PLEASE READ THESE WEBSITE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE (THE "WEBSITE"). THESE WEBSITE TERMS OF SERVICE (THE "TERMS OF SERVICE") GOVERN YOUR ACCESS TO AND USE OF THE WEBSITE. THE WEBSITE IS AVAILABLE FOR YOUR USE ONLY ON THE CONDITION THAT YOU AGREE TO THE TERMS OF SERVICE SET FORTH BELOW. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF SERVICE, DO NOT ACCESS OR USE THE WEBSITE. BY ACCESSING OR USING THE WEBSITE, YOU AND THE ENTITY YOU ARE AUTHORIZED TO REPRESENT ("YOU" OR "YOUR") SIGNIFY YOUR AGREEMENT TO BE BOUND BY THE TERMS OF SERVICE.

1. User Eligibility

The Website is provided by AmericanUnsecured.com and available only to entities and persons over the age of legal majority and who have the capacity to form legally binding agreement(s) under applicable law. If You do not qualify, You are not permitted to use the Website.

2. Scope of Terms of Use

These Terms of Service govern Your use of the Website and all applications, software, and services (collectively, "Services") available on the Website, except to the extent such Services are the subject of a separate agreement. Specific terms or agreements may apply to the use of certain Services and other items provided to You on the Website ("Service Agreement(s)"). Any such Service Agreements accompany the applicable Services or are listed in association with or through a hyperlink associated with the applicable Services. When You submit an inquiry through the Website, You are giving express authorization to our participating lenders to obtain a credit report on You in order to make a decision on Your loan request.

3. Use License

Any and all intellectual property rights ("Intellectual Property") associated with the Website and its contents (the "Content") are the sole property of AmericanUnsecured.com, its affiliates or third parties. The Content is protected by copyright and other laws in both the United States and other countries. Elements of the Website are also protected by trade dress, trade secret, unfair competition, and other laws and may not be copied or imitated in whole or in part. All custom graphics, icons, and other items that appear on the Website are trademarks, service marks or trade dress ("Marks") of AmericanUnsecured.com, its affiliates or other entities that have granted AmericanUnsecured.com the right and license to use such Marks and may not be used or interfered with in any manner without the express written consent of AmericanUnsecured.com. Except as otherwise expressly authorized by these Terms of Service, You may not copy, reproduce, modify, lease, loan, sell, create derivative works from, upload, transmit, or distribute the Intellectual Property of the Website in any way without AmericanUnsecured.com's or the appropriate third party's prior written permission. Except as expressly provided herein, AmericanUnsecured.com does not grant to You any express or implied rights to AmericanUnsecured.com's or any third party's Intellectual Property.

AmericanUnsecured.com grants You a limited, personal, nontransferable, nonsublicensable, revocable license to (a) access and use only the Website, Content and Services only in the manner presented by AmericanUnsecured.com, and (b) access and use the AmericanUnsecured.com computer and network services offered within the Website (the " AmericanUnsecured.com Systems") only in the manner expressly permitted by AmericanUnsecured.com. Except for this limited license, AmericanUnsecured.com does not convey any interest in or to the AmericanUnsecured.com Systems, information or data available via the AmericanUnsecured.com Systems (the "Information"), Content, Services, Website or any other AmericanUnsecured.com property by permitting You to access the Website. Except to the extent required by law or as expressly provided herein, none of the Content and/or Information may be reverse-engineered, modified, reproduced, republished, translated into any language or computer language, re-transmitted in any form or by any means, resold or redistributed without the prior written consent of AmericanUnsecured.com. You may not make, sell, offer for sale, modify, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use the Content in any way, unless expressly permitted to do so by AmericanUnsecured.com.

4. Obtaining a Password; Use of Your Password

Certain areas of our Website may be accessible only to users that have a username and password. If you obtain a username and password, please keep in mind that we will treat anyone who uses your complete login credentials as "you." We will provide this user with all of the rights and privileges that we provide to you, and we will hold you responsible for user activities associated with your username and password. We therefore recommend that you maintain your username and login credentials in confidence, and that you refrain from disclosing this information to anyone who might seek to assume your identity in order to access and use our Website. We also require that you notify us immediately if you suspect that someone is using your username and password in this or any other improper manner.

5. Code of Conduct

By using our Website, you agree to comply with these Terms of Service, and to follow our Code of Conduct, which is set out below. Under this Code, you shall not:

Use the Website in a manner that could disable, overburden or impair the Website or interfere with any other parties' use and enjoyment of the Website. Seek to obtain access to or acquire material or information that we have not intentionally made available to you on the Website through "hacking," "scraping," or other means. Submit information or material that is false, fraudulent, misleading defamatory, threatening or harassing, or otherwise unlawful. Transmit material through the Website that you know or should know contains viruses, Trojan horses, worms, time bombs, cancelbots, or other computer-programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information. By using our Website and our services, you represent that you have taken appropriate steps to secure your computing device, including, but not limited to, using an updated operating system, using anti-virus software, and conducting periodic scans for malware, viruses, or other harmful material.

6. Monitoring; Revocation or Suspension of Use Privileges

You agree that we may at any time (i) monitor your use of the Website, and (ii) terminate or suspend your access to or use of some or all of the Site or Services if you engage in conduct that we determine, in our sole and absolute discretion, violates the Code of Conduct, these Terms or our Privacy Policy. Although we disclaim any obligation to monitor activities on the Website, you acknowledge and agree that we may employ filters and other measures designed to detect and block inappropriate content described in our Code of Conduct. We reserve the right at all times to (i) require changes to your submission, (ii) refuse to post any information or material, or (iii) remove in whole or in part, any information or material that we determine, in our sole and absolute discretion, violates our Code of Conduct.

You should also understand that under applicable law, making false, fraudulent or misleading statements or representations in connection with an application for a loan may expose you to civil and criminal liability. You agree that we are authorized at all times to disclose information we deem necessary or appropriate to satisfy our obligations under any applicable law, regulation, legal process or governmental request, consistent with our Privacy Policy.

7. Disclaimer

AmericanUnsecured.com MAKES NO REPRESENTATIONS ABOUT THE RESULTS TO BE OBTAINED FROM USING THE WEBSITE, THE AmericanUnsecured.com SYSTEMS, THE SERVICES, THE INFORMATION OR THE CONTENT. THE USE OF SAME IS AT YOUR OWN RISK. THE WEBSITE, THE AmericanUnsecured.com SYSTEMS, THE INFORMATION, THE SERVICES AND THE CONTENT ARE PROVIDED ON AN "AS IS" BASIS. AmericanUnsecured.com, ITS LICENSORS, AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND FITNESS FOR A PARTICULAR PURPOSE. AmericanUnsecured.com AND ITS AFFILIATES, LICENSORS AND SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, SECURITY OR TIMELINESS OF THE CONTENT, INFORMATION OR SERVICES PROVIDED ON OR THROUGH THE USE OF THE WEBSITE OR THE AmericanUnsecured.com SYSTEMS. NO INFORMATION OBTAINED BY YOU FROM THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED BY AmericanUnsecured.com IN THESE TERMS OF SERVICE. IF YOU RESIDE IN A JURISDICTION THAT DOES NOT ALLOW LIMITATIONS ON IMPLIED WARRANTY, THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION DO NOT APPLY TO YOU. IF YOU ARE A CONSUMER, YOUR STATUTORY RIGHTS THAT ARE NOT SUBJECT TO WAIVER ARE NOT AFFECTED BY THESE PROVISIONS. YOU AGREE AND ACKNOWLEDGE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND WARRANTY PROVIDED IN THESE TERMS OF SERVICE ARE FAIR AND REASONABLE.

8. Limitation of Liability

IN NO EVENT SHALL AmericanUnsecured.COM OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA OR PROFIT, OR DUE TO BUSINESS INTERRUPTION) ARISING OUT OF THE USE OR INABILITY TO USE THE WEBSITE OR SERVICES, EVEN IF AmericanUnsecured.COM HAS BEEN NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. EXCEPT FOR A PARTY’S LIABILITY ARISING UNDER, OR AS A RESULT OF GROSS NEGLIGENCE, FRAUD, OR WILLFUL MISCONDUCT, IN NO EVENT WILL SUCH PARTY BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LEGAL FEES AND EXPENSES), WHETHER FORESEEABLE OR UNFORESEEABLE, THAT MAY ARISE OUT OF OR IN CONNECTION WITH THIS WEBSITE OR THE SERVICES UNDER ANY THEORY, INCLUDING BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, OR NEGLIGENCE. IN NO EVENT WILL EITHER PARTY BE LIABLE FOR PUNITIVE OR EXEMPLARY DAMAGES.

9. Indemnity

You agree that you shall indemnify, defend and hold AmericanUnsecured.com, its officers, directors, employees, agents and affiliates harmless from and against any and all claims by third parties to the extent arising from or related to (a) your use of the Website, Content and Services, (b) a material breach by you of any agreement, obligation, representation or warranty contained these Terms of Service or the Privacy Policy, (c) your actual or alleged negligence, gross negligence, willful misconduct or fraud related to your duties or obligations under the Code of Conduct (c) a material violation by you of any applicable law including, without limitation, applicable law relating to the security and/or privacy of nonpublic personal information; and (d) the infringement of copyright, trademark, trade secret or other proprietary rights relating to use of the Website as authorized by these Terms.

