It is our goal to ensure that you feel safe and secure when you use our website. Any time you visit or use this site, you are agreeing to this Policy. If you do not agree with the Policy, or how we use your information, we ask that you do not use this website or submit any personal information. We may change this policy from time to time by updating this page without any notice.
Please read this information carefully and print a copy and/or retain this information for future reference. By utilizing this website and clicking the “submit” button, you are submitting a request to be connected with one of our third-party advertisers or lenders, collectively “third parties.” In order to attempt to connect you with an entity mentioned above, that may offer you a financial product or service, the third parties need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This policy notifies you of your rights when receiving electronic disclosures, notices, information and other forms of communication. By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy, and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
Option for Paper or Non-Electronic Records. If you are connected with a Lender, and said Lender determines that you are a potential candidate for a financial product or loan, and said Lender offers you an electronic copy of any pertinent Disclosures related to that loan, you may, at any time, request any Disclosures in paper form by contacting the third-party lender directly. Depending on the specific Disclosure request to the Lender, the Lender may be able to provide these Disclosures to you at no or minimal charge. Each third-party shall retain all Disclosures as required by any applicable laws to the specific transaction.
Scope of Consent. This E-Consent Policy applies to all interactions online concerning you, and the third-party Lender or Advertiser, and includes those interactions engaged in on any mobile device, including phones, smart-phones, tablets, and any other electronic device that allows the consumer to connect to the Internet. By exercising this E-Consent, the third-party may process your information and interact during all online interactions with you electronically. The third-party may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at clickngoloans.com or the third-party websites, and may be provided by e-mail. See above for guidance on how to request paper copies.
Consenting to Do Business Electronically. Before you decide to do business electronically with the third-party advertiser, you should consider whether 1. You wish to conduct business electronically, and 2. You have the required hardware and software capabilities described below.
Hardware and Software Requirements. To both access and retain the Disclosures electronically, at a minimum, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an electronic mail (e-mail) account, and an Internet Browser software program that supports at least 256-BIT encryption, including but not limited to, Microsoft® Internet Explorer, Google Chrome® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the specific hardware and software requirements directly to the third-party lender or advertiser.
Withdrawing Consent. If you are connected with one or more third-party lenders, you are free to withdraw your E-Consent with those third-parties at any time, and at no charge. However, if you withdraw this E-Consent before being connected with the third-party Lender, you may be prevented from obtaining an offer from the third-party as this consent is required, for this one time transaction, to facilitate the connection and to conduct business. Contact the third-party lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected.
Change to Your Contact Information. You should keep third-party advertisers informed of any change in either your electronic address or physical mailing address. Your lender will have specific instructions on how to update your contact information, if necessary. Please note that clickngoloans.com cannot update your information for you.
Your Ability to Access Disclosures. By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.
We operate, own and maintain clickngoloans.com and may be referred to as ‘company’, ‘us’, ‘our’, ‘we’, ‘site’ or ‘website’ throughout this document and website. Through the use of this site, we also operate a database of prospective customers, which is known as the ‘service’. To promote this site and add to our database, we utilize any number of third parties, affiliates and media advertisements.
When you submit your information to clickngoloans.com, your name and contact information is automatically added to our contact list. By providing such information, you are agreeing to receive communications from clickngoloans.com via telephone, email or text message unless you choose to opt out of one or all of these communication methods. It is also possible that marketing agencies who are business partners of clickngoloans.com may contact you via these same means. You will only receive these contacts for as long as you agree to them. Please review our SMS Terms and Conditions for more details https://clickngoloans.com/sms.php.
If you choose to opt out of communications from clickngoloans.com or our partner marketing agencies, you may do so at any time by following the opt-out link at the bottom of email correspondence or emailing us at [email protected]. Should you choose to opt out, we will forward this information to the vendor or agency that provided us with your information so that they may also remove your information from their database. clickngoloans.com can only ensure that your information will be removed from the databases of the companies with which we are affiliated. clickngoloans.com is not responsible for stopping all solicitations from all third parties.
If you opted in to receive SMS messages from clickngoloans.com prior to or during submitting your personal information to clickngoloans.com, this means that you agree to receive mobile marketing including, but not limited to, text-message based marketing (“SMS Messages”), from us and our affiliates. If you are approved for a loan or any other financial products, you may be contacted by the lender via text messaging about your offer or as part of the funding process. You further acknowledge that based on your individual mobile carrier and plan, you may incur charges associated with such SMS Messages. You acknowledge that you have reviewed your individual mobile phone plan regarding these charges, and you agree to be solely responsible for such charges. You represent that you are at least 18 years of age, and that you are the owner, or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges.
