Terms and Conditions
First Choice Loans
Effective Date: 05-01-2026
1. Acceptance of Terms
By accessing our website, using our services, or submitting a loan application, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our services.
2. Our Service – Loan Brokerage
First Choice Loan is a loan brokerage company. We do not lend money directly. We connect individuals and businesses with third-party lenders from our network. We are not responsible for the decisions, interest rates, fees, or terms set by any lender.
3. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Have the legal capacity to enter into a binding agreement
- Provide accurate, complete, and truthful information in your application
- Be applying for a loan for lawful purposes only
We reserve the right to refuse service to anyone at our discretion.
4. Loan Applications
When you submit a loan application through our website:
- You authorize us to share your information with third-party lenders
- You acknowledge that loan approval is never guaranteed
- You understand that additional documentation may be required
- You agree that we may perform verification checks, including credit checks
5. Fees and Charges
We are transparent about our brokerage fees:
- Any fees will be discussed and agreed upon before we proceed with your application
- Fees are non-refundable once services have been rendered
- We do not charge any upfront fees without your consent
- Lender fees, interest rates, and repayment terms are set by the lender, not by us
6. Loan Approval and Disbursement
Please understand:
- Loan approval is at the sole discretion of the lender
- We do not guarantee that you will receive a loan offer
- We do not guarantee specific interest rates or loan terms
- Disbursement timelines are determined by the lender
- Making withdrawal requests during the loan process may result in termination
7. User Responsibilities
You agree to:
- Provide accurate and truthful information at all times
- Not use our services for any illegal or fraudulent purpose
- Not attempt to manipulate or bypass our application process
- Not share your account credentials with unauthorized persons
- Indemnify us against any losses resulting from false information provided by you
8. Limitation of Liability
To the fullest extent permitted by law, Easy Business Loan and its officers, employees, and affiliates shall not be liable for:
- Any indirect, incidental, or consequential damages
- Loss of profits, revenue, or business opportunities
- Actions or decisions made by third-party lenders
- Delays in processing or funding caused by lenders or external factors
- Unauthorized access to your information despite our security measures
Our total liability shall not exceed the total fees paid by you to us, if any.
9. No Warranties
Our services are provided “as is” and “as available.” We make no representations or warranties of any kind, express or implied, including but not limited to:
- Warranties of merchantability or fitness for a particular purpose
- Guarantees of loan approval or specific outcomes
- Uninterrupted or error-free operation of our website
10. Intellectual Property
All content on our website, including text, graphics, logos, and software, is the property of Easy Business Loan or our licensors. You may not copy, reproduce, distribute, or create derivative works without our express written permission.
11. Third-Party Links
Our website may contain links to third-party websites, including lenders and financial institutions. We are not responsible for the content, privacy practices, or terms of those websites. You access them at your own risk.
12. Indemnification
You agree to indemnify and hold harmless Easy Business Loan, its officers, employees, and agents from any claims, damages, losses, or expenses arising from:
- Your use of our services
- Your violation of these Terms and Conditions
- False or misleading information provided by you
- Your violation of any applicable laws or regulations
13. Termination
We reserve the right to suspend or terminate your access to our services at any time, without notice, for any reason, including but not limited to:
- Providing false or misleading information
- Attempting to defraud us or any lender
- Violating these Terms and Conditions
- Engaging in illegal or harmful activities
14. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of:
- The United Kingdom
- The Commonwealth of Europe
- The United States of America
- Depending on your location and the nature of the transaction, the applicable laws may vary. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts in the relevant jurisdiction.
15. Changes to These Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be posted on this page with an updated effective date. Your continued use of our services after any changes constitutes your acceptance of the new terms.
16. Severability
If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
17. Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Easy Business Loan regarding your use of our services and supersede all prior agreements or understandings.
18. Contact Us
If you have any questions about these Terms and Conditions, please contact us:
Email:Â loans@firstchoiceloansllc.com
First Choice Loan – Transparent Terms for Your Peace of Mind.