Terms and Conditions

1. Acceptance of Terms

By accessing or using the website operated by Advantage First Financial, LLC (“Advantage First,” “we,” “us,” or “our”), located at advantagefirst.com (the “Site”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to all of these Terms, do not use this Site.

2. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use this Site or apply for any financial product or service offered through Advantage First. By using this Site, you represent and warrant that you meet these eligibility requirements.

3. Services Offered & Direct Lending Authority

Advantage First Financial, LLC is a licensed direct lender regulated by the Texas Office of Consumer Credit Commissioner (OCCC Regulated Lender License #173702) and the Utah Department of Financial Institutions (NMLS ID #2674295). We offer personal loan products and loan consolidation solutions through our direct origination and trusted partner network.

Personal loan offers presented to customers feature rate quotes from Advantage First Financial, LLC with Annual Percentage Rates (APR) not exceeding 35.99% and loan terms ranging from 12 months to 72 months. Actual rates, terms, and loan amounts depend on factors such as credit score, credit history, loan amount, loan term, and state of residence.

4. No Guarantee of Approval

Submitting an application through this Site does not guarantee approval for any loan or financial product. All applications are subject to credit review, underwriting criteria, and verification of information provided. Advantage First reserves the right to decline any application at its sole discretion in accordance with fair lending laws.

5. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting any application or form through this Site. Providing false, misleading, or fraudulent information may result in denial of your application and potential civil or criminal liability.

6. Credit Authorization (FCRA)

By submitting an application, you provide written instructions to Advantage First under the Fair Credit Reporting Act (FCRA) authorizing Advantage First to obtain information from your personal credit report from Experian, TransUnion, and/or Equifax for the purposes of evaluating your loan application, loan consolidation eligibility, and fraud prevention.

7. SMS / Text Messaging Terms

Program Description: By opting in to receive SMS messages from Advantage First Financial, LLC, you consent to receive text messages regarding your loan inquiry, application status updates, promotional offers, and related informational communications at the mobile number you provided. Messages may be sent using an autodialer or conversational messaging technology.

Message Frequency: You may receive up to 10 messages per month. Message and data rates may apply depending on your mobile carrier and plan.

Opt-Out: You may opt out of receiving text messages at any time by replying STOP to any message. After opting out, you will receive a one-time confirmation message and no further SMS communications will be sent. For assistance, reply HELP or contact us at info@advantagefirst.com or (800) 344-1202.

Consent: Consent to receive SMS messages is not a condition of purchase, applying for a loan, or receiving any financial service from Advantage First Financial, LLC.

Supported Carriers: Compatible with most major US carriers including AT&T, Verizon, T-Mobile, Sprint, U.S. Cellular, Boost Mobile, MetroPCS, Cricket, Virgin Mobile, and others. Carriers are not liable for delayed or undelivered messages.

No Data Sharing: We do not sell, rent, or share your phone number or opt-in status with third parties for their marketing purposes. Your information is used solely to facilitate your loan inquiry and related Advantage First Financial communications.

8. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be resolved exclusively in the state or federal courts located in Orange County, California.

9. Contact Information