Nation 21 Loans’s Terms and Conditions
We are compliant with the Patriot Act and as such, the law requires us to implement means of requesting and retention in our records all the data that is necessary for the verification of your identity.
By design, a short-term loan is supposed to offer the money needed to solve a short-term financial problem. Therefore, it shouldn’t be used as a remedy for long-term financial problems that should be solved through long-term loans. At times, it’s a good idea to seek advice about your financial situation from a non-profit financial counselor around your area.
This website is only available for use by individuals who are capable of entering into a legally binding contract in the light of applicable laws. Therefore, this website is not for use by anyone who is below the age of 18 years. If you have not attained the age of 18 years, you do not have the authorization to access and/or use this site.
Acceptance of the Agreement
Please note that you are in agreement with all the terms and conditions stipulated in the Agreement with regard to your usage of the website the moment you access the website. The agreement comprises the only agreement there is between you and Nation21 Loans with regard to your usage of the website and stands above any prior agreement, warranties, representations, and understanding with regard to this website. At our discretion, we can make frequent changes to the agreement without notice to you; as long as all modifications and amendments to class action provisions, arbitration provisions, and any provision for dispute resolution, shall not affect any dispute that arises before the modifications or amendments. The most recent agreement shall be posted on the website and it’s your responsibility to review the terms before using the website. By continuing to use this website, you have agreed with and are bound by the entire terms and conditions that are contained in the agreement effective at the time of use. Therefore, you bear the responsibility of frequently checking this website for any changes and updates.
Description of this website
This website offers the users the opportunity to submit applications for loan-related products, information, and services from third-party service providers affiliated to Nation21 Loans. All users should be advised that Nation21 Loans doesn’t provide the loan information and products, and all the terms and conditions relating to any loan products and information offered by the third party providers are determined by the respective third-party provider. For you to qualify to be a recipient of loan products and information from Nation21 Loans’ third party providers you are required to fully complete an application form located on our website and the application form found on the websites of respective third party providers. The data that you are required to submit in the application form include but in no way limited to:
- Your full names
- Email address
- Physical mailing address
- Home, work as well as mobile phone numbers and the most appropriate time to call
- The nature of your current citizenship
- Date of birth
- Whether you have attained the age of 18 years
- Whether you own a home or live in a rented house
- Whether you or your partner is an active member of the US military
- Your current occupation, name of employer, and the duration you’ve been on the job
- The time at your current location
- The specific loan amount requested
- Your annual income prior to tax
- Frequency of your payments
- How the payment gets to you
- The expected date for the next two paychecks
- Names and contacts of your two personal references
- Any information that may be requested during the registration process
When you enter your personal information and click submit, the data will be transmitted to an applicable third-party provider. At the same time, the information that you are required to the third party provider is dependent on the specific third-party provider in question. All third-party provider application approvals and the associated terms and conditions for any products or services on offer are determined by the third-party provider. Nation21 Loans will conduct the verification and approval of the completed site applications as well as all the information linked to the registration, in strict observance of our existing verification procedures. All users agree to submit accurate, true, and complete information for registration. Nation21 Loans, as well as third-party providers, have the exclusive right to reject any data when it comes to our attention that:
- The data submitted is not complete, duplicate, fraudulent, or unacceptable
- You have breached the agreement
In addition, Nation21 Loans and the respective third-party providers are at liberty to alter the registration data requirements at any time without consultations.
Unless clearly stated otherwise, all the future offers availed to you on this website that is meant to complement or enhance any current feature of the website shall be governed by this agreement. You clearly understand and consent that Nation21 Loans is in no way responsible for your inability to use, qualify for a loan product, information as well as any other related functions.
All users understand and agree that Nation21 Loans shall in no way be liable to any user, third parties, for any suspension, modification, and discontinuation of any of the loan products, related information, services, or promotions availed by the third-party providers affiliated to Nation21 Loans. In the event where Nation21 Loans, decides to terminate the agreement, Nation21 Loans shall have neither a liability nor a responsibility to any user. Therefore, you should understand that desisting from using this website is your only right and solution with regard to any dispute with Nation21 Loans.
Not all of the products or services offered through this website may be available in all states or jurisdictions. The terms of these services may differ due to the applicable laws of a state. We are not required to provide products or services that are legally barred in a jurisdiction.
Acceptance of Loan Request
Once your profile in our site has been successfully set up, you may receive an electronic order confirmation. This does not in any way imply that your loan request has been accepted or that any offer has been made to you.
