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Terms & Conditions

Last updated: October 15, 2026.

1. Who we are

Loan Fern ("we", "us") is a trading name of Tecko Group Ltd, a company registered in England and Wales (number 16403905), C/O Clka Consulting Ltd, 1 Wellington Rd, Swinton, M27 4BR, United Kingdom. These terms apply whenever you use loanfern.com or anything we send you. By using the site you agree to them.

2. What we do

Loan Fern is a free service that passes your loan request to lenders and lending partners in our network. We are not a lender, a broker or an agent of any lender, and we do not make credit decisions. Sending a request is not an application for credit with us, and it does not guarantee an offer, an amount, a rate or a time to fund. If a lender makes you an offer, the lender's own agreement governs the loan.

3. Who can use the site

You must be at least 18, live in the United States outside Arkansas, Connecticut, Georgia, Illinois, Minnesota, Montana, New Hampshire, New Mexico, New York, Vermont and West Virginia, and make the request for yourself. You can't use Loan Fern if you are an active-duty member of the armed forces or the dependent of one. The information you give must be true and complete. We may decline or stop any request.

4. Sharing your request

When you tap "Get my offer" you ask us to share your request, including the information you gave, with lenders and lending partners in our network so they can consider it. Your request may go to more than one of them. They pay us for requests they receive or accept. The Privacy Policy and Advertising Disclosure explain this in more detail.

5. Credit checks

By sending a request you give written instructions under the Fair Credit Reporting Act for us, and for the lenders and lending partners who receive your request, to obtain your consumer report and other information from consumer reporting agencies. They use it to verify your identity and decide whether to make you an offer. Some checks may affect your credit score.

6. Calls, texts and emails

We and our partners contact you only as you allow on the request form. Those permissions are optional and never a condition of getting a loan.

We act on opt-outs within 10 business days and may send one text confirming yours. Message frequency varies, and message and data rates may apply. Mobile carriers are not liable for delayed or undelivered messages.

7. Electronic communications

You agree to receive notices and records from us electronically, as described on our E-Consent page.

8. Lenders and their terms

Lenders set their own APRs, fees, repayment terms and eligibility rules. Your lender must give you its loan disclosures before you sign, and you should read them carefully. Some lenders may be owned by a Native American tribe: they operate under tribal and federal law, may not be licensed in your state, and may require disputes to be settled under tribal law. We are not responsible for a lender's decisions, terms or conduct. Questions or complaints about a loan go to the lender.

9. No fees, and beware of scams

We never charge you for using Loan Fern, and we never ask for an upfront fee to get you a loan. If anyone asks you for money in our name, don't pay it and tell us.

10. Using the site

Use the site only for genuine requests and only lawfully. Don't send requests for anyone else, use automated tools to submit or copy content, or try to break or overload the site.

11. Our content

The site's text, design and logos belong to Tecko Group Ltd or its licensors. You may not reuse them without our permission.

12. Disclaimers and limits on liability

The site is provided "as is". To the fullest extent the law allows, we give no warranties about it, and we are not liable for indirect or consequential losses, or for anything a lender or partner does. Nothing here limits liability that the law does not allow us to limit.

13. Disputes and arbitration

Please contact us first: most problems can be settled that way. If we can't settle a dispute, you and we agree to resolve it by binding individual arbitration, not in court. This covers any dispute about Loan Fern, your request or our messages to you, including claims under the Telephone Consumer Protection Act. Arbitration is under the Federal Arbitration Act and the American Arbitration Association's Consumer Arbitration Rules.

You and we each give up the right to a jury trial and to bring or join a class or representative action. Either of us may instead bring an individual claim in small claims court.

You may opt out of this arbitration agreement by writing to us within 30 days of first using the site; opting out changes nothing else in these terms. If the class-action waiver is found unenforceable for a dispute, this arbitration agreement does not apply to that dispute.

14. Governing law

These terms are governed by the laws of the State of Delaware and applicable US federal law.

15. Changes

We may update these terms. The version in force when you use the site applies, and the date at the top shows when they last changed.

16. Contact

Contact us, or write to Tecko Group Ltd, C/O Clka Consulting Ltd, 1 Wellington Rd, Swinton, M27 4BR, United Kingdom, or to our US address: 390 NE 191st St STE 54142, Miami, FL 33179.