Terms of Use

Agreement to terms

By accessing AutoLoanRate.com (the "Site"), you agree to these Terms of Use. If you do not agree, do not use the Site.

Editorial nature of the Site

AutoLoanRate.com publishes editorial comparisons of auto loan products and rates offered by third-party lenders. We are not a lender. We are not a broker. We do not take loan applications, accept deposits, or originate loans of any kind.

Information published on the Site is for general informational purposes only. Nothing on the Site constitutes financial, legal, tax, or other professional advice. You should consult a qualified professional regarding your specific situation before making any borrowing decision.

Accuracy of rate information

We make a reasonable effort to track current advertised APRs from each lender we list, with daily updates from each lender's published rate sheet. However:

• Rates change frequently and may have changed since the last update on this Site.
• Advertised rates represent the best APRs offered to the most creditworthy borrowers and are not the rate every applicant will receive.
• Actual APRs depend on credit history, loan-to-value ratio, vehicle, term, state, and lender-specific underwriting.
• Always verify current terms directly with the lender before applying or signing any loan agreement.

Affiliate disclosure

The Site may earn referral compensation when readers click outbound links to lenders we list and subsequently take action with that lender. This compensation does not influence our editorial picks or how lenders are ranked in our comparison tables. Tables are sorted by APR, not partnership status.

Permitted use

You may use the Site for personal, non-commercial information purposes. You may not:

• Scrape, copy, or republish substantial portions of the Site without prior written permission.
• Use the Site or its content to train machine learning models without permission.
• Attempt to interfere with the operation or security of the Site.
• Use the Site for any unlawful purpose.

Third-party links

The Site contains links to third-party websites operated by lenders, regulators, or other publishers. We do not control these sites, do not endorse their content, and are not responsible for their operation, terms, or privacy practices.

Disclaimer of warranties

The Site is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free, nor that any rate information is accurate, complete, or current at any specific moment.

Limitation of liability

To the fullest extent permitted by law, AutoLoanRate.com and its affiliates will not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Site, even if advised of the possibility of such damages. Our total aggregate liability for any claim arising under these Terms is limited to $100 USD.

Indemnification

You agree to indemnify and hold AutoLoanRate.com harmless from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the Site.

Governing law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law provisions. Any dispute will be resolved in the state or federal courts located in California, and you consent to that jurisdiction.

Changes

We may revise these Terms at any time. The "last updated" date above shows when the most recent change occurred. Continued use of the Site after changes constitutes acceptance.

Contact

Questions about these Terms: legal@autoloanrate.com.