Disclaimer

Perks Loans is operated by Union Perks Loans LLC. We are a loan matching service. We do not issue loans, set interest rates, determine fees, make credit or approval decisions, or service loans.

All loans you may obtain through use of our service are issued by independent third-party lenders. Each lender has its own underwriting criteria, terms, and conditions. Union Perks Loans LLC is not responsible for the actions, policies, or practices of any lender in our network.

Submitting information through Perks Loans does not guarantee that you will be matched with a lender, that any lender will offer you a loan, or what terms (if any) you will be offered.

Approval, loan amount, APR, fees, repayment terms, and all conditions are determined solely by the lender, based on your individual eligibility and the lender's underwriting criteria.

Any APR ranges, monthly payments, or loan terms presented on this website or in our app are illustrative and based on representative examples. Your actual APR and total cost of credit will be determined by the lender you are matched with and disclosed to you before you sign any loan agreement.

Loan amounts typically range from $100 to $5,000, with repayment periods from 70 days to 36 months. APR may range from 5.99% to 35.99% based on your credit profile, the loan amount and term, and the lender.

Content on this website and in the Perks Loans app is for informational purposes only. It is not financial, legal, tax, or other professional advice.

Before taking out a loan, consult with a licensed financial advisor, attorney, or other qualified professional as appropriate to your situation. Decisions about borrowing should be made based on your individual circumstances, not on general information provided here.

Our website and app may contain links to third-party websites, including the websites of lenders in our network. These links are provided for your convenience.

Union Perks Loans LLC has no control over the content, privacy practices, or business practices of third-party websites and is not responsible for them. The presence of a link to a third-party site does not constitute endorsement of that site, its content, or its operator.

Perks Loans is available to U.S. residents. Loan availability through our network varies by state due to differences in state lending laws.

We cannot guarantee that a lender willing to work with borrowers in your state is currently in our network. If no lender in our network is licensed to serve your state, we may not be able to provide matches. For questions about availability in your state, contact [email protected].

We make reasonable efforts to ensure that information on this website and in our app is accurate and up to date. However, rates, terms, fees, lender availability, and other details may change without notice.

We do not warrant the accuracy, completeness, or timeliness of any information presented. For current, binding terms applicable to any loan offer, consult the lender's loan agreement.

"Perks Loans" is the name under which the Perks Loans iOS application is published on the App Store. The service is operated by Union Perks Loans LLC under the brand name "Perks Loans."

References to "Perks Loans" or "the app" on this website or in App Store materials all refer to the same product and service.

We may update this disclaimer from time to time. Material changes will be reflected by an updated date below.

Continued use of the service after changes constitutes acceptance of the updated disclaimer.