Terms of Use

1Acceptance of Terms

Welcome to Panda Loans. By accessing or using pandaloansapply.com (the “Service”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2Description of Service

Panda Loans operates as a free online matching service that connects consumers seeking personal or installment loans with participating lenders and lending partners. We are not a lender, broker, or agent of any lender.

• We do not make loans or credit decisions.
• We do not guarantee that you will be matched with a lender or approved for a loan.
• All loan terms, including amounts, APRs, fees, and repayment schedules, are set by the lender.

3Eligibility

To use our Service, you must:

• Be at least 18 years old (19 in Alabama and Nebraska).
• Be a legal resident of the United States.
• Have a valid Social Security Number.
• Have a steady source of income.
• Have an active checking account in your own name.
• Provide accurate and complete information.

By using the Service, you represent and warrant that you meet all eligibility requirements.

4Application Process

When you submit a loan application through our Service:

• You authorize us to share your information with lenders in our network for the purpose of evaluating your application.
• You authorize lenders to perform a credit check, which may include a soft or hard inquiry.
• You acknowledge that submitting an application does not guarantee a loan offer.
• You agree to provide truthful, accurate, current, and complete information.

5User Conduct

You agree NOT to:

• Use the Service for any unlawful purpose or in violation of applicable laws.
• Impersonate another person or provide false information.
• Use any robot, spider, or other automated means to access the Service.
• Interfere with or disrupt the Service or its servers.
• Attempt to gain unauthorized access to any part of the Service.
• Collect or harvest information from other users.
• Use the Service to transmit any harmful or malicious code.

6Intellectual Property

The Service and its original content, features, and functionality are owned by Panda Loans and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Service or its content without our prior written consent.

7Third-Party Lenders

Lenders and lending partners are independent third parties. We do not control their lending practices, terms, or policies.

• Your relationship with any lender is solely between you and the lender.
• Loan terms, fees, and conditions are set by the lender — not by Panda Loans.
• We are not responsible for the actions or omissions of any lender.
• You should carefully review any loan offer before accepting it.

8Disclaimers

The Service is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding:

• The accuracy, reliability, or completeness of any information on the Service.
• That the Service will be uninterrupted, timely, secure, or error-free.
• That you will be approved for a loan or matched with a lender.
• That any specific loan terms will be available to you.

To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

9Limitation of Liability

To the fullest extent permitted by law, Panda Loans and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Service, including:

• Loss of profits, revenue, data, or use.
• Lender actions, terms, or decisions.
• Any errors, omissions, or inaccuracies in the Service.
• Any unauthorized access to or use of our servers.

10Indemnification

You agree to indemnify, defend, and hold harmless Panda Loans and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of:

• Your use of the Service.
• Your violation of these Terms.
• Your violation of any third-party right.
• Information you provide that is false or misleading.

11Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law principles. Any disputes arising out of these Terms or the Service shall be resolved through binding arbitration.

12Changes to Terms

We may revise these Terms at any time by updating this page. Your continued use of the Service after changes become effective constitutes your acceptance of the new Terms. We will update the “Last updated” date at the top when material changes are made.

13Termination

We may terminate or suspend your access to the Service at any time, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease.

14Contact Us

If you have any questions about these Terms of Use, please contact us:

• Email: [email protected]
• Website: pandaloansapply.com