Terms of Service
Last Updated: December 1, 2025
Please read these Terms of Service ("Terms") carefully before using the Post Lake Lending website and services. By accessing or using our services, you agree to be bound by these Terms.
1. Acceptance of Terms
By accessing or using the Post Lake Lending website located at postlakelendingapply.com (the "Site") or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our services.
2. Description of Services
Post Lake Lending is a financial services company that connects consumers with lending partners who may offer personal loans. We are not a direct lender. When you submit a loan application through our Site, we share your information with lending partners in our network who may offer you loan products. The actual loan, if approved, is made by the lending partner, not by Post Lake Lending.
3. Eligibility Requirements
To use our services, you must be at least 18 years of age, a U.S. citizen or permanent resident, have a valid Social Security number, and have an active checking account. By using our services, you represent and warrant that you meet these eligibility requirements. Additional eligibility criteria may apply based on individual lending partner requirements and state regulations.
4. Application Process
When you submit a loan application, you authorize us to share your information with lending partners for the purpose of evaluating your loan request. You also authorize us and our partners to obtain consumer reports and verify the information you provide. Submitting an application does not guarantee approval, and loan terms are determined by individual lending partners based on their own criteria.
5. Accuracy of Information
You agree to provide accurate, current, and complete information in your loan application and any other communications with us. Providing false, inaccurate, or misleading information may result in denial of your application, cancellation of any loan offer, and potential legal consequences. You are responsible for updating your information if it changes.
6. Credit Inquiries
Checking your rate through our initial application typically involves a soft credit inquiry that does not affect your credit score. However, if you proceed with a loan offer and complete the final application with a lending partner, a hard credit inquiry will be performed. Hard inquiries may temporarily affect your credit score and will appear on your credit report.
7. Loan Terms and Conditions
All loan terms, including interest rates, fees, repayment schedules, and other conditions, are determined by individual lending partners and disclosed in your loan agreement. Post Lake Lending is not responsible for the terms offered by lending partners. Carefully review all loan documents before accepting any offer and contact the lending partner directly with questions about loan terms.
8. No Guarantee of Loan Approval
Submitting an application through Post Lake Lending does not guarantee that you will receive a loan offer or approval. Lending decisions are made by individual lending partners based on their own underwriting criteria. We cannot guarantee any specific rate, term, or loan amount.
9. Intellectual Property
All content on the Site, including text, graphics, logos, images, and software, is the property of Post Lake Lending or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without express written permission.
10. Prohibited Uses
You agree not to use our services for any unlawful purpose, to impersonate any person or entity, to interfere with the proper functioning of the Site, to attempt to gain unauthorized access to our systems, or to use automated means to access the Site without permission. We reserve the right to terminate your access for violation of these Terms.
11. Disclaimer of Warranties
Our services are provided "as is" and "as available" without warranties of any kind, express or implied. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, or secure.
12. Limitation of Liability
To the maximum extent permitted by law, Post Lake Lending shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability for any claims arising from these Terms shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.
13. Indemnification
You agree to indemnify and hold harmless Post Lake Lending, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, your violation of these Terms, or your violation of any rights of another party.
14. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Cook County, Illinois.
15. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective when posted on this page with an updated revision date. Your continued use of our services after any changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.
16. Contact Information
If you have questions about these Terms, please contact us:
Post Lake Lending
1847 Lakeshore Drive, Suite 450, Chicago, IL 60611
Email: legal@postlakelendingapply.com
Phone: (555) 847-2583
Understanding Your Post Lake Lending Terms of Service
Legal documents can feel overwhelming, which is why Post Lake Lending has invested extra effort in translating our Terms of Service into language that anyone can follow. The formal provisions above represent the binding agreement between you and our platform, but we recognize that not everyone has time to parse dense legal text. This companion section distills the most important clauses into straightforward summaries so you can understand your rights and obligations at a glance before using any Post Lake Lending services.
Your Responsibilities When Using Post Lake Lending
When you use the Post Lake Lending website or submit a loan application, you agree to provide accurate, truthful information and to use our services only for lawful purposes. Post Lake Lending relies on the information you provide to connect you with appropriate lending partners, so accuracy is essential for receiving the most relevant loan offers. You also agree to maintain the confidentiality of any account credentials associated with your Post Lake Lending profile and to notify us promptly if you believe your account has been accessed without your authorization.
Post Lake Lending's Role as a Marketplace
An important aspect of our terms that Post Lake Lending wants every user to understand is that we operate as a lending marketplace, not a direct lender. Post Lake Lending connects borrowers with our network of licensed lending partners who make independent credit decisions and set their own loan terms. The loan agreement you ultimately sign is between you and the lending partner you select, not with Post Lake Lending directly. This marketplace model benefits borrowers by giving them access to multiple competitive offers from a single application.
How Post Lake Lending Handles Disputes and Concerns
Post Lake Lending strives to resolve any disputes or concerns informally and efficiently whenever possible. If you have an issue with any aspect of our service, we encourage you to contact our customer support team first, as most matters can be resolved through direct communication. Our terms include provisions for formal dispute resolution through arbitration, which provides a faster and less expensive alternative to traditional litigation. Post Lake Lending is always open to feedback and uses customer concerns as opportunities to improve our processes and better serve future borrowers.
Understanding Your Post Lake Lending Terms of Service
Post Lake Lending is committed to making our Terms of Service as clear and understandable as possible, because we believe that informed users make better decisions about how they interact with our platform. The legal language in the terms above establishes the formal agreement between you and Post Lake Lending, but this section provides a plain-language overview of the key points that matter most to borrowers and visitors to our website and online services.
Your Responsibilities When Using Post Lake Lending
When you use the Post Lake Lending website or submit a loan application, you agree to provide accurate, truthful information and to use our services only for lawful purposes. Post Lake Lending relies on the information you provide to connect you with appropriate lending partners, so accuracy is essential for receiving the most relevant loan offers. You also agree to maintain the confidentiality of any account credentials associated with your Post Lake Lending profile and to notify us promptly if you believe your account has been accessed without your authorization.
Post Lake Lending’s Role as a Marketplace
An important aspect of our terms that Post Lake Lending wants every user to understand is that we operate as a lending marketplace, not a direct lender. Post Lake Lending connects borrowers with our network of licensed lending partners who make independent credit decisions and set their own loan terms. The loan agreement you ultimately sign is between you and the lending partner you select, not with Post Lake Lending directly. This marketplace model benefits borrowers by giving them access to multiple competitive offers from a single application rather than having to apply separately with each individual lender.
How Post Lake Lending Handles Disputes and Concerns
Post Lake Lending strives to resolve any disputes or concerns informally and efficiently whenever possible. If you have an issue with any aspect of our service, we encourage you to contact our customer support team first, as most matters can be resolved through direct communication. Our terms include provisions for formal dispute resolution through arbitration, which provides a faster and less expensive alternative to traditional litigation for both parties. Post Lake Lending is always open to feedback and uses customer concerns as opportunities to improve our processes and better serve future borrowers.