1. General Lending Disclosure
Northridge Lending provides information about personal and business financing through this website. Nothing on the website should be interpreted as a commitment to lend, a guarantee of approval, or a binding offer of credit unless expressly stated in final loan documents issued by the lender.
Loan availability, amounts, rates, fees, repayment terms, and eligibility requirements are subject to underwriting, verification, applicable law, and the lender's final approval.
2. Product Availability
Lending products may not be available in every state or jurisdiction. Product availability may depend on licensing requirements, borrower location, business location, requested amount, loan purpose, and other applicable restrictions.
Northridge Lending should identify the states in which it is authorized to offer each product before the website is published.
3. Advertised Credit Terms
Any specific credit terms displayed on the live website, including rates, APRs, repayment terms, payment amounts, fees, or promotional terms, should reflect terms the lender is actually prepared to offer to qualifying applicants.
Website examples and marketing content should not be interpreted as an assurance that every applicant will qualify for the same rate, loan amount, term, or payment.
4. Annual Percentage Rate and Finance Charges
For consumer credit products where an APR is required, the annual percentage rate represents the cost of credit expressed as a yearly rate. Certain fees or charges imposed as a condition of obtaining credit may be treated as finance charges and may affect the APR.
The interest rate and APR are not necessarily the same. Final disclosures provided in connection with an approved consumer loan should identify the applicable APR, finance charge, amount financed, payment schedule, and other disclosures required by law.
5. Loan Calculator Estimates
Calculators on this website are provided for informational and planning purposes. They use example assumptions to estimate monthly payments, interest, and total repayment.
Calculator results:
- Do not constitute a loan approval
- Do not constitute a commitment to lend
- Do not guarantee a particular APR, interest rate, fee, loan amount, term, or payment
- May not include every fee or finance charge that could apply to a final loan
- May differ from the terms offered after underwriting and verification
6. Approval and Underwriting
All applications are subject to lender review. Approval may depend on information including income, credit profile, existing obligations, repayment capacity, business performance, time in business, requested loan purpose, supporting documentation, and other underwriting criteria permitted by law.
Northridge Lending may approve, decline, modify, or request additional information regarding any application. An applicant may be approved for an amount or term different from the amount or term originally requested.
7. Personal Loan Disclosures
Personal loan requests may be submitted through the website up to the maximum amount displayed for the product. The maximum request amount is not a guarantee that an applicant will qualify for that amount.
Personal loan proceeds should be used only for purposes permitted by the lender and applicable law. Final loan terms, including APR, fees, repayment term, and monthly payment, are provided only after the lender completes its review.
8. Business Loan Disclosures
Business financing is intended for qualified commercial purposes. Business loan terms may depend on the applicant business's revenue, cash flow, operating history, ownership, existing obligations, requested use of funds, and supporting financial information.
Business-purpose financing may be subject to different federal and state requirements than consumer-purpose credit. The final disclosure package should reflect the specific product and jurisdiction involved.
9. Business Requests Above $2,000,000
Business financing requests above $2,000,000 are not priced through the public website calculator. Larger requests may involve more detailed underwriting, additional documentation, different repayment structures, or individually determined pricing.
Submission of a larger business financing enquiry does not constitute approval or an offer of credit.
10. Fees and Other Charges
The lender should disclose any origination fee, application fee, finance charge, late fee, returned-payment fee, prepayment term, or other borrower charge applicable to a specific product before the borrower becomes contractually obligated.
No fee should be described in a manner that obscures its role in the cost of credit. Where required by law, applicable charges should be reflected in the disclosed APR or finance charge.
11. Electronic Communications and Disclosures
Applicants may receive application information, notices, disclosures, or other communications electronically where permitted and where any required consent has been obtained.
Any electronic-signature or electronic-disclosure process used in production should comply with applicable law and should clearly identify the documents and communications covered by the applicant's consent.
12. Licensing and Regulatory Information
Certain states require specific lender licenses, registration numbers, consumer notices, rate disclosures, complaint information, or other language to appear on a lender's website. This page should be supplemented with any state-specific disclosures required for the jurisdictions in which Northridge Lending offers personal or business financing.
Some jurisdictions require specific complaint contacts, regulator links, or consumer notices to appear on a lender's website.
13. Contact Northridge Lending
Questions about these disclosures may be directed to: