Effective Date: March 20, 2026
By accessing the Credixs website (the “Website”), you agree to be bound by these terms and conditions (the “Terms”). Please read these Terms carefully. If you do not agree to these Terms, please exit the Website immediately.
LOAN REFERRAL SERVICE
Our loan referral service (the “Service”) connects consumers with prospective lenders participating in our network (the “Lender Partners”). To use the Service, you must complete an online request form (a “Request Form”) that requests personal information from you, including your name, address, telephone number, email address, social security number, bank account information, and employment information. Our collection and use of this information is subject to the Website’s Privacy Policy, which is incorporated into these Terms.
CREDIT DECISIONS
Credixs is not a lender and does not make loans or credit decisions. Credixs does not guarantee that any Lender Partner will offer you a loan or that any loan offer will contain any specific loan terms or conditions. Credixs does not guarantee that the price, product, availability, rates, fees, or any other loan terms offered and made available by Lender Partners through the Service are the best terms available in the market.
Once you submit a Request Form, Credixs shares your information with our Lender Partners. By submitting a Request Form, you understand and agree that you are requesting loan offers from the Lender Partners. You are also agreeing that Credixs and the Lender Partners may contact you by any means (including email, telephone, SMS, and direct mail) so that they may assist in processing your Request Form or provide information to you about additional offers now or in the future.
Lender Partners who receive your Request Form review your information in real-time to determine whether your information meets the Lender Partner’s underwriting criteria. Lender Partners may use your Request Form information to perform a credit check. This credit check may be a formal credit inquiry which leaves a record on your credit report and may affect your credit score (a “Hard Check”). Or it could be an informal inquiry which will not affect your credit (a “Soft Check”). These credit checks may be performed through TransUnion, Equifax, or Experian (the “Big Three”) or they may be performed through other alternative credit reporting agencies or data aggregators that track consumer transactions with lending institutions.
ELECTRONIC DISCLOSURE
By Submitting your Request Form you agree to receive notifications, disclosures, and other documents and communications both from Credixs and from our Lender Partners. If you are connected to a Lender Partner, that lender may require you to execute an electronic loan contract. This electronic loan contract will be as binding as a loan contract in paper form. Your electronic signature will be as valid as a physical signature on a paper loan contract.
INDEMNITY
As a condition of using the Website or the Services, you agree to indemnify Credixs and the Lender Partners from and against any and all liabilities, expenses (including attorney’s fees) and damages arising out of claims resulting from your use of the Website, including any claims alleging facts that if true would constitute a breach by you of these Terms.
DISPUTE RESOLUTION
Any claim or controversy arising out of or relating to the use of the Website, to the use of the Service, or to any acts or omission for which you may contend Credixs is liable (a “Dispute”), will be settled exclusively by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association in effect at that time. BY AGREEING TO THESE TERMS, YOU GIVE UP YOUR RIGHT TO SETTLE ANY DISPUTES WITH CREDIXS IN A COURT OF LAW OR BEFORE A JURY. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS.
SMS TERMS & CONDITIONS
By providing a mobile phone number you are opting in to communications via SMS from Credixs and the Lender Partners. These communications may include a follow-up SMS message containing a link to your completed loan Request Form, payment reminders from Lender Partners, and future offers.
QUESTIONS
You may direct any questions concerning these Terms to:
Credixs Regulatory Compliance
Email: legal@credixs.com
© 2026 Credixs, Inc. All rights reserved. Licensed in 50 States.