One Nation 21 has reviewed the details in your profile and loan request, we have the right to accept or decline the loan request. Although Nation 21 may follow up and ask you for missing information, it is your responsibility to ensure that you have provided all details that prove your eligibility.
The right to Credit Check
Once you submit your personal financial information to us, you have permitted both us and selected lenders to obtain and review the information about your credit profile and related information. The review may of your credit information will probably not determine whether you get the loan you requested. However, it may advise the terms of your loan, if granted.
Verification of Income details
It is important for you to declare your income details when applying for the loan. This information has a bearing on the loan offer the lenders will make and terms. As a result, Nation 21 forwards this information to our lenders to help them draft a suitable loan offer. By submitting your income information to Nation 21, you give consent to our lenders to verify the information.
All users of the site are hereby granted a non-transferable, non-exclusive, limited, and revocable license to access as well as use this website and the related content in compliance with the agreement.
Nation21 Loans reserves the right to terminate this license for any reason at any time. Therefore, you may use the website on one computer albeit for personal and non-commercial purposes. You are prohibited from reproducing any part of this website in any way or have it incorporated in any information retrieval systems whether mechanical or electronic. Similarly, all users are prohibited from copying, using, emulating, rent, clone, lease, sell, decompile, modify, disassemble, transfer, and reverse engineer the content on the site or any portion thereof. Nation21 Loans reserves any right that has not been explicitly granted to users in the agreement. You should not use any software, device, or routines for the purpose of interfering with the normal working of the website. All users should not take any action of any nature that introduces an unreasonable large load on Nation21 Loans infrastructure. Your right of usage for this website is non-transferable.
The content, graphics, organization, design, magnetic translation, compilation, digital conversion, services, software, and other aspects related to this website are subject to protection under applicable, trademarks, copyrights, as well as other proprietary rights. The redistribution, copying, sale, publication of any part of the website by you is prohibited. The systematic retrieval of any material from this website by automated methods as well as any other form of data scrapping for the purposes of compiling directly or indirectly, collections, compilations, databases, or directories without a clearly written consent from Nation21 Loans is strictly prohibited. No user has ownership rights to any document, content, software, services as well as related materials viewed on the website. The posting of both materials and information on this website by Nation21 Loans does not equal to waivers of any right associated with the materials and information.
Any trademarks or logos used on this website that refer to Nation21 is the wholly-owned property of ours. No persons or groups may use these intellectual properties without written authorization from us.
Deleting, modification and editing
We reserve the exclusive rights to edit or delete any information, documents, or any other content that appears on the website without consultations.
Any attempt of any kind by anyone to destroy, damage, vandalize, tamper with or interfere in any way with the normal operation of the website is a direct violation of both civil and criminal law and Nation21 Loans will pursue all applicable remedies against any offending entity to the maximum extent as provided by the law as well as equity.
You have agreed to indemnify as well as hold nation21 Loans, its subsidiaries, parents, affiliates, and each related member, directors, officers, agents, employees, co-branders and all other partners, harmless from any claim, damage, expenses, costs, suits, adjustments, and demands made by third-party provider arising from:
- Your partial or full breach of the agreement
- Your access and use of this website, as well as loan products and information
- Any dispute that may arise between you and any third-party provider
- Your partial and/or total violation of the rights of another entity
The provisions in this entire paragraph are meant for the benefit of Nation21 Loans, its subsidiaries, parents, affiliates, as well as all their associated directors, officers, employees, members, agents, licensors, shareholders, attorneys, and suppliers. Each individual and entity recorded herein has the exclusive right to assert as well as enforce these provisions against you on behalf of Nation21 Loans.
Disclaimer of warranties
THE WEBSITE, ANY INFORMATION, AND LOAN PRODUCTS THAT YOU RECEIVE FROM ANY OF OUR AFFILIATED THIRD PARTY PROVIDERS AS WELL AS ANY OTHER PRODUCT OR SERVICE THAT YOU MAY SEEK HERE, OR APPLY TO RECEIVE THROUGH THIS WEBSITE ARE ALWAYS PROVIDED TO YOU STRICTLY ON AN AS-IS BASIS AND AS AVAILABLE BASIS. ALL WARRANTIES, WHETHER EXPRESSED OR IMPLIED, ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT AS PERMITTED BY THE APPLICABLE LAWS. SPECIFICALLY, BUT NOT TO IMPOSE A LIMITATION, NATION21 LOANS DOES NOT MAKE ANY WARRANTIES THAT EXPRESS OR IMPLIES THAT:
- THE WEBSITE, ANY LOAN PRODUCT, AND ASSOCIATED INFORMATION THAT YOU RECEIVE FROM THE RESPECTIVE THIRD PARTY PROVIDERS AFFILIATED TO US AS WELL AS ANY ADDITIONAL PRODUCT OR SERVICE THAT YOU MAY REQUEST OR APPLY TO RECEIVE THROUGH OUR WEBSITE WILL SATISFY YOUR SPECIFIC REQUIREMENTS.
