Terms of Use

Last updated: November 2026

These Terms of Use (“Terms”) govern your use of the Challenge Associates website, app and loan matching service provided by Challenge Advertising & Associates, Inc. (“Challenge Associates,” “we,” “our,” “us”). By using our service, you agree to these Terms, our Privacy Policy, Credit Authorization, E-Sign Consent and Loan Disclosure.

1. Our service

Challenge Associates is a free loan matching service. We collect your request and, with your consent, connect it with participating lenders. We are not a lender or loan broker, we do not make credit decisions or loan offers, and we are not a party to any agreement between you and a lender.

2. Eligibility

You must be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi), a U.S. resident and able to enter into a binding agreement. Lenders set additional requirements.

3. Your information

You agree that the information you submit is true, complete and your own. Submitting false information or information about another person is prohibited and may be reported to law enforcement.

4. No guarantee

We do not guarantee that you will be matched, contacted, receive an offer or be approved, or that any offer will match the amount you requested.

5. Loans are between you and the lender

If you accept an offer, your loan agreement is solely between you and the lender. The lender is responsible for its disclosures, funding, servicing and collections. We are not responsible for a lender’s products, decisions or conduct.

6. Fees

Our service is free for you. We are compensated by participating lenders and partners as described in our Advertiser Disclosure.

7. Consent to contact

By submitting a request, you agree that Challenge Associates and participating lenders and partners may contact you about your request by phone call, text message and email at the number and address you provide, including through automated technology or prerecorded messages where permitted by law. Message and data rates may apply. Consent is not a condition of obtaining a loan. You can withdraw it at any time by replying STOP to a text, using an email’s unsubscribe link or contacting us; to stop contact from a lender, contact that lender directly.

8. Acceptable use

You agree not to misuse our website or app, including by attempting unauthorized access, interfering with their operation, submitting automated or fraudulent requests, or copying content for commercial purposes. All content and logos belong to Challenge Associates unless stated otherwise.

9. Disclaimer of warranties

Our service is provided “as is” and “as available.” To the extent permitted by law, we make no warranties of any kind, including that the service will be uninterrupted, error-free or result in a loan.

10. Limitation of liability

To the extent permitted by law, Challenge Associates is not liable for indirect, incidental or consequential damages, or for any loss arising from a lender’s products, decisions or conduct. Nothing in these Terms limits rights you have under consumer protection laws.

11. Governing law

These Terms are governed by the laws of the State of Florida. Disputes will be handled in the state or federal courts located in Miami-Dade County, Florida, unless applicable law requires otherwise.

12. Changes

We may update these Terms. The “Last updated” date shows when they last changed. Continuing to use our service means you accept the updated Terms.

13. Contact us