Effective date: October 17, 2026. By using elasticlendingloan.com (the "Site"), you agree to these Terms of Use.
1. Nature of the service
The Site provides educational information about the Elastic line of credit and similar short-term credit, and a form to request credit from participating lenders. We are not a lender, do not make credit decisions and do not broker loans in any state where doing so requires a license we do not hold.
2. No guarantee of approval
Submitting a request does not guarantee you will be approved or receive any particular amount, fee or term. All offers are made solely by lenders under their own agreements.
3. Eligibility
You must be at least 18 years old (19 in Alabama and Nebraska) and a U.S. resident to use the request form.
4. Accurate information
You agree to provide true, accurate and complete information. Providing false information on a credit application may be unlawful.
5. Consent to communications
By submitting a request, you consent to be contacted by us and participating lenders by email and, where you separately consent, by phone or text. You can opt out at any time.
6. Educational content
Content is for general information and is not individualized financial, legal or tax advice. Verify all terms in your Line of Credit Agreement.
7. Intellectual property
Site content is owned by Elastic Lending Loans or its licensors. Elastic® and other trademarks belong to their respective owners and are used for identification only.
8. Limitation of liability
To the fullest extent permitted by law, we are not liable for indirect, incidental or consequential damages arising from use of the Site.
9. Governing law
These Terms are governed by applicable U.S. federal law and the laws of the state in which the Site operator is organized, without regard to conflict-of-laws principles.
10. Changes
We may update these Terms by posting a revised version with a new effective date.
E-SIGN Consent
Your consent to receive records and sign electronically under the federal E-SIGN Act.
This Consent to Electronic Records and Signatures ("E-SIGN Consent") applies when you submit a credit request through elasticlendingloan.com. It is provided under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq.
What you are agreeing to
By checking the consent box or clicking a submit button on our request form, you agree that:
- We and participating lenders may provide disclosures, notices, agreements and other records to you electronically — on screen, by email or through a secure online account.
- Your electronic signature (such as clicking "I agree" or typing your name) has the same legal effect as a handwritten signature.
- Electronic records satisfy any legal requirement that a record be provided in writing.
Scope of consent
This consent covers records related to your request on our site, including our Terms of Use, Privacy Policy and request confirmations. If a lender offers you credit — for example an Elastic line of credit or other Elastic lending loans — that lender will provide its own E-SIGN disclosure and agreement, which govern your account with that lender.
Hardware and software requirements
| Requirement | Minimum |
|---|---|
| Device | Computer, tablet or smartphone with internet access |
| Browser | Current version of Chrome, Safari, Edge or Firefox with cookies and JavaScript enabled |
| Documents | Software that opens PDF files |
| A valid email address you can access | |
| Storage | Ability to save or print documents |
If these requirements change in a way that creates a material risk you cannot access or retain records, we will notify you and you may withdraw consent without fees.
Paper copies
You may request a paper copy of any record we provided electronically through our contact page. We do not charge for paper copies of records we provided. For records provided by a lender, contact that lender directly.
Withdrawing consent
You may withdraw your E-SIGN consent at any time by submitting a request through our contact page. Withdrawing consent does not affect the legal validity of records provided before withdrawal. Because our request service is delivered online, withdrawing consent before submission means we cannot process a request.
Updating your information
Please keep your email address current. If you change it, let us know through our contact page so records reach you.
Communications & TCPA Consent
How we and participating lenders may contact you, and how to opt out at any time.
This page explains how elasticlendingloan.com and participating lenders may contact you, the consent you give when you submit a request, and how to stop communications at any time. It is designed to comply with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act and related rules.
Email communications
When you submit a request or contact form, you agree to receive transactional emails about that request — confirmations, status updates and required notices. Marketing emails include an unsubscribe link, and we honor opt-outs within 10 business days.
Phone calls and text messages
Where our form includes a separate, clearly labeled checkbox, you may agree to receive calls and text messages — including those made using automated technology or prerecorded voice — from us and from participating lenders about your request for Elastic lending loans or other credit, at the number you provide.
- Consent is not a condition of credit. You can submit a request without agreeing to calls or texts.
- One-to-one consent: Where required, consent is obtained separately for each company that may contact you.
- Message frequency varies. Message and data rates may apply.
- Carriers are not liable for delayed or undelivered messages.
How to opt out
| Channel | How to stop |
|---|---|
| Text messages | Reply STOP to any message. Reply HELP for help. |
| Phone calls | Tell the caller you no longer wish to be contacted |
| Click "unsubscribe" in any marketing email | |
| Any channel | Submit a request on our contact page |
Opting out of marketing does not stop required transactional messages about an account you have opened with a lender. To stop lender communications, contact that lender directly, since each lender maintains its own preference records.
Accurate numbers
Please provide only a phone number you own or are authorized to use. If your number changes, notify us so we do not contact the new holder of your old number.
Call recording
Calls with lenders or service providers may be monitored or recorded for quality and compliance purposes, as permitted by law.
See also our Privacy Policy and Terms of Use.
Last reviewed October 17, 2026. Information reflects published Elastic® line of credit terms at the time of review and may change. Always read the lender's Line of Credit Agreement before you borrow.