Terms & Conditions

Acceptance of Terms

By accessing, browsing, or submitting an application on this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any portion of these terms, please do not use our services or submit an application.

Nature of Service: Lead Generation & Referral Platform

Lendesa Financial is an online technology and lead generation platform designed to connect prospective vehicle purchasers and refinancing applicants with participating lenders, credit unions, and licensed automotive financing specialists.

User Representations & Accuracy of Information

By completing the 5-step financing application, you certify that:

• You are at least 18 years of age and a legal resident of the United States.
• All information you submit regarding your identity, employment, income, and vehicle details is complete, accurate, and truthful.
• You are applying on your own behalf, or have explicit legal authority to apply on behalf of a co-applicant or business entity.

Credit Inquiry Authorization & Verification

By completing Step 5 of the application and checking the credit qualification consent box, you grant express permission for our platform and its network of lending partners to conduct a soft credit inquiry using your personal identifiers. This soft check allows lenders to estimate APR ranges and pre-qualification tiers without adversely impacting your credit score.

No Guarantee of Approval or Interest Rates

All interest rates, loan amounts, monthly payments, and repayment terms displayed on this website or calculated using our Loan Calculator are estimates intended for educational and illustrative purposes only. Actual interest rates and loan terms are determined exclusively by participating lending institutions based on comprehensive credit evaluation, debt-to-income ratios, vehicle valuation, and state lending laws.

Third-Party Integrations & External Services

Our platform utilizes third-party application programming interfaces (APIs) and external services, including Google reCAPTCHA, Google Analytics 4, email transmission services (SendGrid/Resend), and telecom gateways (Twilio). We are not responsible for temporary disruptions, modifications, or privacy practices of these third-party providers.

Intellectual Property & Prohibited Activities

All text, logos, graphics, user interface designs, and code comprising the Lendesa Financial Platform are protected by copyright and intellectual property laws. You agree not to reverse engineer, scrape, flood with fraudulent applications, or use automated robots on this platform.

Limitation of Liability

To the maximum extent permitted by applicable law, Lendesa Financial, its affiliates, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the platform, the terms offered by any lender, or any failure of loan approval.

Contact Information

If you have any questions or require clarification regarding these Terms of Service, please reach out to our legal department: