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Terms of Use

Last updated: June 2026

By visiting and using LemonyLoans.com, you agree to the following terms of use. The portal is operated by LemonyLoans LLC. The operator is not a lender, broker, or financial advisor and has no direct lending contracts with the banks and online lenders shown on this site.

1. Nature of Service

LemonyLoans.com is a comparison portal that offers editorial reviews, side-by-side comparisons, and sponsored placements for consumer financial products available in the United States. The portal does not provide financial advice, legal advice, or any related services. All content is for informational purposes only. Consult a licensed financial advisor, CPA, or attorney before making financial decisions.

2. Accuracy of Information

We strive to ensure data accuracy, but we do not guarantee complete accuracy. Interest rates, APRs, fees, and loan terms change frequently and may differ by state. Always verify current terms directly with the chosen lender before signing any agreement. Specific rates and approval amounts depend on your credit profile, income, and other underwriting factors and may differ from the ranges shown.

3. Affiliate Links and FTC Disclosure

The portal contains affiliate links to lenders. When you click such a link and submit an application, the relationship is directly between you and the lender. We may receive a referral fee if you complete an application or are approved. You pay no additional costs for using our links. We mark all sponsored placements with an "ad" or "sponsored" badge to comply with US Federal Trade Commission (FTC) endorsement guidelines (16 CFR Part 255). LemonyLoans.com is not responsible for the content, terms, or actions of any third-party lender website.

4. No Lending Activity

LemonyLoans.com is not a lender, broker, loan originator, or financial institution under federal or state law. We do not extend credit, take loan applications, or service loans. We do not request, collect, or store your Social Security Number, bank account number, or income documentation. All applications are submitted directly to the lender.

5. Limitation of Liability

To the maximum extent permitted by applicable law, the operator accepts no liability for disputes between lenders and their customers. LemonyLoans.com is not responsible for any damages, losses, missed opportunities, or other harm arising from information published on the portal or decisions you make based on it. The site is provided "as is" without warranties of any kind, either express or implied.

6. Warning for Visitors in Financial Difficulty

We strongly advise visitors in financial difficulty against applying for new loans. If you are behind on payments or considering bankruptcy we recommend contacting a nonprofit credit counseling agency such as the National Foundation for Credit Counseling (NFCC) or a HUD-approved housing counselor (1-800-569-4287). Many states also offer free debt counseling programs.

7. State Licensing and Eligibility

Loan products on LemonyLoans.com are offered by lenders licensed at the federal or state level. Each lender determines its own service area, and not all products are available in every state. Some loan products (for example payday-style installment loans) are restricted or prohibited in certain states such as New York, Massachusetts, Connecticut, and Vermont. The portal does not verify eligibility for individual visitors; each lender is responsible for its own state licensing and compliance.

8. Privacy and Cookies

The operator complies with the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), the Children's Online Privacy Protection Act (COPPA), and applicable US federal and state privacy laws. We do not collect or store your sensitive personal data such as name, address, Social Security Number, or income details. The portal uses the following cookies and trackers:

  • Google Analytics – anonymous tracking of traffic and visitor behavior.
  • Google AdSense – display of targeted advertisements.
  • Affiliate cookies – tracking of clicks on affiliate links (valid for up to 60 days).

California residents have additional rights under the CCPA, including the right to know, delete, and opt out of the sale of personal information. To exercise these rights, contact lemonyapps@gmail.com.

9. Intellectual Property

All portal content (text, images, third-party logos, and proprietary comparison tables) is protected by US copyright law. Third-party logos and brand names are the property of their respective owners and are used only for editorial and identification purposes. Reproduction or commercial use without written permission from the operator is prohibited.

10. Governing Law and Disputes

These terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles. Any disputes arising from your use of LemonyLoans.com shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules, except where prohibited by applicable consumer protection law.

11. Changes to These Terms

We may update these Terms of Use at any time. Material changes will be announced on the site with the updated effective date. Continued use of the portal after a change constitutes acceptance of the new terms.

12. Contact

For questions regarding these terms, contact us at: lemonyapps@gmail.com