Terms of Use

These terms apply to your use of fernway-loans.com (the "Site"), operated by fernway-loans.com ("Fernway Loans", "we", "us"). By using the Site you agree to them. If you don't agree, please don't use the Site.

1. What the Site does

The Site lets you submit a request for a personal loan. Fernway Loans is not a lender, does not make loan or credit decisions and does not broker loans. We are a lead generator: your request is passed to lenders and lending partners, who decide for themselves whether to make you an offer. We are paid by them or by their intermediaries for this service. We do not charge you an application fee.

2. No promise of a loan

Submitting a request does not mean you will receive an offer, an approval or any particular amount, rate or term. Loans are not available in all states. Any loan is an agreement between you and the lender only; we are not a party to it and are not responsible for the lender's decisions, terms, conduct or communications. Read the lender's agreement before you sign. See Rates & fees.

3. Who may use the Site

You must be at least 18 years old, a resident of the United States, and not a resident of a state where the loan you are requesting is illegal. The information you provide must be true, current and your own.

4. The request form and your consents

The request form is provided and operated by our lead-processing partner. When you submit it you also agree to the terms, E-Consent, credit authorization and other notices shown in the form, including consent to be contacted by lenders and marketing partners. How information is handled is described in our Privacy Policy.

5. Acceptable use

• Don't submit false information or a request on behalf of someone else without their authority.
• Don't use automated tools to access the Site or submit requests.
• Don't interfere with the Site, its security or its tracking, or try to access data that isn't yours.
• Don't copy or reuse the Site's content or name without our written permission.

6. Not financial advice

The Site provides general information only. It is not financial, legal or tax advice. Short-term loans are not a long-term financial solution; consider your options and borrow only what you can repay.

7. Disclaimers

The Site is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including that the Site will be uninterrupted, error-free or suitable for your purpose, and any warranty about the products or conduct of lenders and other third parties.

8. Limitation of liability

To the fullest extent the law allows, Fernway Loans and its officers, employees and partners are not liable for indirect, incidental, special, consequential or punitive damages, or for any loss arising from a loan, an offer or your dealings with a lender or other third party. Nothing in these terms limits liability that cannot be limited by law.

9. Changes

We may change the Site or these terms at any time. The date at the top shows the latest version, and using the Site after a change means you accept it.

10. Governing law and contact

These terms are governed by the laws of the Republic of Singapore, without affecting any consumer protection that the law of your place of residence gives you and that cannot be waived. Questions: support@fernway-loans.com.