TCPA Consent & Communication Preferences

Credit Inquiry Disclosure

By submitting your application, you authorize Liberty Loan US to obtain credit information about you from consumer reporting agencies. This includes:

A soft credit inquiry to evaluate your loan eligibility (does not impact your credit score)
Sharing your application information with matched lenders
Lenders may perform hard credit inquiries if you proceed with their applications

Hard inquiries may temporarily impact your credit score by a few points. Multiple inquiries within 45 days typically count as one inquiry for credit scoring purposes.

Third-Party Information Sharing

You consent to Liberty Loan US sharing your personal and financial information with:

Lenders in our network matched to your loan request
Credit reporting agencies and verification services
Service providers necessary to process your application
Financial institutions to verify account information (if needed)

These parties are contractually bound to protect your information and use it only for loan evaluation purposes.

Affiliate & Referral Relationships

Important Disclosure: Liberty Loan US is compensated by lenders for referrals. This means we receive payment when we match you with a lender, regardless of whether your loan is approved. This incentive structure does not bias our matching process — we match based on your profile and lender eligibility criteria.

Electronic Communication Consent

You consent to receive communications from Liberty Loan US and our lender partners via:

Email to the address you provided
Phone calls to the number you provided
SMS text messages to your mobile number
Mailed documents to your address

You may opt out of marketing communications anytime, but operational messages about your application will continue.

Fair Credit Reporting Act (FCRA) Notice

Liberty Loan US and our lender partners use consumer reports to evaluate your application. You have rights under the FCRA:

Right to know if a credit report was used
Right to dispute inaccurate information in your credit report
Right to receive your free annual credit report from annualcreditreport.com
Right to contact credit bureaus about errors

If we deny you credit based on information from a credit report, we'll provide you with the agency's contact information.

No Guarantee of Loan Approval

Being matched with a lender does not guarantee loan approval. Lenders make independent decisions based on their underwriting criteria. You may be denied, receive different terms, or be required to provide additional documentation.

Data Security

We protect your information with industry-standard encryption and security measures. However, no online system is 100% secure. By proceeding, you acknowledge this inherent risk and consent to our security practices as outlined in our Privacy Policy.

Your Consent

Please review and check the boxes below to proceed:

I authorize Liberty Loan US to perform a soft credit inquiry and share my information with matched lenders to evaluate my loan eligibility.

I understand that lenders may perform hard credit inquiries that will appear on my credit report and may impact my credit score.

I consent to receive communications from Liberty Loan US and lender partners via email, phone, SMS, and mail regarding my application.

I acknowledge that I have read and understand the Privacy Policy and Terms of Use.

I certify that all information I've provided is accurate and true to the best of my knowledge. Providing false information is loan fraud.

Consent & Disclosures