Terms & Conditions

NOTICE: If you do not agree to Willow Loans’ Terms of Use and Service, please refrain from using this website or any of its services. As a result of your use of the services provided by Willow Loans, you will be required to fill out and submit an application. Whether using the website or company services, you certify that all information you provide in connection with your use of the website and company services will be complete, current, and accurate.

NOTICE: Here at Willow Loans, we comply with the Patriot Act and are imbued by law to utilise your personal information to confirm your identity. By submitting the applications on this website, you are providing express consent under the Fair Credit Report Act for participating lenders, to whom you are referred, to obtain consumer report information from your credit profile or other information from any contracted Credit Bureau. By submitting the applications, you agree to allow participating lenders and partners review, research, verify and evaluate all information on your credit application. Willow Loans may share consumer application information with one or more third parties, such as lenders or marketing partners, in an attempt to match consumers with lenders. Willow Loans provides no guarantee that any lender or consumer will be matched or that a consumer’s application will receive lender approval. Further to this, Willow Loans makes no guarantee as to the amounts of funds that may be extended to a consumer if a consumer’s application is approved by a lender.

NOTICE: By agreeing to the terms of use of this website, you and Willow Loans agree that disputes relating to the use of these Terms, the website, or the Services could be decided in a court by a judge or jury, but will be resolved by binding, neutral arbitration.

Relationship and Obligation

You understand and agree that Willow Loans is neither party to, nor involved, in any contract or contracting between any consumer and any lenders or marketing partners. All rights and obligations with regard to loans are solely the responsibility of you and any lenders or marketing partners. Willow Loans does not guarantee or otherwise represent the quality, completeness, reliability, accuracy, safety, usefulness or legality of any requested or offered loans, a consumer’s ability to repay loans, or a lender’s ability to deliver loans. Willow Loans makes no guarantee that a lender-borrower relationship will develop at any time between lenders and consumers. Performance and enforcement of rights under any contracts established between consumers and lenders or marketing partners is the responsibility of the involved parties, not to include Willow Loans.

Prohibited Uses

Your access to and use of the website and the services has certain restrictions imposed by Willow Loans. Civil and/or criminal liability may be sought for any violation of any restrictions imposed by the Terms of Use and Service.

You shall not:

(a) Violate any features designed for the security of the website or its services
(b) Duplicate or copy, in any way, any portion of the website (including without limit code, information, designs, images, drawing, photographs, typefaces, text, graphics, movies, videos, products, or any files) or any arrangement, selection, or organization thereof (collectively, “Company Content”)
(c) Use any software that enables the duplication or copying of Company Content for viewing off-line
(d) Display, distribute, transmit, modify, repost, reuse, or resell Company Content in any electronic form existing now or in the future without prior written consent of Willow Loans
(e) Provide inaccurate, misleading, or false information to Willow Loans or its lenders and partners
(f) Impersonate any person or entity, or otherwise misrepresent any connection, affiliation or association
(g) Collect any information about website users for any purpose
(h) Attempt to use any agent, tool, engine, software, or other mechanism or device to collect Website information for any purpose
(i) Access or tamper with data or content not intended for you or log in to an account or server that you are not authorized to access
(j) Attempt to test, scan, or probe the vulnerability of any system or network associated with the website or its services
(k) Breach authentication or security measures without proper authorization
(l) Attempt to interfere in any way with the use of the website or services by any other user, network, or host
(m) Use the website or services to send unsolicited e-mail of any kind
(n) Forge any TCP/IP packet header or any part of the header information for any purpose
(o) Attempt to modify, decompile, reverse-engineer, disassemble or otherwise reduce to a human-perceivable form any of the source code used in providing the website and services

Responsibility for Loss or Damage

You understand and agree that your use of the website and services is at your sole risk. You will not hold Willow Loans, company employees, participating lenders, licensors or suppliers responsible for any damage or loss that results from your access to, or use of, the website or services. The website and services may contain bugs, errors, problems or other limitations. In no event shall Willow Loans or its employees, directors, officers, advertisers, participating lenders, assigns, successors, agents, affiliates, representatives, content providers or service providers be liable for incidental, special, direct, punitive or consequential damages; lost data, lost profits or the loss of confidential or any other information; loss of privacy or any other injury or issue (problems) arising out of or in any way connected with the use of the website and/or services provided by Willow Loans. This limitation of liability is applicable regardless of whether the problems result from breach of contract, negligence, tort or other issues, even if the website or participating lenders have been informed of the possibility of damages.

