These Terms of Service ("Terms") govern your access to and use of the website aheadlendingapp.com and any related services (collectively, the "Service") operated by Ahead Lending, LLC ("Ahead Lending," "we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms.
1. Acceptance of terms
By accessing our Service, applying for a loan, or otherwise using our website, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.
2. Eligibility
To use our Service and apply for a loan, you must:
- Be at least 18 years old (19 in Alabama and Nebraska)
- Be a U.S. citizen or permanent resident with a valid Social Security Number
- Reside in a state where Ahead Lending is licensed to operate
- Have a verifiable source of income of at least $1,200 per month
- Have an active bank account in your name
- Not currently be in bankruptcy proceedings
3. Account registration
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately of any unauthorized use. We reserve the right to suspend or terminate accounts we reasonably believe are compromised.
4. Loan products & underwriting
All loans are subject to underwriting approval based on your creditworthiness, income, and state of residence. Approval is not guaranteed. The specific rates, terms, and fees for your loan will be disclosed in your loan agreement before you accept.
Representative examples on our website are for illustration only and do not constitute a firm offer of credit. Your actual APR, monthly payment, and loan terms may vary.
5. Electronic communications & signatures
By using our Service, you consent to receive all disclosures, notices, and agreements electronically as permitted under the E-SIGN Act. You have the right to receive paper copies of these documents; contact us to request them.
6. Credit authorization
By submitting a loan application, you authorize Ahead Lending to:
- Obtain your credit report from Equifax, Experian, and/or TransUnion (initial rate checks use a soft inquiry with no FICO impact; a hard inquiry is only performed when you finalize a loan)
- Verify your identity and information via third-party services
- Access your bank account information via secure connection (Plaid or similar) for verification purposes
- Report loan account activity to credit bureaus
7. Prohibited conduct
You may not:
- Provide false, misleading, or fraudulent information
- Use the Service for any illegal purpose
- Attempt to circumvent our security measures
- Scrape, harvest, or otherwise extract data from our Service
- Impersonate any person or entity
- Interfere with the operation of the Service
8. Intellectual property
All content on our Service — including logos, text, graphics, and software — is owned by Ahead Lending or its licensors and is protected by copyright and trademark laws. You may not use, reproduce, or distribute any content without our prior written permission.
9. Disclaimers & limitations of liability
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, AHEAD LENDING SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.
10. Arbitration agreement & class waiver
Any dispute arising under these Terms shall be resolved through binding individual arbitration under the American Arbitration Association's Consumer Arbitration Rules. You waive the right to participate in class actions, class arbitrations, or representative actions.
Opt-out: You may opt out of this arbitration agreement by sending written notice within 60 days of first accepting these Terms.
11. Termination
We may suspend or terminate your access to the Service at any time, with or without cause. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitations of liability, arbitration) will survive.
12. Governing law
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. For state-specific loan agreements, the laws of the state where you reside may apply.
13. Changes to terms
We may modify these Terms at any time. Material changes will be communicated via email or a prominent notice on our website. Continued use of the Service after changes constitutes acceptance.
14. Contact us
- Email: [email protected]
- Mail: Ahead Lending, LLC — Legal Department, 1200 Market Street, Suite 400, Wilmington, DE 19801
- Phone: 1-888-000-0000