- THIS WEBSITE, ANY LOAN PRODUCT/INFORMATION, AND ANY OTHER SERVICE, PRODUCTS OR DATA THAT YOU MAY INQUIRE OR APPLY THROUGH THIS WEBSITE WILL BE TIMELY, UNINTERRUPTED, FREE OF ERROR, OR SECURE.
- YOU WILL QUALIFY TO RECEIVE A LOAN, INFORMATION OR ASSOCIATED PRODUCTS FROM ANY THIRD PARTY PROVIDER AFFILIATED TO NATION21 LOANS.
- THE RESULTS THAT YOU GET AS A RESULT OF ACCESSING AND USING THIS WEBSITE, AS WELL AS LOAN PRODUCTS AND INFORMATION, WILL AT ANY TIME ARE RELIABLE OR ACCURATE.
THIS WEBSITE AND THE LOAN PRODUCTS OR INFORMATION MAY BEAR ERRORS, BUGS, PROBLEMS AS WELL AS OTHER LIMITATIONS. WE ARE NOT RESPONSIBLE IN ANY WAY FOR THE AVAILABILITY OF THE INTERNET CONNECTIONS RELATED TO THIS WEBSITE. THEREFORE, NO INFORMATION OR ADVICE WHETHER WRITTEN OR ORAL OBTAINED BY ANY USER FROM NATION21 LOANS, ANY ASSOCIATED THIRD-PARTY PROVIDERS OR THROUGH ANY OTHER MEANS FROM THE WEBSITE, SHALL BE EQUAL TO ANY WARRANTY THAT HAS NOT BEEN EXPRESSLY STATED IN THIS AGREEMENT.
Limitation of liability
YOU CLEARLY UNDERSTAND AND AGREE THAT NATION21 LOANS SHALL TAKE NO LIABILITY TO OR ANY THIRD PARTIES RESULTING FROM INDIRECT, DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL AND EXEMPLARY DAMAGES EMANATING ENCOMPASSING BUT NOT WITH A LIMIT TO, DAMAGES TO LOSS OF GOODWILL, PROFITS, DATA, USE, AS WELL AS ANY OTHER INTANGIBLE LOSS (INCLUDING IN THE EVENT WHERE NATION21 LOANS HAS BEEN FULLY INFORMED OF THE LOOMING POSSIBILITY OF SUCH DAMAGES), TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS FOR:
- THE USE AS WELL AS INABILITY TO USE THE WEBSITE, ANY LOAN PRODUCTS, INFORMATION THAT YOU RECEIVE FROM ANY THIRD PARTY PROVIDER, AND ANY ADDITIONAL PRODUCT OR INFORMATION THAT YOU MAY CHOOSE TO REQUEST THROUGH THIS WEBSITE.
- THE ENTIRE COST OF PROCUREMENT OF ANY SUBSTITUTE GOODS OR SERVICES EMANATING FROM ANY DATA, GOODS, INFORMATION, AND SERVICES OBTAINED OR PURCHASED FROM, OR ANY TRANSACTION THAT HAS BEEN MADE THROUGH THE WEBSITE
- YOUR FAILURE TO QUALIFY FOR ANY LOAN PRODUCTS OR INFORMATION OFFERED BY AFFILIATED THIRD-PARTY PROVIDERS, OR ANY CONSEQUENTIAL DENIAL OF A LOAN PRODUCT OR INFORMATION FROM A THIRD PARTY PROVIDER IN QUESTION.
- ANY OTHER MATTER THAT RELATES TO THE WEBSITE, ANY LOAN PRODUCT OR INFORMATION AS WELL AS ANY ADDITIONAL PRODUCT AND SERVICE THAT YOU MAY CHOOSE TO APPLY FOR THROUGH THIS WEBSITE.