Supported mobile service providers may include, but are not limited to: Alltel (part of Verizon), Appalachian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular One from Dobson (part of AT&T), Cellular One of East Central Illinois, Cellular South, Centennial Wireless, Cincinnati Bell, Cox Wireless, Immix Wireless, Nextel (part of Sprint), nTelos Wireless, Revol Wireless, Sprint, T-Mobile, Unicel, US Cellular, Verizon Wireless, Virgin Mobile USA, West Central Wireless.
Please review our SMS Terms and Conditions for more details https://clickngoloans.com/sms.php.
When you submit your personal information through clickngoloans.com, you are providing your express consent to be contacted via email, telephone, postal mail or text message.
It is the consumer’s right to add their telephone number to the national Do Not Call Registry, which, in general, applies to any plan, program, or campaign to sell goods or services through interstate phone calls. However, a company may call a consumer with whom it has an established business relationship for up to eighteen (18) months after the consumer’s last purchase, delivery or payment, and for up to three (3) months after the consumer submits an application or an inquiry to the company, even if the consumer’s number has been added to the National Do Not Call Registry.
If you no longer wish to receive phone calls from clickngoloans.com, please contact [email protected] to have your telephone number placed on the clickngoloans.com do not call list. If you no longer wish to receive phone calls from a Lender or other Advertiser who might have approved you for a loan, you will have to contact the Lender or Advertiser directly and request that your telephone number be placed on their specific do not call list.
Types of Information Collected
PERSONAL INFORMATION: clickngoloans.com collects information from both existing and prospective customers in an attempt to connect them with lenders or other providers for the products and services they request, or products and services that may be of interest to them. You may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. We do not collect any personal information about you unless you voluntarily provide it to us. All of the information you provide on your loan request form will be presented to the potential lenders, aggregators, and advertisers to help you obtain the requested products and services.
The personal information collected includes but is not limited to name, current home address, email address, telephone numbers, bank and account numbers, date of birth, social security number, driver’s license, your military status, income, and your employer information.
NON-PERSONAL INFORMATION: We may also collect certain information about your computer that may be shared with third parties for analytics purposes. Some of this information includes your IP address, the type of browser you are using, the times you access our website, and the website that referred you. This information is used to help improve the quality of the services that we provide to you, including the way these services are delivered, and to generate statistics about the way our site is used. We will never send you newsletters or updates without your permission. Whenever you submit your information on clickngoloans.com, you are providing us with a request for these newsletters and updates.
The non-public personal information you provide in the loan request form may be provided to third-party affiliates who are responsible for helping us fulfill your requests; these parties may be lenders, companies responsible for mailing any required notices, or businesses that provide customer service or data verification services. These affiliates only have the authorization to use your information to fulfill specific obligations related to each consumer’s particular loan request.
We may also disclose personal information about you when:
We may share your contact information such as email, name and phone number with related companies so that they may advertise and market their products and services to you. If you do not want your information to be shared with third parties in this manner, please contact us at [email protected].
Under California’s “Shine the Light” law, CA Civil Code § 1798.83, California residents who provide personal information in obtaining products or services for personal, family or household use are entitled to request and obtain from us once a calendar year information about the customer information we shared, if any, with other businesses for their own direct marketing uses. If applicable, this information would include the categories of customer information and the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year (e.g. requests made in 2018 will receive information regarding 2017 sharing activities).
To obtain this information, please send an email message to [email protected] with “Request for California Privacy Information” on the subject line and in the body of your message. We will provide the requested information to you at your e-mail address in response. Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.
You may choose to not receive any communications from us and or our third-party associates by not submitting your personal information via the loan request form on our website. During registration and/or when you submit personally identifiable information to us at this website, you acknowledge that you have opted-in to request that we share your personal information with 1) the participating parties of our network in order to fulfill your loan request, and 2) third parties to receive marketing communications about similar products that you have applied for on our websites. If at any time you wish to opt out from receiving communications from clickngoloans.com, please email [email protected] and request that communications cease, and to be added to the the do not call list. Unsubscribe function instructions can also be found on any email or sms communications from clickngoloans.com, or you can use the unsubscribe feature here: https://clickngoloans.com/unsubscribe.php.
If you are eventually contacted by any of clickngoloans.com’s affiliates or other third-party Lenders or Advertisers, you should notify them directly of your choices regarding their use and sharing of your information and if you so choose, you should communicate your decision to opt-out of receiving additional offers from them individually. Each third-party may have its own specific opt-out procedures, and you should follow their instructions carefully.
