Terms of Use

Last updated: October 29, 2026

By using americanspiritloans.com (the "Site"), operated by IM Group LLC d/b/a American Spirit Loans, you agree to these Terms of Use. If you do not agree, do not use the Site.

Our service

American Spirit Loans is not a lender, does not broker loans, and does not make credit decisions. The Site lets you submit information that we share with lenders and lending partners who may offer you a loan. We do not charge you for this service, and we may be compensated by lenders or partners. Submitting a request does not guarantee you will be connected with a lender or receive an offer, and we do not endorse or guarantee any lender, rate, or term.

Eligibility

You must be at least 18 years old, a U.S. resident, and legally able to enter a contract. The service is not available in all states, including New York, and the states served may change without notice.

Your information

You agree that the information you provide is true, complete, and your own. You authorize us to share it as described in our Privacy Policy and authorize lenders and partners to obtain consumer reports about you.

Electronic communications

You consent to receive disclosures, notices, and other communications electronically, and agree that electronic consents and records have the same effect as signed paper documents. You may withdraw this consent by emailing us, but then may be unable to use the service.

Loans from third parties

Any loan is made solely by the lender under its own agreement, rates, fees, and policies. Read every loan agreement carefully. Late or missed payments may lead to fees, collection activity, and credit reporting.

Acceptable use

You may not misuse the Site, submit false or someone else's information, attempt to access data you are not authorized to view, or interfere with its operation.

Disclaimers and limitation of liability

The Site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, American Spirit Loans is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or any loan or product offered by a third party.

Changes

We may update these Terms at any time. Continued use of the Site means you accept the updated Terms.

Contact

Email info@americanspiritloans.com or write to IM Group LLC, 100 Friars Boulevard, West Deptford, NJ 08086.