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Terms & Conditions

At Capsty, we take our commitment to transparency and fairness seriously. That's why we have a set of Terms & Conditions that outline our policies and procedures. These Terms govern your use of our website and services, and set forth the rights and responsibilities of both parties. By using our website and services, you agree to these Terms.

What do our Terms & Conditions cover?

Our Terms & Conditions cover the following topics:

Please note that these Terms & Conditions are subject to change. We encourage you to review them regularly to stay informed of any updates. If you have any questions or concerns, please don't hesitate to contact us.

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Contact

support@capsty.com

General Inquiries:

1-832-400-4445

Customer Service: customerservice@capsty.com

Technical Support: techsupport@capsty.com

Capsty. is remunerated for any loans, financial products, or services acquired via the Capsty marketplace. This website is under the ownership of Capsty. Loan and is not under the ownership or operation of Capsty. Bank. The availability of financial products, services, and loans may vary by state.

All rates, fees, and terms are provided without assurance and are susceptible to modification at the discretion of each provider. Your approval or eligibility for the advertised rates, fees, or terms cannot be guaranteed. The terms you are offered may vary based on a variety of factors, including the requested benefits, your credit score, usage history, and usage patterns.

In order to determine the rates and terms for which you may be eligible, Capsty. and/or its network lenders perform a soft credit pull, which has no impact on your credit score. However, should you proceed with your application after selecting a product, the lender or lenders of your choice will initiate a hard credit pull by requesting your complete credit report from one or more consumer reporting agencies. This action has the potential to impact your credit score.

All loan details presented on this website, such as the interest rate, annual percentage rate (APR), and monthly payments, are provided by the lenders themselves. The information provided is limited in scope, and the terms and figures are provided for informational purposes only. The estimated APR incorporates all relevant fees in accordance with the Truth in Lending Act. The precise loan terms, including the annual percentage rate (APR), are contingent upon the underwriting criteria of the lender you choose, as well as your individual financial circumstances. The presented loan terms and interest rates are furnished by the lending institutions, not Capsty. For further information, please consult the Terms and Conditions of each lender.

Interest rates and credit scores are influenced by a variety of factors. In accordance with neither state nor federal law, including the Credit Repair Organizations Act, Capsty. is classified as a credit repair organization. Regarding "rebuilding" or "improving" your credit history, credit rating, or credit record, Capsty. does not offer "credit repair" services, advice, or assistance. Refer to the FTC's credit website (https://consumer.ftc.gov/credit-loans-debt) for additional information.

Financial Advice & Strategies: The recommendations presented on this online platform are general in scope and fail to consider your particular financial circumstances, goals, and requirements. It is imperative that you consistently evaluate their suitability in light of your individual circumstances.¹

By utilizing the service provided by Plaid, Inc., users are able to establish connections between Capsty. accounts and external accounts through the Insights tool. By connecting an account through the service, you grant Capsty. the authority to acquire account information from external accounts in accordance with Capsty.'s Terms of Use. Capsty. does not bear liability for any potential issues pertaining to the loss, non-delivery, incorrect deletion, compromised communications, or failure to store user data, as well as personalization settings. You shall verify the precision of Plaid data using sources that are not affiliated with the Captain. Your credit score is derived from information provided by TransUnion® (the "Processing Agent").

Capsty of personal loans.

This Personal Loan product is administered by Capsty in partnership with Engine by MoneyLion. Capsty. will transmit your loan inquiry details to Engine by MoneyLion, which will subsequently relay them to its network of lenders/partners for evaluation in order to ascertain your eligibility for pre-qualified or pre-approved offers. In addition to obtaining your information, the lenders or partners who receive it will procure your credit report. By satisfying the eligibility requirements set forth by one or more lenders and/or partners, you will be presented with pre-qualified and pre-approved offers from said lenders and/or partners on the Capsty website. A loan inquiry form containing additional details regarding Engine by MoneyLion, its partners and procedures, can be accessed through our Personal Loans page or our Student Loan Refinance page. Engine's Licenses and Disclosures, Terms of Service, and Privacy Statement are detailed at the links provided.

The APR on personal loans made available to customers through Capsty does not surpass 35.99%. An instance of the cumulative payment towards a personal loan, which consists of $10,000 repaid over a 36-month duration at a 10% interest rate, would amount to $11,616.12 throughout the loan's term.

Refinancing Student Loans

Student Loan Refinance is a service provided by Capsty Loans Co in partnership with Engine by MoneyLion. Capsty. will transmit your loan inquiry details to Engine by MoneyLion, which will subsequently relay them to its network of lenders/partners for evaluation in order to ascertain your eligibility for pre-qualified or pre-approved offers. Credit information will be obtained by the lenders who receive your application from a credit reporting agency as well. By satisfying the eligibility requirements set forth by one or more lenders and/or partners, you will be presented with pre-qualified and pre-approved offers from said lenders and/or partners on the Capsty website. A loan inquiry form containing additional details regarding Engine by MoneyLion, its partners and procedures, can be accessed through our Personal Loans page or our Student Loan Refinance page. Engine's Licenses and Disclosures, Terms of Service, and Privacy Statement are detailed at the links provided. **NOTICE: Borrowers of federal student loans should prepare now to resume making payments, including exploring the possibility of refinancing the loans at a reduced annual percentage rate (APR) or extending the terms to attain a reduced monthly payment. It should be noted that refinancing federal student loans will result in the ineligibility for any existing or forthcoming flexible payment options that are accessible to borrowers of federal loans. These options may include extended repayment plans and income-based repayment plans, among others. Financial Strategies and Advice: The recommendations presented on this website are general in scope and fail to consider your particular goals, financial circumstances, and requirements. It is imperative that you consistently evaluate their suitability in light of your individual circumstances.

Auto Refinancing Loans

This Capsty website features information regarding auto refinancing loans provided by Caribou, AUTOPAY, Engine by MoneyLion, and each of Engine's partners (along with their affiliated businesses). Capsty receives compensation from Caribou, AUTOPAY, and Engine by MoneyLion in exchange for promoting their products and services on the Capsty website. The information provided on this Capsty website regarding auto loan refinancing is for illustrative purposes only and is contingent upon your satisfying the lender's stipulations, which may include credit criteria, loan amount, vehicle state, and odometer reading, among others. As they may depend on your creditworthiness, the loan terms and rates displayed on this Capsty website are subject to change prior to your contact with the lender. For further information, please contact the lender. There may be additional terms and conditions that apply, and the specific terms may differ depending on the state in which you reside.

Release of Secured Lending Information

Minimum loan amounts, terms, conditions, and state restrictions apply. We advise that prior to applying for a secured loan, you thoroughly contemplate whether this particular loan type is suitable for your needs. The assets you pledged as collateral for a secured personal loan could be forfeited if you are unable to repay the loan. The majority of borrowers do not meet the eligibility requirements for larger loan amounts or the most advantageous loan terms. Loan approval and terms are contingent on the borrower's ability to satisfy underwriting requirements that vary by lender (including but not limited to a responsible credit history, sufficient income after monthly expenses, and availability of collateral).

Conducting banking

This website is managed in collaboration with Engine by MoneyLion by Capsty Loan Co. It features advertisements for products and services provided by additional banks, lenders, and financial institutions. By clicking on a given promotion, a hyperlink will appear that leads to the official website of the company that is providing the corresponding product. Capsty. and Engine by MoneyLion receive compensation from the companies whose promotions are featured on this website in exchange for promoting their products and services. This may influence the placement of providers on the site and potentially impact the sequence in which they are presented. Capsty and Engine by MoneyLion do not encompass the entirety of the market's providers or their respective offerings. Engine's Licenses and Disclosures, Terms of Service, and Privacy Statement are detailed at the links provided.
 

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