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Welcome to Hyperlend. These Terms and Conditions govern your use of the Hyperlend website, online application forms, telephone services, and any related services we provide.
By accessing this website, submitting an application, speaking with a Hyperlend representative, or otherwise using our services, you agree to be bound by these Terms and Conditions. If you do not agree with these Terms, please discontinue use of the website and services.
About Hyperlend
Hyperlend helps consumers explore vehicle-secured loan options through a network of licensed independant lenders. We are not a direct lender and do not fund loans.
When you submit an application through our website or contact us by phone, our representatives may review information about your vehicle, income, residence, and other factors that may affect eligibility for financing. We may request additional documentation, evaluate available vehicle equity, and perform a preliminary qualification review before introducing you to a participating lender.
Hyperlend representatives may discuss estimated loan options, review vehicle information, request supporting documentation, and assist applicants throughout the lender qualification process. However, Hyperlend does not make credit decisions, issue loan approvals, set loan terms, or provide funding.
Any loan offer you receive will come directly from a lender and will be subject to that lender's underwriting guidelines, policies, and applicable state laws.
No Guarantee of Approval
Submitting an application does not guarantee approval, funding, or placement with a lender.
Loan eligibility depends on a variety of factors, including but not limited to vehicle value, vehicle condition, existing liens, income, ability to repay, state-specific regulations, lender requirements, and other underwriting criteria.
Any loan amount, payment estimate, qualification determination, or pre-approval communicated before lender review is preliminary in nature and should not be considered a final loan commitment.
The lender is solely responsible for determining whether to approve an application and under what terms.
Consent to Share Application Information
By submitting information through this website, over the phone, or through any other communication channel provided by Hyperlend, you authorize Hyperlend to collect, review, verify, and share your information with participating lenders and service providers for the purpose of evaluating your financing request.
Information shared may include:
- Contact information
- Vehicle information
- Title information
- Income information
- Employment information
- Supporting documents
- Photographs
- Proof of residence
- Identification documents
- Information provided during telephone conversations
- Any other information voluntarily submitted during the application process
You understand that your information may be shared with one or more lenders in our network when necessary to identify potential financing options available in your state.
Additional information regarding our collection and use of personal information is available in our Privacy Policy.
Communications and Contact Consent
By providing your contact information to Hyperlend, you expressly authorize Hyperlend and participating lenders to contact you regarding your inquiry.
Communications may include phone calls, text messages, emails, or other lawful methods of communication. These communications may be made using automated technology where permitted by law.
Consent to receive communications is not a condition of obtaining a loan. Standard message and data rates may apply.
You may opt out of certain communications by following the instructions provided in the communication or by contacting us directly.
Vehicle Valuations and Loan Estimates
Any vehicle valuation, loan estimate, qualification assessment, or projected funding amount provided by Hyperlend is an estimate only.
Actual loan amounts and funding decisions are determined solely by the lender after reviewing the complete application and supporting documentation.
Market conditions, vehicle condition, mileage, title status, existing obligations, and lender-specific requirements may affect the final loan offer.
Third-Party Lenders
Hyperlend works with independent lenders and financing companies that operate in various states.
Because Hyperlend is not the lender, we are not responsible for:
- Credit decisions
- Loan approvals or denials
- Interest rates
- APR disclosures
- Repayment schedules
- Loan agreements
- Funding timelines
- Collection activities
- Repossession activities
- Any representations made by a lender
Once you enter into a loan agreement, your relationship regarding that loan is directly with the lender.
State Availability
Loan products are not available in every state, and not every lender operates in every jurisdiction.
Certain states prohibit or restrict title loans and other vehicle-secured financing products. Hyperlend reserves the right to decline applications from states where services are unavailable or restricted by law.
Nothing on this website should be interpreted as an offer of credit where prohibited by law.
California Applicants
Hyperlend receives applications from California residents and may assist California consumers in exploring financing options offered by licensed lenders.
Hyperlend does not originate loans and does not make lending decisions for California consumers. Any loan offer provided to a California resident will come directly from a lender responsible for complying with applicable California lending laws and disclosure requirements.
California consumers should carefully review all loan documents, disclosures, payment schedules, interest rates, fees, and repayment obligations before accepting any loan offer.
Vehicle-secured loans involve significant financial risk. Failure to make required payments may result in repossession of the vehicle, subject to applicable California law.
Any loan examples, payment illustrations, estimated financing, or payoff scenarios presented on this website are for informational purposes only and do not constitute an offer of credit.
User Responsibilities
By using this website and services, you represent that:
- You are at least 18 years of age.
- The information you provide is accurate and complete.
- You are authorized to provide the information submitted.
- You have the legal authority to inquire about financing involving the vehicle identified in your application.
- You will not submit false, misleading, or fraudulent information.
Hyperlend reserves the right to reject, suspend, or terminate applications that contain inaccurate or suspicious information.
Website Use
You agree not to:
- Use the website for unlawful purposes.
- Attempt to gain unauthorized access to website systems.
- Interfere with website operations.
- Introduce malicious software or harmful code.
- Copy, scrape, reproduce, or exploit website content without authorization.
- Misrepresent your identity or the identity of another person.
Intellectual Property
All content appearing on this website, including text, graphics, logos, images, software, and other materials, is owned by Hyperlend or its licensors and is protected by applicable intellectual property laws.
No portion of this website may be reproduced, distributed, modified, or used for commercial purposes without prior written permission.
Disclaimer of Warranties
This website and all services provided through it are offered on an "as is" and "as available" basis.
Hyperlend makes no representations or warranties regarding the availability, accuracy, reliability, or completeness of the website, services, lender participation, loan availability, or loan terms.
To the fullest extent permitted by law, all express and implied warranties are disclaimed.
Limitation of Liability
To the maximum extent permitted by applicable law, Hyperlend shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to:
- Use of this website
- Submission of an application
- Loan denial
- Loan approval
- Loan terms offered by a lender
- Delays in funding
- Actions or omissions of third-party lenders
- Technical interruptions or website downtime
If liability is imposed despite the foregoing limitations, Hyperlend's total liability shall not exceed one hundred dollars ($100).
Changes to These Terms
Hyperlend may update these Terms and Conditions from time to time. Any updates will be posted on this page along with the revised effective date.
Your continued use of the website or services after any changes become effective constitutes acceptance of the updated Terms.
Contact Information
If you have questions regarding these Terms and Conditions or the services offered through this website, please contact:
Hyperlend
Phone: 800-971-3022
Website: www.hyperlend.com