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Terms of Use

Effective date: September 16, 2025
1. Acceptance of Terms: By accessing or using this website (the “Site”), tools (including any loan calculator or pre‑qualification form), or services offered through the Site (collectively, the “Services”), you agree to be bound by these Terms of Use (the “Terms”) and any policies referenced here (including our Privacy Policy and GLBA Financial Privacy Notice). If you do not agree, do not use the Site or Services.
2. Who We Are: This Site is operated by Agree Financial LLC, a Florida limited liability company located at 8200 NW 41st St, Suite 200, Doral, FL 33166. We may hold a Florida Office of Financial Regulation license as a Consumer Finance Company (License No. CF9901529). For licensing disclosures and verification links, see the footer of our Site or our “Licenses & Disclosures” page.
3. No Credit Offer; Informational Nature of Tools: Content on the Site—including any rate ranges, APR examples, calculator outputs, and educational articles—is for informational purposes only and does not constitute a credit offer, commitment to lend, or a credit decision. Final loan terms (including APR, finance charge, amount financed, total of payments, and payment schedule) will be disclosed in writing in your Truth in Lending Act (TILA) disclosure before consummation. Pre‑qualification results are estimates based on self‑reported data and are subject to verification.
4. Eligibility and Responsible Use: You represent that you are (i) at least 18 years old (or the age of majority in your jurisdiction), (ii) a U.S. resident for any consumer credit application processed through us, and (iii) using the Site only for lawful, personal purposes. You agree not to: (a) provide false, misleading, or incomplete information; (b) access or attempt to access accounts or data not intended for you; (c) use bots, scraping, or reverse‑engineering; (d) interfere with security or normal operation of the Site.
5. Electronic Communications; E‑SIGN: We may provide certain legal disclosures and notices electronically. When legally required (e.g., for TILA disclosures, adverse action notices, or privacy notices), we will request your affirmative E‑SIGN consent after presenting technical requirements, paper‑copy options, and withdrawal instructions.
6. Application, Underwriting, and Credit Reporting: If you proceed beyond pre‑qualification, we may request additional information and, with your express authorization, obtain consumer reports and/or credit scores from consumer reporting agencies to evaluate your application and service your account. If your application is denied or approved with less favorable terms, you may receive an Adverse Action Notice as required by the Equal Credit Opportunity Act (ECOA/Reg B) and the Fair Credit Reporting Act (FCRA).
7. Equal Credit Opportunity Notice: We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income derives from any public assistance program, or because you have in good faith exercised any right under the Consumer Credit Protection Act. You may request information on the reasons for any adverse action within the time provided by law.
8. Communications; TCPA Consent (Optional): If you choose to provide a phone number, you may separately consent to receive calls, texts, or messages (including via autodialer or prerecorded voice) regarding your inquiry or account. Consent is not a condition of credit. You can revoke consent at any time (e.g., reply STOP to SMS/WhatsApp). Standard carrier rates may apply.

8.1: SMS:  Standard carrier rates may apply. Message and data rates may apply. Message frequency may vary. Text STOP to (305) 905-2781 to unsubscribe) or (reply STOP to stop). Customer support contact: This email address is being protected from spambots. You need JavaScript enabled to view it. (Reply HELP to receive help). Privacy Policies: https://agree-financial.com/privacy-policies

