1. No Lending or Credit Decision

15M Finance is not a direct lender, loan broker, or loan agent. We do not make credit decisions, offer loans directly, or determine loan amounts, rates, or terms. Our website functions solely as a referral platform—we connect users with a network of licensed third-party lenders who may offer loan products.

Loan approval, rates, fees, repayment terms, and funding times are entirely at the discretion of the individual lenders and may vary based on state laws and borrower qualifications.

2. Not Available in All States

Loan availability and legal compliance vary by state. 15M Finance does not operate in states where short-term lending is prohibited, including (but not limited to) New York and Illinois. Check your state’s payday loan laws before applying.

3. No Guarantee of Loan Approval

Submitting your information through 15M Finance does not guarantee that you will be approved for a loan or qualify for the highest loan amount offered. Approval is based on the lender’s evaluation of your application, income, and credit history.

4. Credit Check Notice

Some lenders in our network may perform soft or hard credit checks through national credit bureaus such as TransUnion, Equifax, Experian, LexisNexis, or FactorTrust. A hard credit pull may impact your credit score.

5. Third-Party Content and Links

Our website may contain links to third-party websites, including lender partners. We do not endorse or take responsibility for any third-party services, content, or privacy practices. Always review their terms and privacy policies before providing your personal information.

6. Accuracy of Information

While we strive to provide up-to-date and accurate content, 15M Finance does not guarantee the completeness or reliability of the information on this site. Any reliance you place on such information is strictly at your own risk.

7. Emergency Loan Usage Warning

Short-term, payday-style loans are not intended to solve long-term financial issues. These loans should be used only for immediate, short-term needs. If you are facing ongoing financial hardship, we recommend seeking help from a certified credit counselor or nonprofit financial advisor.

8. Limitation of Liability

By using this website, you agree that 15M Finance and its affiliates shall not be held liable for any damages or losses resulting from your use of the site, your connection to third-party lenders, or any loan products obtained through those lenders.

9. Consent to Terms

By accessing or using this website, you acknowledge that you have read, understood, and agreed to this Legal Disclaimer, as well as our Terms of Use, Privacy Policy, and other legal notices.