Under the California Consumer Protection Act of 2018, a consumer has the right to request, via verifiable request method, that clickngoloans.com delete any personal information about the consumer that has been collected. Upon receipt of such request, clickngoloans.com shall delete the information and shall direct third party Lenders and Advertisers to delete the information from its records as well, except under limited circumstances where the consumer’s information is required to: (1) compute the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of clickngoloans.com’s ongoing business relationship with the consumer, or otherwise perform a contract between clickngoloans.com and the consumer; (2) detect security incidents; protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity; (3) debug to identify and repair errors existing intended functionality; (4) exercise free speech, ensure the right of another consumer to exercise his/her right of free speech, or exercise another right provided for by law; (5) comply with the California Electronic Communications Privacy Act; (6) engage in public or peer-reviewed scientific, historical, or statistical research in the public interest; (7) to enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with clickngoloans.com; (8) comply with a legal obligation; (9) otherwise use the consumer’s personal information, internally, in a lawful manner that is compatible with the context in which the consumer provided the information.
Any information you provide to clickngoloans.com will be retained until you make the decision to cancel your account with us. If you want to cancel your account or if you want to request that we no longer use your information to provide you with products and services, you can contact us at [email protected]. Even after this request, your information may be retained for the appropriate amount of time to comply with various legal and statutory obligations.
Should you decide to exercise any of the above mentioned rights under the California Consumer Protection Act, clickngoloans.com is prohibited from discriminating against that consumer for that exercise. However, important to note is that clickngoloans.com also offers a different price, rate, level, or quality of goods or services to the consumer if that price or difference is directly related to the value provided to the consumer by the consumer’s data.
Protecting the privacy of children is especially important. For this reason, we do not knowingly collect or maintain personal information at our website from individuals under the age of 18 years old. In the event that information is inadvertently collected from children, it will not knowingly be used for any purpose whatsoever, either inside or outside of our website. Should we obtain actual knowledge that such information has been collected, that information will be immediately deleted from our database. The information and services provided by us or our affiliates and advertisers are not intended for persons under 18 years old.
Since the safety of your personal information is incredibly important to us, we use industry recognized methods to protect the information you provide to us as it is being transmitted to clickngoloans.com, and after we have received it. There is no method of data transmission or storage that is 100% fail-proof, so we cannot guarantee the absolute security of your information. For more questions about the security methods used on our website, please contact us at [email protected]. If you do not agree with our methods of protecting your information, we ask that you abstain from submitting any information on our website.
From time-to-time, we may provide you the opportunity to participate in surveys on our site. If you participate, we may request certain personally identifiable information from you. Participation in these surveys or contests is completely voluntary and you, therefore, have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name, telephone number, email and shipping address), and demographic information (such as zip code). We use this information to improve our websites, monitor website traffic or personalize the websites for future advertising and marketing campaigns.
A cookie is a bit of data that is placed on your computer by a website for tracking purposes. Essentially, the website can send information to your computer and your computer can send information back to the website via this cookie. This information is exchanged for the purposes of authentication, user session identification, user preferences, saving login information and some additional website optimization designed to improve the user experience. You have the right to reject cookies from our website, but if you choose to do so, you may not have access to the full range of products, services, and features we provide. Sometimes, cookies may be used to track and target your interests. In this case, your personal information may be tied to these cookies. However, all of the above rights regarding opt-out, unsubscribe, and the right to delete information still apply.
If you would like to verify, correct, update or delete any of the information you have provided to clickngoloans.com, please contact us at [email protected].
Because each lender is different and ClickNGoloans.com has no control over the rates and fees each lender 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 lender and you can cancel the entire process at any time at your discretion. ClickNGoloans.com cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your loan, please contact your lender directly. Please note that lender terms may vary, and lenders 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 lender or approved for loan. If you are not chosen by a lender in the participating lender network, your information may be offered to participating third-party advertisers and generators for consideration.
It is not our policy to perform credit checks on any of our customers. However, some of the lenders 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 lender’s actions. If you do not pay back your loan by the specified due date, your lender 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 lender or that a lender will approve you for a loan. Not all lenders can provide up to $1,000. The loans that may be offered by a lender 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.
ClickNGoloans.com strives to keep you updated with all state laws governing short-term loans. As you may know, these regulations vary from state to state. Visit the Rates & Fees page to view information regarding availability, maximum loan amounts, and loan terms, as well as the information for your state regulator. Rates and fees will vary depending upon lender.
If you are given an option to obtain a loan from a tribal lender, these lenders are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms. Please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.
Testimonial Disclaimer: These are not actual testimonials, but they are representative of ClickNGoloans.com services.
ClickNGoloans.com does not charge you any fees to submit a loan request, be connected with a lender, or to receive loan offers or quotes. If you receive a quote or a loan offer, the lender with which you may be connected is available to review its terms with you at no cost. It’s possible that the lender may require a fee to process your formal loan application and/or credit report, but until you agree to pay the lender any fee(s) or sign any loan agreements, you may shop with ClickNGoloans.com at no cost.
The offers that you might receive are from companies from which ClickNGoloans.com 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). ClickNGoloans.com does not include all lenders available in the marketplace. If you are presented with an offer, carefully review the details before signing.