10. Revisions and Errata

The materials appearing on AmericanUnsecured.com's web site could include technical, typographical, or photographic errors. AmericanUnsecured.com does not warrant that any of the materials on its web site are accurate, complete, or current. AmericanUnsecured.com may make changes to the materials contained on its web site at any time without notice. AmericanUnsecured.com does not, however, make any commitment to update the materials.

11. Links

The Website may contain links to third-party Websites and resources (collectively, "Linked Sites"). These Linked Sites are provided solely as a convenience to You and not as an endorsement by AmericanUnsecured.com of the content on such Linked Sites. AmericanUnsecured.com makes no representations or warranties regarding the correctness, accuracy, performance or quality of any content, software, service or application found at any Linked Site. AmericanUnsecured.com is not responsible for the availability of the Linked Sites or the content or activities of such sites. If You decide to access or interact with Linked Sites, You do so at Your own risk. In addition, Your use of or interaction with Linked Sites is subject to any applicable policies and terms and conditions of use, including but not limited to, the Linked Site's privacy policy.

12. Site Terms of Service Modifications

AmericanUnsecured.com may revise and update these Terms of Service at any time without notice to you. Your continued usage of the Website after any changes to these Terms of Service will constitute Your acceptance of those changes. Any aspect of the Website may be changed, supplemented, deleted or updated without notice to you at the sole discretion of AmericanUnsecured.com. AmericanUnsecured.com may also change or impose fees for products and services provided through the Website at any time in its sole discretion. AmericanUnsecured.com may establish or change, at any time, general practices and limits concerning other AmericanUnsecured.com products and services in its sole discretion.

13. Governing Law and Jurisdiction

These Terms of Service, the Website and its content, the Services and the AmericanUnsecured Systems shall be interpreted and governed in all respects by the laws of the Commonwealth of Virginia without regard to its conflict of law provisions. Any dispute arising from these Terms of Service, the Website or its content, the Services and the AmericanUnsecured Systems shall be resolved in a court of competent jurisdiction located in the County of Fairfax, Commonwealth of Virginia. YOU AGREE THAT ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE, THE AmericanUnsecured.com SYSTEMS, INFORMATION, SERVICES AND/OR CONTENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE.

14. Privacy Policy

The AmericanUnsecured.com Privacy Policy governs the use of information collected from or provided by You on the Website. With respect to any individual whose Personal Information is provided by You to AmericanUnsecured.com, You represent to AmericanUnsecured.com that You have obtained all necessary consents for the processing of such Personal Information contemplated by the Services You are using and by the AmericanUnsecured.com Privacy Policy, including the transfer of such data to persons in other countries whose laws may not provide the same level of protection for the personal data as the laws of the United States.

15. Contact for Alleged Copyright Infringement

We respect the intellectual property rights of others and require that you do the same. If you believe that content available on a Website constitutes infringement of a work protected by copyright, please notify our agent, designated under the Digital Millennium Copyright Act (17 U.S.C. §512) (the "DMCA") to respond to such concerns, as follows:

2355 Centerville Rd. Box 14348
Tallahassee, FL 32317
USA

Your notice must comply with the DMCA. Upon receipt of a compliant notice, we will respond and proceed in accordance with the DMCA.

16. Assignment and No Third Party Beneficiary

Your rights under these Terms of Service are for your sole and exclusive benefit. Nothing in these Terms shall be construed to grant any other person any right, remedy, or claim under or in respect of these Terms. Furthermore, these Terms of Service shall not be assignable by you, either in whole or in part. We reserve the right to assign the rights and obligations under these Terms of Service for any reason and in our sole discretion.

17. Complete Agreement

EXCEPT AS EXPRESSLY PROVIDED IN A SEPARATE LICENSE, SERVICE OR OTHER WRITTEN AGREEMENT BETWEEN YOU AND AmericanUnsecured.com, THESE TERMS OF SERVICE CONSTITUTE THE ENTIRE AGREEMENT BETWEEN YOU AND AmericanUnsecured.com WITH RESPECT TO THE USE OF THE WEBSITE, THE AmericanUnsecured.com SYSTEMS, AND ANY SOFTWARE OR SERVICE, INFORMATION AND CONTENT CONTAINED THEREIN, AND SUPERSEDE ALL DISCUSSIONS, COMMUNICATIONS, CONVERSATIONS AND AGREEMENTS CONCERNING THE SUBJECT MATTER HEREOF.

18. Customer Service

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of Personal Information is protected and maintained.

If you have any questions or concerns please contact us at info@AmericanUnsecured.com

Welcome to AmericanUnsecured.com

With access to the most active lending partners for unsecured personal loans and small business loans in most states, AmericanUnsecured.com provides you with a quick, safe, and effortless way to receive financing.

