Informational & Referral Only
BCL is an educational referral service and does not issue loans, make credit decisions, or guarantee approval.
Eligibility Requirements
You must be at least 18 years old and a legal resident of the United States to submit loan prequalification requests.
No Fee to Consumers
Browsing and comparing loan estimates on BCL is 100% free for consumers. We receive compensation from partner lenders.
Independent Lender Terms
Actual loan terms, rates, fees, and funding timelines are determined exclusively by participating third-party lenders.
1. Acceptance & Service Scope
These Terms of Use govern your access to and use of BCL by AltFTool. By using our website, tools, or submitting an inquiry, you confirm that you are at least 18 years of age and authorized to enter into this legally binding agreement.
BCL provides rate comparison tables, consumer educational content, APR calculators, and referral matching to help borrowers with imperfect or limited credit explore potential personal loan options.
2. Not a Direct Lender or Financial Institution
BCL is not a bank, direct lender, loan broker, or credit repair organization. We do not make credit decisions, originate loans, collect loan payments, or underwrite applications.
Any loan agreement entered into is solely between you and the third-party lender. We make no warranty or representation regarding loan approval, rates, loan amounts, or terms offered by lenders.
3. User Representations & Prohibited Uses
When submitting information through our platform, you represent and warrant that all data provided is true, accurate, and current.
You agree not to use the platform for fraudulent purposes, submit false personal or employment details, scrape data, introduce malicious code, or attempt unauthorized access to our infrastructure.
4. Disclaimers of Warranties & Limitation of Liability
The BCL website, educational guides, and rate tools are provided on an 'as-is' and 'as-available' basis without warranties of any kind, express or implied.
In no event shall BCL, AltFTool, or its affiliates be liable for any indirect, incidental, special, or consequential damages resulting from your use of the site or any interaction with third-party lenders.
5. Governing Law & Dispute Resolution
These Terms of Use are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising under these terms shall be resolved through confidential, binding individual arbitration.