Elk Lending Terms of Service

Agreement to Elk Lending Terms

By accessing or using the Elk Lending website (elklendingnow.com) or services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

About Elk Lending Services

Elk Lending provides online installment loan services to eligible individuals. Our services include:

• Online loan applications
• Loan processing and funding
• Account management and servicing
• Customer support

Eligibility for Elk Lending Loans

To apply for an Elk Lending loan, you must:

• Be at least 18 years old (19 in some states)
• Be a legal US resident with a valid Social Security Number
• Have an active checking account in your name
• Have a verifiable source of regular income
• Not be an active-duty military member or dependent
• Meet any additional state-specific requirements

Loan Application and Approval

When you submit an application to Elk Lending:

• You authorize us to verify all information provided
• You authorize us to obtain your credit report
• Approval is not guaranteed and is at our sole discretion
• Loan terms are presented before final acceptance
• You must review and sign your loan agreement electronically

Loan Terms and Repayment

If approved for an Elk Lending loan:

• Your specific loan terms are detailed in your loan agreement
• Payments are automatically withdrawn from your bank account
• You may pay off your loan early without prepayment penalties
• Late payments may result in fees and additional interest
• Failure to repay may result in collection activities

Cancellation Rights

You may cancel your Elk Lending loan no later than 5:00 PM CST on the next business day after signing. To cancel:

• Call (855) 877-3275 before the deadline
• Return any funds already deposited
• Follow instructions provided in your loan agreement

Website Use

When using the Elk Lending website, you agree to:

• Provide accurate and truthful information
• Not use the site for any unlawful purpose
• Not attempt to gain unauthorized access to our systems
• Not interfere with the proper operation of the website
• Not use automated systems to access the site without permission

Intellectual Property

All content on the Elk Lending website, including text, graphics, logos, and software, is our property or the property of our licensors and is protected by intellectual property laws. You may not reproduce, distribute, or modify any content without our written permission.

Disclaimer of Warranties

The Elk Lending website and services are provided "as is" without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free website access
• Loan approval for any applicant
• Accuracy of third-party information

Limitation of Liability

Elk Lending shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website, to the fullest extent permitted by law.

Dispute Resolution

Any disputes arising from your use of Elk Lending services shall be resolved in accordance with the dispute resolution provisions in your loan agreement, which may include arbitration.

Governing Law

These Terms of Service and your use of Elk Lending services are governed by applicable tribal and federal laws.

Changes to Terms

Elk Lending reserves the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Contact Elk Lending

Questions about these Terms of Service? Contact us:

• Phone: (855) 877-3275
• Email: [email protected]