The Borrowing Club, LLC, ("TBC") a Florida limited liability company doing business as LoanQuo.
Because TBC IS NOT A LENDING PARTNER, we cannot ultimately decide whether or not you are approved for a
loan. We also cannot determine or influence the amount of money you may receive from using our referral
services. The operator of this web site will share the information you provide with participating
lending partners, advertisers, networks and other partners who may or may not lend or issue credit.
Providing your information on this web site does not guarantee that you will be chosen by a lending
partner or approved for a loan. We do not act as agents, brokers, or representatives for any of our
lending partner, and we do not endorse or charge you for any service or product. All information that we
collect and share about you is in accordance with our Privacy Policy which we advise you to review
before submitting any information using our form.
Because each lending partner is different and TBC has no control over the rates and fees each lending
partner charges, we urge you to carefully review the terms associated with the offer before accepting or
declining. Please remember that you are never under any obligation to accept an offer from a lending
partner and you can cancel the entire process at any time at your discretion. TBC cannot be held
accountable for any charges or terms presented to you by a lending partner, and we are in no way
responsible for any agreement between you and a lending partner. For details, questions or concerns
regarding your short-term loan, please contact your lending partner directly. Please note that lending
partner terms may vary, and lending partner may use different criteria to determine whether an applicant
is eligible for a loan. Not all who submit a request for credit will be chosen by a lending partner or
approved for loan. If you are not chosen by a lending partner in the participating lending partner
network, your information may be offered to participating third party advertisers and generators for
consideration.
Some of the lending partner in our network might perform a credit check before making their decisions
using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other
alternate sources of consumer information. In the end, your credit rating may be impacted by a
particular lending partners actions. If you do not pay back your loan by the specified due date, your
lending partner may choose to report this delinquency to one or more of the major credit bureaus, which
could negatively affect your rating.
Any of the information that you read on this website may be changed at any time without any prior notice.
We can not guarantee that your submitted information will be provided to a lending partner or that a
lending partner will approve you for a loan. Not all lending partner can provide up to $100,000. The
loans that may be offered by a lending partner are expensive forms of credit and are intended to provide
you with short-term financing to solve immediate financial needs and should not be considered a
long-term solution. If you are having serious financial issues, it is often best to consult with a
professional credit counselor.
Advertising Disclosures
TBC does not charge you any fees to submit a loan request, be connected with a lending partner, or to
receive loan offers or quotes. If you receive a quote or a loan offer, the lending partner with which
you may be connected is available to review its terms with you at no cost. It’s possible that the
lending partner may require a fee to process your formal loan search and/or credit report, but until you
agree to pay the lending partner any fee(s) or sign any loan agreements, you may shop with TBC at no
cost.
The offers that you might receive are from companies from which TBC receives compensation. This
compensation may impact what offers you receive and how/where products appear on this site (including,
for example, the order in which they appear). TBC does not include all lending partner available in the
marketplace. If you are presented with an offer, carefully review the details before signing.
The offers that appear are from companies which LoanQuo and its partners receive compensation. This
compensation may influence the selection, appearance, and order of appearance of the offers listed
below. However, this compensation also facilitates the provision by LoanQuo of certain services to you
at no charge. The offers shown below do not include all financial services companies or all of their
available product and service offerings.
Example Of Offer
If you borrow $5,000 on a 3 year repayment term and at a 10% APR, the monthly repayment will be $161.34.
Total repayment will be $5,808.24. Total interest paid will be $808.24. APR Disclosure
The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount
of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff.
By law, the lending partner and/or lending partner must show you the APR before you enter into the loan.
States have laws limiting the APR that the lending partner and/or lending partner can charge you. Rates
will vary based on your credit, loan size and whether collateral is provided, with the lowest rates
available to customers with good credit on larger, secured loans. Minimum and maximum loan amounts and
APR may vary according to state law and lending partner or partners. We recommend you read the lending
partners and/or lending partner’s personal terms and conditions in full before proceeding for a personal
loan.
Income Disclosure
Your yearly income before taxes, Alimony, child support, or separate maintenance is optional. Increase
any non-taxable income by 25%.
Regarding Credit Pulls
I also grant Nationwide, and the potential lenders they identify, the authority to access my credit
report through hard or soft inquiry and I understand that Nationwide and/or the lenders may hard or soft
pull and view my credit report for up to 120 days after I execute this Agreement.
Regarding Class Action
You acknowledge and agree that any and all disputes, controversies or claims of any nature, whether
relating to this Agreement or otherwise, must be brought in your individual capacity, and not as a
plaintiff or class action member in any purported class, consolidated, collective or representative
proceeding. Accordingly, you hereby waive any and all rights to bring any claim or action as a plaintiff
or class member in any purported class, consolidated, collective, private attorney general action, or
representative proceeding relating to any disputes, controversies or claims arising out of this
Agreement or any loan.
The Borrowing Club, LLC, a Florida limited liability company doing business as LoanQuo 2025. All
Rights Reserved.
