Terms of Use

Last updated: September 26, 2026 · Effective date: September 26, 2026

1. Acceptance of these Terms

These Terms of Use ("Terms") govern your access to and use of the Credit For Life website, operated by Credit for Life LLC ("Credit For Life," "we," "us"), and our free loan-matching service. By visiting our site or using the loan request form, you agree to these Terms. If you do not agree, do not use our site.

4. Eligibility

• You must be at least 18 years old and a resident of the United States to use our service.
• Availability of lenders, products, amounts and terms varies by state; not every product is available everywhere.
• You must provide accurate, current and complete information when you submit a request.

5. No guarantee of offers or terms

Using the loan request form does not guarantee that you will be matched with a lender, receive an offer, or be approved for any loan amount, rate or term. Lenders and partners set their own rates, terms and underwriting criteria and make their own independent decisions.

8. Accuracy of information; prohibited uses

You are responsible for the accuracy of the information you submit. You may not use our site to submit false or fraudulent information, submit another person's information without authorization, scrape or harvest data from our site, interfere with its operation, or use it for any unlawful purpose.

9. Intellectual property; informational content

The content, design and trademarks on our site belong to Credit For Life or its licensors and may not be copied or used without permission. Our educational content is provided for general information only and is not legal, financial, tax, or credit advice; consult a qualified professional for advice specific to your situation.

12. Dispute resolution: arbitration agreement, class-action waiver

This section applies to disputes with Credit For Life or Credit for Life LLC arising from these Terms or your use of our site. It does not govern disputes with our network partner, a lender, or any other third party, which are covered by that party's own agreement.

• Agreement to arbitrate. You and Credit for Life LLC agree that any dispute, claim or controversy arising out of or relating to these Terms or your use of our site will be resolved by binding, individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, and governed by the Federal Arbitration Act (FAA).
• Class-action and jury waiver. You and Credit for Life LLC each waive the right to a jury trial and to participate in a class, collective, or representative action. Claims must be brought individually and not as a plaintiff or class member in any purported class or representative proceeding.
• Mass-filing / batching. If 25 or more similar arbitration demands are filed against Credit for Life LLC by the same or coordinated counsel within a short period, the parties agree that such claims will be administered and heard in batches under the AAA's mass-arbitration or batching procedures then in effect, to allow for efficient and orderly resolution.
• Small-claims carve-out. Either party may instead bring an individual claim in small-claims court if it qualifies for that court's jurisdiction.
• Filing fees. Credit for Life LLC will pay consumer arbitration filing fees above the amount you would otherwise pay to file in court, consistent with the AAA's Consumer Arbitration Rules and Costs of Arbitration schedule.
• 30-day opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to Credit for Life LLC, 300 Harding Blvd #112, Roseville, CA 95678, or by email to [email protected], stating your name and that you opt out of arbitration. If you opt out, disputes will be resolved in the state or federal courts located in California, and you and we each waive any right to a jury trial to the extent permitted by law.
• Severability. If the class-action waiver is found unenforceable for a particular claim or remedy, that finding does not affect the enforceability of the rest of this arbitration agreement, which remains in force for all other claims and remedies.