Mandatory Disclaimers & Warnings

1. Non-Lender Status & Affiliate Disclosure

Xlenderz is a **paid advertising and lead generation service (Publisher)**. We are **NOT A LENDER**, nor are we a financial broker or agent for any lender. We do not make credit decisions, loan decisions, or offer loan financing. This website is a tool to connect consumers with third-party lenders and financial service providers.

We receive compensation from our Partners (lenders and lead buyers) for generating and transferring application data (leads).

2. APR, Loan Terms, and Risk Warning

• **Annual Percentage Rate (APR):** APR for the loans offered by our Partners typically range from **200% to 1000%+**. The specific rate and repayment terms you are offered are determined solely by the lender and applicable state law.
• **Borrowing Risk:** These products are **high-cost, short-term emergency loans** and are **NOT a long-term financial solution**.
• **Consequences of Non-Payment:** Non-payment of credit could result in collection activities, additional fees, and negatively impact your credit score. Please borrow responsibly.

3. Funds Availability

While many of our partners offer **Funds Available as soon as next business day**, cash transfer times are not guaranteed and may vary between lenders and financial institutions.