Application of Above Disclaimers

Waivers and disclaimers do not, in any way, limit any other disclaimer or warranty or any other limitation of liability in these terms or any other agreement between you and Willow Loans. Unless modified or limited by law, the foregoing disclaimers, limitations and waivers apply to the maximum extent permitted, regardless of the success or failure of any remedy. No advice or information obtained by you in any manner will alter any of the disclaimers or limitations stated in this section.

Arbitration of All Disputes

Yourself and Willow Loans are in agreement that any claims or disputes between you and any of Willow Loans’ collectively “Indemnified Parties” that arise from your application of this loan or any loan that you have previously, or will in the future obtain from us, will be resolved in neutral, binding and individual (not joint) arbitration under the Code of Procedure of the National Arbitration Forum (NAF) that will take effect at the time that the claim is filed. You agree not to bring, join or take part in actions regarding loan collection, alleging fraud or misrepresentation in common law, federal, state or local statute. You hereby agree to arbitrate all disputes, and this will remain the case regardless of who the claim is by or against. You are entitled to view the ruled of the NAF, and claims may be registered at any NAF office, at www.arb-forum.com, by telephone at 800-474-2371, or at “National Arbitration Forum, P.O. Box 0191, Minneapolis, Minnesota 55405.” Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us and will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.


As a condition of using this website and its services, you agree to indemnify and hold harmless Willow Loans and its employees, directors, officers, advertisers, participating lenders, assigns, successors, affiliates, agents, representatives, content providers, or service providers (collectively “Indemnified Parties”) from and against any and all actions, claims, or other liabilities (collectively “Claims”), including without limit attorney’s fees and legal costs, relating to:

(a) Your breach of your obligations under these terms
(b) Your access to or use of the website or services
(c) Your provision of information or other data to Willow Loans or any of the Indemnified Parties
(d) Your violation or alleged violation of any law or regulation in any country, region, state, city, or location
(e) Your violation or alleged violation of the trademarks, copyrights, or other intellectual property or proprietary rights of third parties

Termination and Notices

You or Willow Loans may terminate the agreement set forth by these terms, immediately and at any time, for any reason by providing notice to the other party of the intention to terminate in accordance with these terms. The agreement set forth by these terms will terminate automatically if you breach any of the covenants, representations, or warranties herein. Such termination will occur immediately and automatically, and will require no action by Willow Loans.

If, at the company’s discretion, legal action is taken against you in connection with any suspected or actual breach of these terms, you understand and agree that Willow Loans will be entitled to recover any reasonable costs and attorney’s fees incurred by Willow Loans as a result of such legal action. Indemnified Parties will have no legal liability or obligation to you or any third party relating to the termination of the agreement set forth in these terms.

All permitted or required notices to be given under these terms must be in writing. Willow Loans will provide any notice via the most recent e-mail address provided by you. You agree that any electronically transmitted notice received from Willow Loans satisfies our legal requirement to provide such notice in writing. Ensuring that your e-mail address on file with Willow Loans is current and accurate is your SOLE RESPONSIBILITY, and any notice to you will be deemed effectively provided upon the sending of an email to that address by Willow Loans. You shall send any notice to Willow Loans by email to [email protected]. Notice to Willow Loans will be effective upon receipt of notice by Willow Loans.

Other Terms

These terms and policies constitute the entirety of the agreement between you and Willow Loans regarding your use of the website and its services. These terms and policies may be modified only by written amendment signed by an authorized executive of Willow Loans or by unilateral amendment and posting by Willow Loans of such amended version. Any part of these terms or policies that is held unenforceable or invalid will be construed to reflect the parties’ original intent, and any remaining portions will remain in full effect. A waiver by either party of any company terms or policies or any breach thereof, in any once instance, will not waive such terms, policies, or subsequent breaches. No part of these terms or policies, or your rights and obligations hereunder, will be transferable or assignable by you without prior written consent from Willow Loans. These terms and policies will be binding upon and inure to the benefit of the parties, their permitted assigns, and their successors. All parties will remain independent contractors, with no agency, joint venture, partnership, or employer-employee relationship being intended or created by these terms and policies. You acknowledge and agree that any threatened or actual breach of these terms and policies or infringement of proprietary or third party rights by you would cause irreparable harm to Willow Loans, and would entitle Willow Loans to injunctive relief. The headings contained in these terms are for the purpose of convenience only and do not enlarge, limit, or otherwise affect any of the terms, provisions, covenants, or conditions of these terms.