Terms of Use

Last updated September 25, 2026

These terms apply to your use of this website, operated by Arjona Lending Group (“we”, “us”). By requesting a loan or creating an account, you agree to them.

1. Who can apply

You must be at least 18 years old and a resident of a state where we offer loans (currently Florida). Access to the application may require an invitation code.

2. Applying does not guarantee a loan

We review every application and may approve, decline or offer different terms at our discretion, in line with fair-lending laws. Nothing on this website is an offer to lend until we send you a written loan offer and you sign it.

3. Your loan agreement controls

If you receive a loan, its terms — including the interest rate, payments, fees and your rights — are set by the loan agreement you sign. If anything in these terms conflicts with your loan agreement, the loan agreement controls.

4. Accurate information

You agree to give complete and truthful information and to update us if it changes. Giving false information to obtain a loan may be a crime and is a default under your loan agreement.

5. Credit check

When you apply, you authorize us to obtain your credit report through a soft inquiry, which does not affect your credit score.

6. Electronic communications and signatures

You agree to receive notices, disclosures and documents electronically (by email and on this website) and to sign electronically. Keep your email address current. You may ask for a paper copy of any document at no charge.

7. Your account

Keep your password private and tell us right away if you think someone else has used your account. You are responsible for activity in your account until you tell us. We may suspend access to protect you or us.

8. Payments

Payments are made as described in your loan agreement. By linking a bank account, you confirm that you are authorized to use it and you authorize the payments you or your autopay setting request.

9. Acceptable use

Do not misuse this website: no attempts to access other people's information, to disrupt or probe the site, or to use automated tools to submit applications.

10. Privacy

How we handle your information is explained in our Privacy Policy, which is part of these terms. We do not sell your personal information.

11. Disclaimers and limits

We work to keep this website accurate and available, but it is provided “as is” and may occasionally be unavailable, for example during updates. To the extent the law allows, we are not liable for indirect or consequential losses from using the website. Nothing here limits your rights under your loan agreement or under consumer protection laws.

12. Governing law

These terms are governed by the laws of the State of Florida and applicable federal law. Disputes will be handled in the courts of Orange County, Florida, unless your loan agreement says otherwise.

13. Changes

We may update these terms. The version in effect when you apply applies to that application; we will post changes here with a new date.