THEREFORE, THIS LIMITATION IS WHOLLY APPLICABLE TO ANY CAUSE OF ACTION INCLUDING BUT IN NO WAY LIMITED TO BREACH OF WARRANTY, BREACH OF CONTRACT, NEGLIGENCE, MISREPRESENTATIONS, STRICT LIABILITY, AS WELL AS ANY OTHER TORTS. YOU HEREBY AGREE TO RELEASE NATION21 LOANS AS WELL AS ALL ITS ASSOCIATED THIRD PARTY PROVIDERS FROM ANY POSSIBLE OBLIGATION, LIABILITY, AND CLAIMS THAT ARE ABOVE THE LIMITATIONS THAT HAVE BEEN STATED HEREIN. IN THE EVENT WHERE THE APPLICABLE LAW DOESN’T ALLOW THE LIMITATION IN QUESTION, THE MAXIMUM LIABILITY OF NATION21 LOANS TO ANY ENTITY UNDER ANY CIRCUMSTANCES IS FIXED AT $500.00. AS SUCH, YOU HEREBY HOLD NATION21 LOANS FREE FROM ALL LIABILITIES, OBLIGATIONS, AND CLAIMS THAT SURPASS THE ENTIRE LIMITATIONS RECORDED IN THIS SECTION. THE NEGATION OF ALL THE DAMAGES RECORDED ABOVE IS THE FUNDAMENTAL BASIS OF ANY BARGAIN THAT MAY TAKE PLACE BETWEEN ANY ENTITY AND NATION21 LOANS. THIS WEBSITE, ANY LOAN PRODUCT, ASSOCIATED INFORMATION RECEIVED BY YOU FROM THIRD-PARTY PROVIDERS AND OTHER PRODUCTS OR SERVICES THAT YOU MAY DECIDE TO REQUEST THROUGH THE WEBSITE WILL NOT BE AVAILED TO YOU DEVOID OF THE MENTIONED LIMITATIONS.
This website may offer or refer users to links to other websites or resources that include but with no limitation to, websites owned and operated by respective third party providers. Since Nation21 Loans has no control whatsoever over the websites and resources offered by third-party providers, you hereby understand and agree that Nation21 Loans bears no responsibility with regard to the availability of any third-party website or resources. In addition, nation21 Loans doesn’t endorse and is in no way liable or responsible for any privacy policies, terms and conditions, advertising, content, products, services, and additional materials offered from the respective third-party website or resources as well as any losses and damages that may arise from them.
Dispute resolution provisions
This agreement shall be considered as if it were performed and executed in Chandler, Arizona, and shall, therefore, be subject to the State of Arizona laws. In the event where a dispute arises in regard to the terms and conditions contained in the agreement or a breach of the agreement by any entity, all parties are in unanimous agreement to forward the dispute for the purpose of resolution to the American Arbitration Association in Chandler, in compliance to the current Commercial Arbitration Rules. Any award rendered in relation to the case shall be final to all involved parties and judgment may be issued in any competent court. Nothing in this agreement shall be construed to deny any party from their right to seek injunctive relief in a bid to secure its rights awaiting the final outcome of the arbitration procedure. With regard to what is permissible by the applicable laws, you are in agreement that you won’t join, bring, or be a party to any class-action lawsuits with regard to any dispute, claim, or controversies that you may hold against Nation21 Loans as well as its officers, employees, directors, representatives, members, and agents. You hereby agree to seek an injunction in a bid to stop such lawsuits as well as have your participation withdrawn. In addition, you understand and agree that you are responsible for covering the legal fees for such lawsuits. This provision serves the purpose of participating in class lawsuits and:
- Doesn’t translate into a waiver for any user rights as well as remedies to pursue claims individually
- It is an independent agreement
In the event where any part of this agreement is rendered invalid or unfit for enforcement, that section shall be interpreted with regard to the current and applicable laws but the remaining portions shall retain their full binding power. The current agreement is personal between any user and Nation21 Loans and it serves the purpose of governing the usage of the website. As such, it supersedes all previous agreements between any user and Nation21 Loans. In the instance where anything that is directly present or associated with the website, as well as any other offerings by Nation21 Loans, shows inconsistency or conflict with the agreement, the current agreement will always take precedence. Intentional and unintentional failure on our part to enforce any part of this agreement shall not be considered as a waiver of the provision in question or our right to carry out enforcement. All parties involved have no intention of creating any partnership or agency relationship through the operation of this agreement.
In case you have any queries relating to the agreement, or you would like to get more information from Nation21 Loans, feel free to contact us at or send an email at:
Applying does NOT affect
your FICO® credit score!