Terms & Conditions

Loan amounts vary from $10,000.00 to a maximum of $100,000. Not all lenders are capable of providing loans in the amount of $100,000.

Credit Certification and Authorization

Pathly Holdings Inc (Pathly) is a licensed lender in Delaware, Florida, California, Wisconsin and South Dakota. Loans are not available in all states. Pathly provides loan referral and consulting services in Alabama, Arizona, Idaho, Iowa, Louisiana, Maryland, Michigan, Missouri, Montana, New Mexico, North Carolina, Ohio, Pennsylvania, Texas, Alaska, Arkansas, Kentucky, Massachusetts, Nebraska, New York, Oklahoma, Indiana, Washington D.C. and Wisconsin. Loans issued by Pathly are governed under state permitted usury laws. Your loan agreement will clearly identify the lender. For detailed information concerning Pathly licensing information please visit www.pathlyoffers.com

Pathly has no control over participating third-party lender creditworthiness eligibility criteria. APR/Interest rates will vary depending on individual Pathly terms. This offer is subject to certain provisions, as detailed in the Important Pre-Selected Information and Terms and Conditions for This Offer section below. 

By sending an application to info@pathlyoffers.com or by calling us at (866) 978-6486, you authorize us to make inquiries and obtain and confirm information about you as we deem appropriate for the purpose of evaluating your eligibility for this extension of credit, including obtaining credit reports, verifying your income, and contacting your employer. You also authorize us to provide identification information about you, and our credit experience information with you to others in accordance with applicable law. Duplicate offers received as a result of multiple mailings to the same person are void, as are multiple acceptances of the same offer. This offer is subject to the expiration date listed on the front page.

Pathly does not endorse any participating lenders or brokers. Pathly will not charge you an up-front fee for referring you to a participating lender, but will only charge a success fee once you receive a loan. Cash transfer times may vary among participating lenders and may depend on your individual financial situation. This service and qualified participating lenders are not available in all states. For details, questions, or concerns regarding your requested loan, please contact your lender directly. 

Pathly may or may not perform additional credit checks with the three major credit reporting bureaus: Experian, Equifax, or TransUnion. Pathly may perform alternative credit checks or consumer reports through alternative providers. By submitting your offer acceptance, you are authorizing lenders to independently verify the information you submitted and your creditworthiness. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This service and offer are void where prohibited.

*Important Pre-Selected Information and Terms and Conditions for This Offer

Lenders we refer you to may be unable to extend credit, if, after you respond to this offer, Pathly determines that you no longer meet the criteria established prior to this offer. This offer may be accepted only by the person identified in this letter. Account approval is subject to verification and confirmation of your credit history and acceptance by Pathly.

• To be eligible to receive offer you must be a U.S. citizen or permanent resident, be at least 18 years old, have a valid bank account and Social Security Number/FEIN.

• We or the lender may request verification of income and employment from your employer(s). Self-employed or commissioned applicants may be asked for the past two years of income tax filings. Alimony, child support or separate maintenance income need not be disclosed if you do not wish us to consider it as a basis for repayment.

• A consumer credit report will be obtained and reviewed to verify, among other things, your identity. Upon request, you will be informed the name and address of the credit reporting agency furnishing any such report. Subsequent consumer credit reports may be requested and used in connection with an update, renewal, or extension of credit.

• Offers expire on the date indicated herein. If we receive a response to this offer after the expiration date, Pathly may refer you to other lenders. If you choose to apply for a loan through a lender we refer you to, a consumer report will be obtained to evaluate your creditworthiness in connection with your application for credit.

• If we receive your response after the expiration date or the name and address on this offer differs from the information you provide to us, we will treat your response as an application for credit that was not prescreened. If you choose to continue that application, a consumer report will be obtained to evaluate creditworthiness in connection with your application for credit.

• If you omit, misrepresent or falsify any information on an application for a loan, the lender may deny your request for an account.

• Interest rates will vary and are based on lender terms. Ranges from 5%-35.36%. For example, with a credit grade of A1 you could receive a loan of $10,000 with an interest rate of 5% and a 1.11% origination fee of $111 for an APR of 5.74%. In this example you will receive $9,889 and will make 36 monthly payments of $299.66. Your APR will be determined based on your credit at time of application. There is no down payment and there is never a pre-payment penalty. Closing of your loan is contingent upon your agreement to all of the required agreements and disclosures on the www.pathlyoffers.com website.
  
• La información, los términos y las condiciones de esta oferta estan disponibles en español a pedido. (Information, Terms, and Conditions for this Offer are available in Spanish at www.pathlyoffers.com
  

License Number: 2023708032