9. Third‑Party Services and Links: We may use or link to third‑party services (e.g., hosting, analytics, payment processors, identity verification, messaging). We are not responsible for third‑party content, policies, or practices. Your use of third‑party services is subject to their terms and privacy policies.
10. Payments and Online Transactions: If we offer online payment options (e.g., via Stripe), you authorize us or our processor to charge the account(s) you designate. You agree to provide accurate payment information and maintain sufficient funds/credit. Refunds, chargebacks, and returned‑payment fees (if any) are governed by your loan agreement and applicable law.
11. Intellectual Property; Limited License: All content, trademarks, logos, and software on the Site are owned by us or our licensors and are protected by intellectual‑property laws. We grant you a limited, revocable, non‑exclusive, non‑transferable license to access and use the Site for personal, non‑commercial purposes. You may not copy, modify, create derivative works, distribute, or reverse‑engineer any part of the Site without our prior written consent.
12. User Submissions and Feedback: If you submit content or feedback, you grant us a worldwide, royalty‑free, perpetual license to use, reproduce, modify, and display such content for the purposes of operating and improving the Site and Services. Do not submit confidential or proprietary information unless requested as part of an application.
13. Security; Accounts: You are responsible for safeguarding any credentials used to access features of the Site. Notify us immediately of any unauthorized use. We implement reasonable administrative, technical, and physical safeguards; however, no method of transmission or storage is 100% secure.
14. Accessibility: We strive to provide a website that is accessible to all users. If you have difficulty using the Site, contact us at This email address is being protected from spambots. You need JavaScript enabled to view it. or +1 (305) 905-2781. We will work with you to provide the information or service through an accessible channel.
15. International Use and Export Controls: The Site is controlled from the United States and intended for U.S. residents. You are responsible for compliance with local laws. You may not use the Site in violation of U.S. export or sanctions laws.
16. Disclaimers: THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON‑INFRINGEMENT, AND ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR‑FREE OR UNINTERRUPTED.
17. Limitation of Liability: TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIMS SHALL NOT EXCEED US$100 OR, IF RELATED TO A PAID TRANSACTION THROUGH THE SITE, THE AMOUNT YOU PAID IN THE 3 MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.
18. Indemnification: You agree to indemnify, defend, and hold harmless Agree Financial LLC and its managers, employees, and agents from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site or violation of these Terms.
19. Governing Law; Venue: These Terms are governed by the laws of the State of Florida, without regard to conflict‑of‑law rules. You agree to the exclusive jurisdiction and venue of courts located in Miami‑Dade County, Florida for any disputes.
20. Changes to the Site and Terms: We may modify the Site or these Terms at any time. Material changes will be posted with an updated effective date. Your continued use after changes are posted constitutes acceptance of the revised Terms.
21. Contact Us
Agree Financial LLC
Address: 8200 NW 41st St, Suite 200, Doral, FL 33166
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Phone: +1 (305) 905-2781
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Tools

Loan Calculator

Contact us

Phone

+1 (305) 905-2781

Mail

application@agree-financial.com

Address

8200 NW 41st, suite 200,
Doral, FL 33166, USA

Agree Financial

About us

Privacy policies

Terms of use

My account

Payments

Community

Customer Support

Loan hours:

8 am - 3 pm

General hours:

8am to 5pm

Weekend and holidays:

Closed

Licenses and disclosures

Licensing: Agree Financial, LLC is licensed by the Florida Office of Financial Regulation as a Consumer Finance Company (CF), License No. CF9901529. Verify our license (OFR REAL System). We offer consumer loans to residents of Florida. Typical loan amounts range from $1,000 to $21,000; Florida law permits amounts up to $25,000 under this license. Approval, APR, and terms depend on credit profile and income verification. TILA disclosures will be provided prior to consummation. We report payment history to consumer reporting agencies. Equal Credit Opportunity Act compliant.

Verify our license at: https://real.flofr.gov/datamart/loginFLOFR.do

Product Terms: Loan applications undergo credit approval. Though prior credit history isn't mandatory, credit reports are reviewed for all applicants. Payment history is reported to major credit bureaus. Prequalification won't affect your credit score until final approval. For all customers, personal loan amounts typically range from $1,000 to $21,000.

Pricing information: Pricing & Terms — No origination or prepayment fees. No hidden charges. Late or returned-payment charges, if any, are limited to what is permitted by Florida law and disclosed in your agreement. Your actual APR depends on your credit profile, amount, and term. A Truth in Lending Disclosure will detail your APR, finance charge, amount financed, total of payments, and payment schedule before you accept.

All personal loans offered by Agree Financial have an annual percentage rate (APR) based solely on interest rates. Loan durations are expressed in months, and payments are made bi-weekly or monthly, depending on the applicants' preference. The applicant selects the loan terms, and the rate is based on their credit profile. The lowest APR is available to borrowers with excellent credit.

Accessibility: We are committed to digital accessibility. If you experience difficulty using this website, please contact info@agree-financial.com or +1 (305) 905-2781. We will work to provide the information you need through an accessible channel.