Welcome to tripointlendings.com, operated by Tripoint Lending ("we," "us" or "our"). By accessing the website or submitting a loan request, you agree to these Terms of Use. If you do not agree, please do not use the site or our service. Last revised: see the date shown on this page.
Description of Our Service
Tripoint Lending provides a free loan-connection service that shares your loan request with independent lenders in our network who may offer personal loans from $500 to $5,000.
We are not a lender, broker or financial adviser. We do not make credit decisions, fund loans, set rates or fees, or service accounts. Lenders decide independently whether to make an offer and on what terms. Not every request receives an offer, and receiving an offer does not mean final approval. Using the service creates no obligation to accept any offer.
Eligibility to Use the Service
Tripoint Lending's service is available only to U.S. residents who are at least 18 years old, or the age of majority in their state, and who can form a binding contract.
You must have a valid email address and phone number, a verifiable source of income, and an active U.S. bank account to submit a request. Individual lenders set their own additional criteria, and availability varies by state. Our eligibility page outlines typical requirements.
Your Responsibilities
Users of Tripoint Lending agree to provide accurate, complete and current information, to use the service only for lawful personal purposes, and to keep their own information secure.
- Submit requests only for yourself, using your own identity and accounts.
- Do not provide false, misleading or someone else's information.
- Do not attempt to disrupt, scrape, reverse engineer or overload the website.
- Do not use the site to send spam, malware or unlawful content.
- Review every loan agreement carefully before signing and borrow only what you can repay.
We may suspend or refuse access to anyone who violates these terms or whose activity appears fraudulent.
Consent to Credit Check and Information Sharing
Submitting a request authorizes Tripoint Lending to obtain a soft credit inquiry about you and to share your information with lenders in our network and our service providers.
A soft inquiry does not affect your credit score. A lender may run a hard inquiry if you accept an offer and continue. You also agree that we and lenders may contact you by email, phone or text about your request, as described in our privacy policy. You may opt out of marketing messages at any time.
Your Relationship With Lenders
Any loan you accept is a contract solely between you and the lender, governed by that lender's agreement, policies and applicable law, and Tripoint Lending is not a party to it.
Lenders are responsible for their offers, disclosures, fees, collection practices and customer service. Questions about payments or your account must go to the lender. Lenders pay us compensation for connections, which may affect which offers you see or their order but not lender credit decisions, as explained in our advertiser disclosure.
Intellectual Property
Tripoint Lending owns or licenses all content on this website, including text, guides, graphics, logos, the calculator and site design, which are protected by U.S. copyright and trademark laws.
You may view and print pages for your personal, non-commercial use. You may not copy, republish, modify, sell or distribute our content, or use our name or logo, without our written permission.
Disclaimers
Tripoint Lending provides the website and service "as is" and "as available," without warranties of any kind, and our guides are general information, not financial, legal or tax advice.
Rates, payments and terms shown on the site are estimates. Your actual APR, fees and terms depend on the lender, your credit and your income. We do not warrant that the site will be uninterrupted or error-free, that any lender will make an offer, or that any offer will suit your needs. Consider speaking with a qualified professional about your situation.
Limitation of Liability
To the fullest extent permitted by law, Tripoint Lending is not liable for indirect, incidental, special or consequential damages arising from your use of the site, the service or any lender's products.
This includes losses related to a lender's decision, terms, conduct or failure to fund. Our total liability for any claim relating to the service will not exceed one hundred U.S. dollars. Some states do not allow certain limitations, so parts of this section may not apply to you.
Indemnification
Users agree to defend and hold harmless Tripoint Lending and its staff from claims arising out of false information they submit, their misuse of the site, or their violation of these terms.
Governing Law and Disputes
California law governs these Terms of Use, without regard to its conflict-of-law rules, together with applicable federal law, and disputes are heard in Sacramento County courts.
Before filing any claim, you agree to contact us first so we can try to resolve the issue informally. Any dispute that cannot be resolved will be handled in the state or federal courts located in Sacramento County, California, unless applicable law requires otherwise.
Changes to These Terms
Tripoint Lending may update these Terms of Use from time to time, and the revised terms take effect when they are posted on this page.
Continuing to use the site after changes are posted means you accept the revised terms. If any provision is found unenforceable, the remaining provisions stay in effect.
Contact Information
Questions about these Terms of Use can be sent to Tripoint Lending at [email protected], by phone at (888) 640-0170, or by mail.
Our mailing address is 8070 Lakeview Court, Suite 746, Sacramento, CA 95814. Email is the fastest option, and we usually reply within one business day.