Terms of Use
These Terms of Use govern your use of this website, operated by Ladder Loans, a DBA of 27 Financial LLC ("Ladder Loans," "we," "us"). By using the site or submitting a request, you agree to these terms and to our Privacy Policy.
Our service
Ladder Loans helps you explore personal loan options. A loan specialist reviews your request and may contact you about options that fit. Submitting a request does not guarantee that you will be contacted, receive an offer, or be approved. Any loan is subject to its own written agreement, which you'll review before signing.
Eligibility
You must be at least 18 years old and a U.S. resident to use this service. You agree that the information you provide is true, accurate, and your own.
Consent to be contacted by phone
When you submit a request and check the phone consent box, you give your express written consent for Ladder Loans to call you about your loan request at the number you provided, including calls made with automated technology and artificial or prerecorded voice. Consent is not a condition of any purchase. You can revoke consent at any time by telling the caller or emailing us.
Text messaging terms
Program: Ladder Loans Customer Care. If you opt in, you'll receive text messages about your loan request and appointment reminders.
Frequency: message frequency varies.
Cost: message and data rates may apply.
Opt out: reply STOP at any time to stop receiving messages. You'll get one confirmation message and no further texts.
Help: reply HELP, email support@ladderloans.com, or call (866) 552-3337.
Carriers are not liable for delayed or undelivered messages. Opting in to texts is optional and is not a condition of any purchase. See our Privacy Policy for how we handle your information.
Credit reports
You authorize Ladder Loans to obtain a soft credit report to evaluate your request. A soft inquiry does not affect your credit score. If you accept an offer, a hard inquiry may be performed, which may affect your score.
Rates and terms
Rates, loan amounts, and repayment terms depend on factors such as your credit history, income, existing obligations, loan amount, loan term, and state of residence. Examples on this site are illustrations only.
Acceptable use
You agree not to submit false information or another person's information, interfere with the site, or use it for any unlawful purpose.
Disclaimers and limitation of liability
The site is provided "as is." To the fullest extent allowed by law, we disclaim all warranties and are not liable for indirect, incidental, or consequential damages, or for events outside our reasonable control.
Governing law
These terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules.
Changes
We may update these terms. The effective date above shows when they last changed.
Contact us
Ladder Loans (27 Financial LLC)
30 N Gould St, Ste 60757, Sheridan, WY 82801
support@ladderloans.com ยท (866) 552-3337