The fine print, in plain English.
By using Nationwide Loans, Inc., you agree to these terms.
Eligibility
You must be at least 18 years old, a U.S. citizen or permanent resident, and a resident of a state where Nationwide is licensed to lend. By submitting an application, you certify that all information you provide is true and accurate.
Soft credit check
Checking your rate with us is a soft credit inquiry that does not affect your credit score. If you accept a loan offer, a hard credit inquiry will be performed and may temporarily affect your score.
Loan terms
Loan amounts range from $1,000 to $50,000. APRs range from 6.99% to 8.99% based on creditworthiness and loan terms. There are no origination fees, no prepayment penalties, and no application fees. Loan terms range from 24 to 84 months.
Repayment
You agree to make monthly payments via ACH from the bank account you provide. Late payments may incur a fee of up to $25 after a 10-day grace period. We do not charge compounding fees. If you cannot make a payment, contact us first — we have hardship programs.
Default
Loans are considered in default after 60 days of non-payment. We will attempt to contact you multiple times before any account is referred to collections. We report account status to the major credit bureaus.
Limitations of liability
Nationwide Loans, Inc. is not responsible for indirect, incidental, or consequential damages arising from use of our services. Our liability is limited to the amount of the loan in question.
Governing law
These terms are governed by the laws of the state in which the loan is originated. Disputes will be resolved through binding arbitration in accordance with our arbitration agreement, which you can opt out of within 30 days of accepting your loan.
Last updated: May 2026. Questions? Email support@nationwideloans.demo.