Terms & Conditions

By accessing or using the America Funding Solutions website and loan application services (collectively, the "Services"), you confirm that you are at least 18 years of age, a legal resident of the United States, and that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree to these terms, you must discontinue use of our Services immediately. These Terms & Conditions constitute a legally binding agreement between you ("Applicant" or "User") and America Funding Solutions ("Company," "we," "us," or "our"). We reserve the right to modify these terms at any time, and your continued use of the Services following any changes constitutes your acceptance of the revised terms.

Submitting a loan application through our platform does not guarantee loan approval or funding. All applications are subject to review, verification, and credit assessment. By submitting an application, you authorize America Funding Solutions to: • Verify the accuracy of all information provided in your application • Obtain consumer credit reports from one or more credit reporting agencies • Contact you via phone, email, or mail regarding your application status • Share your application data with affiliated lending partners for processing purposes You agree to provide accurate, complete, and current information in your application. Providing false or misleading information is grounds for immediate application denial and may constitute fraud under applicable federal and state laws.

To be eligible for loan consideration through America Funding Solutions, applicants must meet the following minimum requirements: • Be at least 18 years of age (19 in Alabama and Nebraska) • Be a U.S. citizen or permanent resident with a valid Social Security Number • Have a verifiable source of income • Possess a valid government-issued photo identification • Have an active bank account in good standing • Not be currently involved in bankruptcy proceedings Meeting these minimum requirements does not guarantee loan approval. Additional criteria may apply based on loan type, amount requested, and applicable state regulations.

As part of the loan application process, you will be required to provide sensitive personal information including but not limited to your full legal name, Social Security Number (SSN), date of birth, physical address, contact information, and government-issued identification documents. You consent to our collection, use, and processing of this information for the purposes of identity verification, credit assessment, fraud prevention, and regulatory compliance. We employ industry-standard encryption and security protocols to protect your personal data. Please review our Privacy Policy for complete details on how your information is collected, used, and protected. By submitting your government-issued ID documents, you certify that the documents are genuine, unaltered, and belong to you. Submission of fraudulent identification documents is a federal crime.

Approved loans are subject to specific terms and conditions outlined in your individual Loan Agreement, which will be provided prior to funding. Key terms include: • Loan Amount: Subject to creditworthiness and state regulations • Interest Rate (APR): Disclosed in your Loan Agreement; rates vary based on credit profile and loan term • Repayment Schedule: Monthly installments as specified in your Loan Agreement • Prepayment: You may prepay your loan at any time without penalty unless otherwise specified • Late Payments: Late fees may apply as outlined in your Loan Agreement; late payments may be reported to credit bureaus • Default: Failure to make timely payments may result in collection actions, additional fees, and negative credit reporting All loan terms are subject to applicable federal and state lending laws and regulations.

America Funding Solutions does not charge application fees for submitting a loan application. However, approved loans may be subject to the following fees as disclosed in your Loan Agreement: • Origination Fee: A one-time fee deducted from the loan proceeds (if applicable) • Late Payment Fee: Charged when a payment is received after the due date • Returned Payment Fee: Charged for returned or dishonored payments • Prepayment Penalty: Not applicable unless specifically stated in your Loan Agreement All applicable fees will be clearly disclosed in your Loan Agreement before you accept the loan. You are not obligated to accept any loan offer.

You agree not to use our Services for any unlawful purpose or in any manner that could damage, disable, or impair our platform. Specifically, you are prohibited from: • Submitting false, fraudulent, or misleading information in any application • Using another person's identity or information without authorization • Attempting to circumvent our security or verification systems • Using loan proceeds for illegal activities • Engaging in any activity that violates applicable federal, state, or local laws • Attempting to access unauthorized areas of our systems or data Violation of these prohibitions may result in immediate termination of your application, reporting to law enforcement authorities, and civil or criminal liability.

All content on the America Funding Solutions website, including text, graphics, logos, images, and software, is the property of America Funding Solutions or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on our platform without our express written consent. The America Funding Solutions name, logo, and all related marks are trademarks of America Funding Solutions. Unauthorized use of our trademarks is strictly prohibited.

To the maximum extent permitted by applicable law, America Funding Solutions shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Services, including but not limited to loss of profits, data, or goodwill. Our total liability to you for any claims arising from your use of the Services shall not exceed the amount of fees paid by you to America Funding Solutions in the twelve (12) months preceding the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

These Terms & Conditions are governed by the laws of the United States and the state in which you reside, without regard to conflict of law principles. Any disputes arising from these terms or your use of our Services shall first be subject to good-faith negotiation between the parties. If a dispute cannot be resolved through negotiation, it shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. You waive any right to participate in class action lawsuits or class-wide arbitration. Nothing in this section prevents either party from seeking injunctive or other equitable relief from a court of competent jurisdiction.

If you have questions about these Terms & Conditions or our Services, please contact us: America Funding Solutions Email: legal@americafundingsolutions.com Phone: 1-800-AFS-LOAN Hours: Monday – Friday, 9:00 AM – 6:00 PM EST For loan application inquiries, please use the Application Status page or contact our support team directly.