Disclaimer

General Disclaimer

LoansTN.com ("the Site") is a free online loan matching service. We are not a lender, bank, or financial institution. We do not make credit decisions, approve loan applications, or disburse funds. Our service connects Tennessee residents with third-party lenders who may offer personal loans.

Not Financial Advice

The information on this website is for general informational purposes only and does not constitute financial, legal, or tax advice. We strongly recommend consulting with a qualified financial advisor, attorney, or tax professional before making any borrowing decisions. Every individual's financial situation is unique.

No Guarantee of Approval or Terms

Submitting a loan request through LoansTN.com does not guarantee:

• That you will receive any loan offers
• Approval for a loan at any specific amount, rate, or term
• That offers received will match advertised rate ranges
• Funding within any specific timeframe

All loan decisions are made exclusively by the lender. APRs typically range from 6.99% to 35.99% and depend on the borrower's credit profile, income, debt-to-income ratio, and the specific lender's underwriting criteria.

Tennessee Regulatory Information

Personal loans in Tennessee are regulated under the Tennessee Industrial Loan and Thrift Companies Act (TCA Title 45). The Tennessee Department of Financial Institutions (TDFI) is the state agency responsible for licensing and overseeing lenders operating in Tennessee.

If you have a complaint about a lender, you may contact TDFI directly at:

• Tennessee Department of Financial Institutions
• 312 Rosa L. Parks Avenue, 26th Floor
• Nashville, TN 37243
• Phone: (615) 741-2236
• Website: tn.gov/tdfi

Credit Score Impact

Checking your rate through LoansTN uses a soft credit inquiry that does not affect your credit score. However, if you accept a loan offer and complete a full application, the lender will perform a hard credit inquiry, which may temporarily lower your credit score by a few points.

APR Disclosure

Annual Percentage Rate (APR) represents the annualized cost of borrowing, including interest and applicable fees. The APR you receive depends on your credit score, loan amount, loan term, and the lender. Representative example: A $5,000 loan with a 36-month term at 15.99% APR would have monthly payments of approximately $176 and a total repayment of approximately $6,336.

Third-Party Lenders

LoansTN partners with multiple third-party lenders. Each lender has its own terms, conditions, and privacy practices. We encourage you to carefully review all loan documents and the lender's privacy policy before accepting any offer. LoansTN is not responsible for the actions, terms, or policies of third-party lenders.

Accuracy of Information

While we strive to keep all information on this website accurate and up to date, we make no warranties or representations about the completeness, accuracy, or reliability of the content. Rates, terms, and regulatory information may change without notice. Always verify current terms directly with the lender.

Contact

For questions about this disclaimer, contact us at [email protected].