Disclaimer

Important information about our services

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We Are Not a Lender

Zuvlio Holdings LLC is NOT a lender. We do not:

  • Make loans or extend credit
  • Make credit decisions
  • Determine loan eligibility
  • Set interest rates or fees
  • Broker, arrange, or negotiate loans

We operate an online platform that connects consumers with a network of independent third-party lenders. All lending decisions are made solely by these third-party lenders based on their own underwriting criteria.

No Guarantee of Loan Approval

Submitting a request through Zuvlio does not guarantee:

  • That you will be matched with a lender
  • That you will receive a loan offer
  • That you will be approved for any loan
  • Any specific loan amount, rate, or terms
  • Any specific timeline for responses or funding

Many factors influence whether you receive a loan offer, including but not limited to your state of residence, credit history, income, employment status, and each lender's specific criteria. These factors are outside of our control.

Third-Party Lender Disclaimer

If you receive and accept a loan offer, you will be entering into a legal agreement with a third-party lender, not with Zuvlio. We are not:

  • A party to any loan agreement
  • Responsible for the actions of any lender
  • Responsible for loan terms, rates, or fees set by lenders
  • Responsible for the lender's privacy practices or customer service

You should carefully review all loan documents before accepting any offer. If you have questions about a loan, contact the lender directly.

APR and Fee Disclosure

Annual Percentage Rates (APR) and fees are set by individual lenders and vary widely. Factors affecting your rate may include:

  • Your state of residence
  • The loan amount
  • The loan term
  • Your credit profile
  • The lender's policies

Short-term loans often have high APRs. If you receive an offer, the lender is required to disclose the APR and all fees before you accept. Review this information carefully.

For more information, see our Rates & Fees page.

Responsible Borrowing

Loans should be used responsibly and only for short-term financial needs. Before taking out a loan, consider:

  • Whether you can afford to repay the loan on time
  • The total cost of the loan including all fees and interest
  • Alternative options such as payment plans, borrowing from friends/family, or local assistance programs

Failing to repay a loan on time may result in additional fees, collection activities, and negative impacts to your credit. For more information, see our Responsible Lending page.

Credit Impact

Submitting a request through Zuvlio may result in:

  • Lenders performing credit checks (which may be soft or hard inquiries depending on the lender)
  • Your credit score being affected if you accept a loan and miss payments
  • Information being reported to credit bureaus by lenders

We do not control how lenders handle credit inquiries or reporting.

Availability

While we accept requests from all US states, not all lenders in our network operate in all states. Loan availability, amounts, and terms may vary by state due to differing regulations.

Information Accuracy

We strive to provide accurate information on our website, but we do not warrant that all information is complete, current, or error-free. Information about loans, rates, and lenders is subject to change without notice.

No Endorsement

The presence of any lender in our network does not constitute an endorsement or recommendation of that lender by Zuvlio. We do not evaluate or guarantee the quality, reliability, or trustworthiness of any lender.

Contact Us

If you have questions about this disclaimer, please contact us:

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