Mobile Messaging Policy

Mobile Messaging Policy for LoanMe

LoanMe Alerts

At your option, you may opt in to receiving mobile message alerts. These are text alerts that provide a secure and easy way to access interest rates, receive promotional and loan product information and to receive other information about your loan or about LoanMe using almost any mobile device or cellular telephone.

Sign Up For LoanMe Alerts

You can sign up for LoanMe Alerts by texting JOIN to the five-digit U.S. short code 97043. By signing up and choosing your subscription you will receive up to 4 per month.

LoanMe Text Alerts are optional and is a recurring message program. You may opt out at any time.

Consent to receive marketing text messages is not required as a condition of purchasing any goods or services.


LoanMe will not charge you when you send a text message to the five-digit U.S. short code 97043 or when a response is sent to you. However, please note that message and data rates may apply depending on your carrier and wireless plan.

Participating Carriers

AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, Alltel, U.S. Cellular, Cellular One, MetroPCS, InterOp, Cellular Com, C Spire Wireless, Cricket, Virgin Mobile, and Cincinnati Bell

*T-Mobile is not liable for delayed or undelivered messages.

Opt Out

If you wish to stop receiving text messages from LoanMe you may opt out at any time by texting STOP to the five-digit U.S. short code 97043 or by calling 1-844-764-7368. When we receive your request to opt out we will remove your cellular telephone or mobile device number from the text alert system and will send a final confirmation message to you. No further messages will be sent to your cell phone or mobile device unless you choose, in the future, to opt in and request them again.

Opt In

To opt in to receive text message alerts simply text JOIN to the five-digit U.S. short code 97043.

More Information

You may text the word HELP to the five-digit U.S. short code 97043 for more information.

Alert Commands and Codes

STOP:At any time you can text STOP to the five-digit U.S. short code 97043.This will prevent you from receiving any future LoanMe Alert messages.

HELP:At any time you can text Help to the five-digit U.S. short code 97043.Texting HELP will return the following message:For more info,Call:1-844-764-7368 or visit 4msg/mo.Reply STOP to cancel.Msg&Data Rates May Apply.

JOIN:Text Join to the to the five-digit U.S. short code 97043.This will allow you to begin receiving LoanMe messages.

Additional Terms for Alert Program

When you enroll in the LoanMe Alert Program by texting the five-digit U.S. short code 97043, or by any other means, you acknowledge and agree to the terms and conditions provided in this Mobile Messaging Policy and fully and unconditionally authorize LoanMe and its service providers to respond to your mobile device or cell phone, even if your telephone number is listed on any federal, state or corporate do-not-call registry.

LoanMe Alerts is an automated loan alert service for information purposes only. Any alert sent or received is not intended to be construed as an affirmative offer for a loan, unconditional loan approval, unconditional pre-qualification, unconditional pre-approval, or any other unconditional offer or agreement to lend.

LoanMe Alerts makes no warranties, express or implied, with respect to data or information contained in any alert. Do not use Mobile Messaging to communicate time-sensitive instructions or official company matters. Urgent matters should be communicated in person directly with the person of concern via telephone and then confirmed in writing with the appropriate person.

You are aware and expressly consent to the use of autodialer or non-autodialer technology to send the text messages described above to the mobile phone number you supply when you opt in. LoanMe reserves the right to remove or block any mobile number from the service for any reason without notice.

By using this service, you agree that the terms stated herein shall apply to you and are incorporated by reference into any communication, and that any disputes pertaining to this service shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of your use of LoanMe Alerts or relating to these terms and conditions may only be filed only in the state or federal courts located in California. Consent to these terms is not required as a condition to purchase a good/service.

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** Application process takes 5 minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Two hour funding time is based on the time from final approval following receipt of all required documents and signing, prior to 1 PM PST on a business day. In some cases, credit underwriting and due diligence may require additional documents, which can delay funding time.

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Where loans are offered by LoanMe, credit approval is subject to LoanMe’s credit standards.  Terms (including loan amount) may vary by applicant.  LoanMe loans, where required, are made pursuant to its lending licenses.  For example, California loans are made or arranged pursuant to a California Finance Lenders Law license #603K061. Texas residents: LoanMe is a registered Texas Credit Services Organization and operates as a licensed Credit Access Business (CAB). The lender, PCAM CREDIT VIII, LLC, is an unaffiliated third party. Terms and Conditions: Offers provided to customers who originated via a paid Google or Bing advertisement feature terms on LoanMe Prime of: Maximum APR: 35.97% Maximum Loan Repayment Term: 60 Months Minimum Loan Repayment Term: 60 Months Representative Example: Maximum APR: 35.97% Maximum Loan Repayment Term: 60 Months Minimum Loan Repayment Term: 60 Months Representative Example: Maximum APR: 35.97% Maximum Loan Repayment Term: 60 Months Minimum Loan Repayment Term: 60 Months Representative Example: A homeowner in Utah with 580+ FICO, who meets income and other credit requirements could receive a loan for $5,000 with an interest rate of 36% and an origination fee of $0 for an APR of 35.97%. In this example, a consumer would receive $5,000 deposited into his or her account and will make 60 monthly payments of $180.56 each. Total repayment would be $10,833.60. Your actual rate depends upon credit score, loan amount, loan term, home ownership, and credit usage & history. You can pay back the loan early with no pre-payment penalties. Please note that loan fees apply and affect the amount of cash you receive.