No Collateral Required

Our lending partners have loans that do not require collateral. Also, there is no need for a business plan or any other troublesome paperwork.

No Fee Service

We are a NO FEE service and AmericanUnsecured.com will never attempt to charge you at any time. We will provide you with free information and discounted services to help you save time and receive the cash you require.

All Credit Considered

We have choices for all credit standings. Our goal is to leave you in a better position than when you began your loan search. We can help you find a solution that may be right for your specific financial situation.

2355 Centerville Rd. Box 14348,
Tallahassee, FL 32317
USA

Loan Option disclosure:


Disclaimer: The operator of this website is not a lender and does not make credit decisions. This website offers a service that attempts to connect potential borrowers, with available offers, based on on self reported information. By submitting your information through this site, you consent to having it shared with third parties for the purpose of facilitating your request. All financial products and services are presented without warranty and providing your information on this website does not guarantee an approval with said products or services. Pre-qualified offers are not binding. Terms, conditions, and policies vary by product, service, state, and your particular financial situation. It is the user's responsibility to read all third party disclaimers and restrictions before proceeding.

APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. Offers on this site have repayment terms from twelve to a maximum of eighty-four months, and an annual percentage rate (APR) ranging from 5.74% to a maximum of 35.99%.

For example, if you took out a $30,000 loan on a 20% interest rate. The total payback would be $36,000 making the yearly interest amount $6,000. The APR is the percentage of interest paid for the entire year plus additional fees and costs.


Here is an example of the cost of a loan for a person with an excellent credit profile:
If you take a $10,000 loan for a five year term at 8% interest rate with a 3% origination fee, you would receive $9,700 ($10,000 less the $300 origination fee) and would make sixty monthly payments of approximately $202.76 which equates to an APR of 8.69%. The total cost of the loan would be $12,165.60.

Advisory: Legitimate lenders will never ask for advance payment. NEVER pay a lender in advance for a loan.


We are partnered with multiple national lending partners and all credit situations are considered.

APR, INTEREST RATE, and ORIGINATION FEES

An APR shows you the cost of borrowing money on a yearly basis. It can help you quickly compare different loans or credit cards on an apples-to-apples basis. The APR on a personal loan can include both the interest rate and origination fee. The origination fee may also be deducted from your loan proceeds, and there is usually no fee if you do not receive a loan.
The Annual Percentage Rate (APR) is the rate at which your loan accrues interest, and is based upon the individual lender's program. All terms and conditions for any loan for which you qualify will be presented before you submit your application. APRs vary from 4.79% to 35.99% for unsecured personal loans.
For example, If the origination fee is deducted and you receive a $6,000 36-month loan at an interest rate of 6.99% with a 2% origination fee of $120.00, you could receive a loan amount of $5,880.00 and make 36 monthly payments of approximately $185.24 at an 8.36% APR. In the case of a $20,000 60-month loan at an interest rate of 7.62% with a 3% origination fee of $600.00, you could receive a loan amount of $19,400.00 and make 60 monthly payments of approximately $401.90 at an 8.91% APR. Your actual monthly payment usually varies based on the APR, loan amount and term selected.

Credit Implications

Our participating lending partners may verify your social security number, driver's license number, national ID, or any other state or federal identification, and review your information against national databases to include, but not limited to, Equifax, Transunion, Experian, Teletrack, or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. Some of our participating lending partners will not perform credit checks with the three major credit reporting bureaus. When third parties check your credit score, it can lower your credit score. We will make every effort to only present programs that qualify and benefit your situation, and in hopes, help increase your chances of getting a loan with our lending partners. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your registration through this website, you agree to allow participating lending partners to verify your information and check your credit as described in their policies and terms.

Implications of Late Payments

Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest, and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan, be sure you have read and understand the implications of making late payments. Also, each state has rules and regulations in place that lenders must follow when assessing fees for late payments.

Implications of Non-Payment & Collection Practices

If you do not make the payments on your loan, you may be responsible for additional fees and interest and collection costs. This may lower your credit score. Lenders are required by federal and state laws to use fair practices in their collection actions for a loan that has not been repaid. Lenders should comply with the following practice:

  • Not contacting you by phone before 8 am or after 9 pm
  • Not harassing you or using abusive language towards you over the phone
  • Not using deception to try to collect money from you
  • Not threatening you with legal action if it is not permitted

We will only allow lending partners who are reputable and maintain their reputations actively; however, if you find any behavior that is not professional, or you feel is predatory, we need and want to know immediately. We are your advocate and your experience with us is paramount to the success of our company. We appreciate your trust in us to help you with your loan needs.