Terms & Conditions

This website has one job: to put you in touch with a personal loan lender that works with situations like yours. Debt Clearing Hub gives you a limited, non-exclusive, non-transferable permission to use it for that purpose. In return, please don’t:

• Overload or disrupt our servers and systems, or try to break into them or the networks connected to them
• Enter any account, restricted area or system that you haven’t been given permission to use
• Copy, scrape or reuse our content for commercial purposes without our written consent
• Upload malware or spam, or post anything unlawful, harmful or abusive
• Use bots or other automated tools to submit requests, or to interact with the site in a misleading way

If you break these rules, we may suspend or end your access at any time, at our discretion and without notice.

Debt Clearing Hub is a marketing website. We are not a lender, a loan broker, a law firm, a debt settlement company or a credit counseling agency. We don’t set the rate or terms of any loan, and we have no say in whether a lender approves you. What we do is introduce you to a personal loan lender that works with situations like yours, so you can speak with them directly, without extra go-betweens.

Sending a request through this site doesn’t create a loan, and it doesn’t oblige any lender to make you an offer. From that point on, every decision belongs to the lender alone: whether to offer you a loan, at what rate and on what terms, and how it is structured, all under the lender’s own underwriting rules and the laws that apply to it.

Everything on this site, including any articles, tools and guides, is offered as general information and is not advice. None of it is financial, legal, tax or credit counseling advice. Before you take on a new loan or make any major financial decision, speak with a qualified professional who understands your full situation.

We work to keep our content accurate and current, but Debt Clearing Hub gives no warranty, express or implied, about its accuracy, completeness or fitness for any purpose. Whatever you decide to do based on this site, you do at your own risk.

Any rate, amount or example scenario that appears on this site is an illustration only. It is not a promise, and it doesn’t show what a particular lender will offer you or whether you will qualify. What a lender proposes, if anything, depends on its own review of your credit, income and circumstances once you are connected.

• Examples and illustrations are there to explain, and nothing shown here is guaranteed
• Not every lender offers every loan product, and terms differ by lender and by state
• Checking your options generally starts with a soft inquiry, which doesn’t affect your credit score. A full application, and any hard inquiry that comes with it, is a separate step that your lender will walk you through directly
• A new loan is a real financial commitment. As with any loan, missed payments can bring fees, added interest, collection activity or damage to your credit
• Approval, rate and terms are decided solely by the lender you are connected with, using its own underwriting criteria
• Any loan you accept is governed by that lender’s own terms and by applicable state and federal law

This site links to, and works alongside, personal loan lenders, service providers and other outside websites. Debt Clearing Hub isn’t responsible for their accuracy, practices, security or content. Any agreement you make with a lender is between you and that lender alone.

Before you accept any offer, take the time to read the lender’s own terms, fees and privacy policy.

To the fullest extent the law allows, Debt Clearing Hub and its officers, directors, employees, agents and successors are not liable for any indirect, incidental, punitive, special or consequential damages, including lost revenue or data, arising from:

• Your use of this website, or being unable to reach it
• Decisions you make based on information found on this site
• Unauthorized access to your personal information
• The conduct, content or actions of a lender you are connected with, or of any other third party
• Technical errors, service interruptions or system outages

These terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-law rules. Any dispute arising out of or relating to these terms will be decided exclusively by the courts of Davidson County, Tennessee.

We may update these terms from time to time. If you keep using the site after an update, you accept the revised version. The current terms are always posted on this page.

Have a question about these terms, or about anything else? Here is how to reach us: