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Terms of Use

Effective Date: March 5, 2026

1. Overview

These Terms of Use ("Terms") govern your access to and use of the Loan App: Borrow Money - Scout website, creloanscout.com, and related services (collectively, the "Service"), operated by CRE Loan Scout LLC ("we," "us," or "our"). By accessing or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, you must not use the Service.

The Service is a platform that allows users to explore potential personal loan options offered by third-party lenders. CRE Loan Scout LLC does not provide loans directly. All lending decisions, terms, and contractual obligations are determined solely by the third-party lenders in our network.

2. Description of Services

CRE Loan Scout LLC is a loan matching and referral service. We are not a lender. We connect borrowers with third-party lenders who may offer personal loans. We do not make credit decisions, fund loans, or set loan terms. All loan decisions, terms, and funding are provided solely by the lenders in our network.

3. Eligibility

To use the Service, you must:

  • Be at least 18 years old (or the age of majority in your state)
  • Be a lawful resident of the United States
  • Have the legal capacity to enter into binding agreements
  • Provide accurate, complete, and up-to-date information
  • Use the Service only for personal, lawful purposes

By using the Service, you represent and warrant that you meet these requirements. You are responsible for keeping your account credentials secure and for all activity under your account. Notify us immediately if you suspect unauthorized access.

4. Loan Terms, APR & Repayment

When you are connected with a lender and accept a loan offer, the following generally applies. Specific terms are set by each lender.

4.1 APR Range

Annual Percentage Rates ("APR") reflect the yearly cost of borrowing, including interest and applicable fees. Offers displayed may vary (typically from 5.99% to 35.99% APR) based on your credit profile, the loan amount requested, selected repayment term, lender underwriting criteria, and applicable state and federal laws. All APRs, fees, and total repayment amounts are fully disclosed before you accept an offer.

4.2 Repayment Terms

Repayment schedules differ by lender and product. Typical terms range from 3 to 24 months. You will receive a clear repayment plan showing the total number of payments, amount of each payment, and due dates.

4.3 Payment Methods

Payments are generally processed via electronic transfers (ACH debit) from your bank account. Other options may be offered by the lender. Ensure sufficient funds are available to avoid late fees or returned-payment charges.

4.4 Fees & Charges

Any applicable fees—including origination, late, returned-payment, or other fees—will be fully disclosed before you accept an offer. There are no hidden costs through our Service.

4.5 Early Payoff

Some lenders allow early repayment without penalties, potentially reducing total interest costs. Review each loan agreement for details on early payoff.

5. Account Responsibilities

You must provide accurate information and maintain it throughout your use of the Service. You may not:

  • Submit false, misleading, or incomplete information
  • Share your account credentials
  • Access another person's account
  • Engage in prohibited or fraudulent activities

We may suspend or terminate accounts suspected of violating these Terms.

6. Electronic Communications

By using the Service, you consent to receive electronic communications, including email notifications, SMS or text messages (where applicable), and digital agreements and disclosures. These communications have the same legal effect as paper documents. Certain notices may be legally required and cannot be opted out of.

7. Data Accuracy & Authorization

By submitting information, you authorize CRE Loan Scout LLC to collect and process your personal and financial data, share relevant information with participating lenders and service providers, and use third-party services to verify identity, income, and bank accounts. Providing inaccurate, incomplete, or misleading information may result in denied requests, account suspension, or legal consequences.

8. Fees & Compensation

The Service is free to use. CRE Loan Scout LLC may receive referral or marketing compensation from lenders if you are connected through the Service or obtain a financial product. Such compensation does not affect your loan terms or obligations to the lender.

9. Permitted & Prohibited Use

You agree to use the Service lawfully. Prohibited activities include:

  • Violating laws or regulations
  • Attempting unauthorized access to systems, accounts, or data
  • Using automated tools or scripts to extract data
  • Uploading malware or harmful software
  • Copying, reverse-engineering, or distributing the Service or its content
  • Sending unsolicited communications or spam

Violation may result in account termination and legal action.

10. No Guarantee of Loan Approval

Submitting an application does not guarantee that you will receive a loan offer. Loan approval depends on the lender's evaluation of your application, creditworthiness, and other factors. We do not control lender decisions and are not responsible for any lender's refusal to extend credit.

11. Third-Party Lenders

When you accept a loan offer, you enter into a contract directly with the lender. We are not a party to that contract and have no involvement in the lending relationship after the connection is made. The lender's terms, conditions, rates, fees, and policies apply. You are solely responsible for reading and understanding the lender's agreement, Truth in Lending disclosure, and any other documents before accepting any offer. We do not guarantee the performance, conduct, or practices of any lender. Any disputes regarding your loan must be directed to the lender, not to us.

12. Service Changes

We may modify, suspend, or remove Service features without notice. Maintenance or updates may temporarily affect availability. CRE Loan Scout LLC is not liable for interruptions or modifications.

13. Intellectual Property

All Service content—including text, graphics, logos, software, and data—is owned by CRE Loan Scout LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. Users are granted a limited, non-exclusive license for personal, non-commercial use. Unauthorized reproduction, distribution, modification, or commercial use is prohibited.

14. Disclaimers

THE SERVICE AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." CRE LOAN SCOUT LLC DOES NOT GUARANTEE ACCURACY, COMPLETENESS, OR UNINTERRUPTED ACCESS. ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, ARE DISCLAIMED. USE THE SERVICE AT YOUR OWN RISK.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CRE LOAN SCOUT LLC IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, OR LOSS OF DATA, PROFITS, OR OTHER INTANGIBLE LOSSES ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY IS LIMITED TO $100 PER USER. Some state laws may not allow such limits.

16. Indemnification

You agree to indemnify and hold harmless CRE Loan Scout LLC, its officers, directors, employees, and agents from claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use or misuse of the Service, violations of these Terms, or breaches of applicable law or third-party rights.

17. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Missouri. Disputes shall be resolved through individual binding arbitration under the Federal Arbitration Act, administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. The arbitration shall be conducted in Springfield, Missouri. Class actions are not allowed. You waive your right to a jury trial. Either party may seek injunctive or equitable relief in court for intellectual property infringement. If arbitration is unavailable, disputes will be resolved in Missouri state or federal courts. Disputes regarding loans obtained through the Service are between you and the lender and are not subject to this provision.

18. Termination

We may suspend or terminate your account for violations, suspected fraud, or harmful behavior. You may stop using the Service at any time. Provisions regarding liability, indemnification, and dispute resolution survive termination.

19. Changes to Terms

We may update these Terms periodically. The Effective Date will be revised, and significant changes may be communicated via the Service or email. Continued use constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

20. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

21. Contact Information

CRE Loan Scout LLC
1624 E Catalpa St
Springfield, MO 65804-0202
Email: [email protected]
Phone: (973) 587-2399