listed in your Loan Agreement.

5. Borrower Obligations

As a our borrower, you agree to:

• Make all payments on or before their due dates
• Notify us promptly of any change in your address, phone number, or email
• Notify us if you experience a material change in financial circumstances
• Maintain an active bank account for payment processing
• Use loan proceeds only for the stated purpose in your application
• Not assign or transfer your loan obligations to a third party without consent

6. Default & Collections

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:

• Accelerate the full outstanding balance, making it immediately due
• Report the default to all major credit bureaus
• Refer the account to a collections agency or pursue legal action
• Assess applicable default fees as stated in your Loan Agreement

We encourage borrowers experiencing financial hardship to contact us before defaulting. Our hardship program may offer payment deferrals or restructured terms.

7. Disclaimers & Limitations

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.

8. Governing Law & Dispute Resolution

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.