1. Acceptance of These Terms
By accessing or using the Northridge Lending website, you agree to be bound by these Terms of Use and any additional policies or notices referenced on the website.
If you do not agree to these Terms of Use, you should not use the website or submit information through any online form.
2. Eligibility to Use the Website
You may use the website only if you are legally capable of entering into binding agreements and your use of the website does not violate applicable law.
Lending products may not be available in every state or jurisdiction. Availability is subject to licensing, regulatory requirements, underwriting criteria, and the lender's approved operating markets.
3. Use of the Website
The website is provided to allow users to learn about Northridge Lending, review personal and business loan information, estimate certain payments, submit enquiries, and apply for financing.
You agree to use the website only for lawful purposes and in a manner consistent with these Terms of Use.
4. Loan Calculator and Estimates
Loan calculator results are provided for informational and planning purposes only. Any payment, APR, interest amount, or total repayment shown by a calculator is an estimate based on the inputs selected and the example assumptions used on the website.
Calculator results do not constitute:
- A loan approval
- An offer or commitment to extend credit
- A guarantee of a particular interest rate or APR
- A guarantee of any specific loan amount, repayment term, fee, or monthly payment
Final pricing and loan terms, if any, are determined only after the lender reviews the application and any supporting information required for underwriting.
5. Loan Applications and Business Enquiries
Information submitted through a personal loan application, business loan application, or business financing enquiry is used to evaluate the requested financing and determine whether additional information is required.
You are responsible for ensuring that all information provided is accurate, current, and complete. Submission of an application does not create a lender-borrower relationship and does not obligate Northridge Lending to offer or provide financing.
Business financing requests above $2,000,000 may require a more detailed review and may not be priced through the public website calculator.
6. No Guarantee of Approval
All loan applications are subject to eligibility requirements, underwriting, verification, documentation, lender review, and applicable law.
Northridge Lending may approve, decline, modify, or request additional information in connection with any financing request. Approved terms may differ from the amount, term, rate, or payment shown in any website example or calculator.
7. Accuracy of Website Information
Northridge Lending intends to provide accurate and current information on the website. However, product information, rates, terms, availability, regulatory requirements, and other website content may change from time to time.
In the event of any conflict between general website content and the final written terms of an approved loan, the final loan documents control.
8. Third-Party Services and Links
The website may use or link to third-party services, including hosting providers, communications services, identity-verification providers, financial-data providers, analytics tools, credit providers, or other vendors.
Northridge Lending is not responsible for the content, security, availability, or privacy practices of independent third-party websites or services. Use of those services may be subject to separate terms and privacy policies.
9. Intellectual Property
Unless otherwise stated, the website, its design, text, graphics, logos, software, calculators, layout, and other content are owned by or licensed to Northridge Lending and are protected by applicable intellectual-property laws.
You may use the website for personal or legitimate business purposes related to evaluating or applying for financing. You may not reproduce, distribute, modify, scrape, republish, or commercially exploit website content without prior written permission.
10. Prohibited Conduct
You may not:
- Submit false, misleading, fraudulent, or incomplete information
- Attempt to access another person's application or protected information
- Interfere with the operation or security of the website
- Introduce malicious code, automated attacks, or unauthorized scraping tools
- Use the website to commit fraud, identity theft, or any unlawful activity
- Attempt to reverse engineer or circumvent website security or access controls
- Use the website in a manner that could damage Northridge Lending, its systems, or its users
11. Disclaimers
The website and its content are provided on an "as is" and "as available" basis to the extent permitted by law.
Northridge Lending does not warrant that the website will be uninterrupted, error-free, or free from harmful components, or that all information will always be complete or current.
Nothing on the website constitutes legal, tax, accounting, investment, or financial-planning advice. Users should obtain independent professional advice where appropriate.
12. Limitation of Liability
To the fullest extent permitted by applicable law, Northridge Lending and its affiliates, officers, employees, service providers, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to use of the website.
Any limitation of liability should be interpreted only to the extent permitted under applicable federal and state law.
13. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless Northridge Lending and its affiliates, officers, employees, and agents from claims, liabilities, losses, or expenses arising from your unlawful use of the website, violation of these Terms of Use, or submission of fraudulent or unauthorized information.
14. Governing Law and Dispute Resolution
These Terms of Use should be governed by the laws of the state specified in the lender's final legal documents, without regard to conflict-of-law principles.
Any forum-selection, arbitration, class-action waiver, jury-trial waiver, or dispute-resolution provision should be included here only after review by the lender's US legal counsel.
15. Changes to These Terms
Northridge Lending may update these Terms of Use from time to time to reflect changes in the website, products, legal requirements, or business operations.
The revised version should be posted on this page with an updated effective date. Continued use of the website after an update constitutes acceptance of the revised terms to the extent permitted by law.
16. Contact Us
Questions about these Terms of Use may be directed to: