1. Not a Direct Lender
We do not provide loans. Orchard Key is not a direct lender, a lending partner, a short-term loan provider, or a broker. We do not make credit decisions, issue loan approvals, or directly fund any loans. Instead, we help people get loan options fast by providing a free matching service that connects consumers with a network of independent, participating third-party lenders and lending partners.
2. Limitation of Liability
By utilizing Orchard Key’s services, you explicitly acknowledge and agree that Orchard Key shall not be held liable or responsible for any direct, indirect, incidental, consequential, or punitive damages, losses, or legal claims arising out of your use of our matching service. Furthermore, Orchard Key is entirely separate from any third-party lenders in our network. We accept no liability for any agreements, contracts, interactions, terms, conditions, or disputes between you and any third-party lender. Any loan transaction is strictly an agreement between you and the assigned lender.
3. No Guarantee of Loan Approval
Submitting your information through our platform does not guarantee that you will be approved for a loan or successfully matched with a lender. Every participating lender has its own unique lending criteria and underwriting policies. Ultimately, the decision to approve your loan request rests entirely with the individual lender and is based on their evaluation of your application.
4. Credit Checks and Reporting
While checking your initial loan options on Orchard Key generates a soft credit inquiry that does not affect your FICO® credit score, the independent lenders within our network may perform credit checks or obtain consumer reports from major credit bureaus (such as Equifax, Experian, or TransUnion) or alternative credit reporting agencies to determine your creditworthiness and credit capacity. Submitting a request constitutes your consent to allow matched lenders to verify your credit standing. If you formally proceed with and accept a loan offer, the lender may perform a hard credit inquiry, which could impact your credit score.
5. Financial Implications and Risks
Taking out a personal loan carries financial obligations and risks. Interest rates, Annual Percentage Rates (APRs), repayment terms, and associated fees vary significantly depending on the lender, your credit history, state laws, and the loan amount requested. Late payments, missed payments, or non-payment of your loan may result in additional fees, aggressive collection activities, and negative reports to credit bureaus, which will harm your credit score. We urge all consumers to review the lender's terms and conditions carefully and borrow responsibly. Only accept a loan if you are completely confident in your ability to make timely repayments.
6. State Availability
The services provided by Orchard Key, and the loan products offered by our participating lenders, may not be available in all states. Depending on your state of residence, there may be specific regulatory limits regarding maximum loan amounts, APRs, and the types of loan products offered. Furthermore, Orchard Key reserves the right to modify, restrict, or discontinue its services in specific geographical areas without prior notice to comply with shifting state regulations.
If you have any questions regarding this Disclaimer or our business practices, please refer to our Contact Us page. For questions directly related to an existing loan, its terms, or repayment schedules, please contact your individual lender directly, as Orchard Key does not have access to your personal loan file or account details.