Terms of use

If you do not agree to these terms, do not use the site. Continued use of the site after changes are published means you accept the updated terms.

Loans Plainly is operated by LEGITIME DOMAINS d.o.o., Ulica Stjepana Gradića 1, 10010 Zagreb, Croatia.

References to Loans Plainly, we, us, or our mean the Loans Plainly educational brand operated by that legal entity.

Loans Plainly provides general financial education for research and planning. Nothing on the site is financial, legal, tax, credit, lending, or investment advice for your individual situation.

You are responsible for evaluating your own circumstances, reading lender disclosures, and consulting qualified professionals when appropriate.

Loans Plainly is not a lender, bank, credit union, loan broker, loan marketplace operator, quote engine, approval engine, financial advisor, credit counselor, law firm, tax advisor, or government agency.

Loans Plainly does not make credit decisions. Loans Plainly does not approve or deny applications. Loans Plainly does not originate, fund, service, broker, underwrite, match, or sell loans through its own editorial systems.

The optional /request-loan form is operated by a third-party provider and may connect visitors with a lender network. Provider and lender terms control that request flow.

Using editorial pages, calculators, glossary pages, contact forms, or trust pages does not start a loan application, create a lending relationship, cause a credit inquiry, produce a lender quote, or result in approval or denial.

Choosing to use the optional third-party request form may start a separate provider or lender-network request process. Submitting that form is not approval and does not guarantee funding.

Actual terms depend on lender disclosures and borrower-specific factors, including lender review, credit profile, income, debt, collateral, documentation, market conditions, product rules, and applicable law.

Calculator outputs are planning estimates only. They are not loan quotes, prequalifications, approvals, regulated disclosures, final payment schedules, personalized advice, or guarantees.

• Not a loan quote
• Not prequalification
• Not approval
• Not a regulated lender disclosure
• Not a final payment amount
• Not personalized financial advice

Before making a borrowing decision, verify the actual terms in the lender's own disclosures and agreement. Lender documents govern the real loan, not a website summary or calculator estimate.

• Review APR, interest rate, finance charge, total of payments, and repayment schedule.
• Check fees, origination charges, late fees, renewal terms, prepayment penalties, add-ons, and insurance requirements.
• Compare total cost, not only monthly payment.
• Ask the lender to explain unclear terms before signing.
• Consult a qualified professional if your situation requires personalized guidance.

Use the site for lawful research and education. Do not use it in a way that disrupts the site, misrepresents the content, or implies a false relationship with Loans Plainly.

• Do not scrape, overload, attack, or interfere with the site.
• Do not access non-public systems, unpublished content, or administrative areas.
• Do not copy substantial content for commercial use without permission.
• Do not misrepresent calculator outputs as official lender disclosures, approvals, or quotes.
• Do not imply that Loans Plainly endorsed a lender, product, offer, or service when it did not.
• Do not use the site for unlawful, deceptive, or harmful activity.

The site may link to third-party websites for sources, further reading, tools, partner placements, or the optional loan request form. Third-party sites and form providers have their own terms, privacy policies, disclosures, eligibility rules, and support channels.

Compensated partner links, forms, or offers should be disclosed near the relevant placement and described in the advertising disclosure.

Loans Plainly content, branding, design, and site materials are protected by applicable intellectual property laws. You may use the site for personal research and ordinary sharing with attribution, but commercial reproduction or misleading reuse requires permission.

We aim to publish accurate, useful, and cautious educational content, but loan rules, lender practices, examples, and market conditions can change. Content may be incomplete, outdated, or not applicable to your situation.

If you find a possible error, use the corrections policy or contact page to report it.

The site and its content are provided as is and as available, without warranties of any kind to the fullest extent permitted by law. We do not warrant that the site will be uninterrupted, error-free, complete, current, or suitable for your specific purpose.

To the fullest extent permitted by applicable law, Loans Plainly and its operator will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of, or reliance on, the site or its content.

This includes losses from treating educational content or calculator estimates as lender offers, approvals, professional advice, or final loan terms.

These terms are governed by the laws of Croatia to the extent applicable, without limiting mandatory consumer protections that may apply in your location. This statement is not legal advice about your specific rights or dispute.

We may update these terms from time to time. The current terms are the terms published on this page. Continued use after an update means you accept the updated terms.

For questions about these terms, contact contact@loansplainly.com or use the contact page. Do not send sensitive account, identity, tax, credit, or loan application information.