Terms and Conditions

1. Acceptance of Terms

By accessing or using the website operated by Advantage First Financial, LLC (“Advantage First,” “we,” “us,” or “our”), located at advantagefirst.com (the “Site”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to all of these Terms, do not use this Site.

2. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use this Site or apply for any financial product or service offered through Advantage First. By using this Site, you represent and warrant that you meet these eligibility requirements.

3. Services Offered

Advantage First Financial, LLC is a licensed direct lender under the Utah Department of Financial Institutions and the Texas Department of Financial Institutions. We offer personal loan products and debt settlement referral services through our trusted partner network.

Personal loan offers presented to customers feature rate quotes from Advantage First Financial, LLC with Annual Percentage Rates (APR) not exceeding 35.99% and loan terms ranging from 36 months to 180 months. Actual rates, terms, and loan amounts depend on factors such as credit score, credit history, loan amount, loan term, and state of residence.

4. No Guarantee of Approval

Submitting an application through this Site does not guarantee approval for any loan or financial product. All applications are subject to credit review, underwriting criteria, and verification of information provided. Advantage First reserves the right to decline any application at its sole discretion.

5. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting any application or form through this Site. Providing false, misleading, or incomplete information may result in denial of your application and may constitute fraud.

6. Credit Authorization

By submitting an application, you provide written instructions to Advantage First under the Fair Credit Reporting Act authorizing Advantage First to obtain information from your personal credit report or other information from Experian, TransUnion, and/or Equifax for the purposes of evaluating your application, debt settlement, and fraud prevention.

7. SMS/Text Messaging Terms

By opting in to receive SMS messages from Advantage First Financial, LLC, you consent to receive text messages regarding your inquiry, application status, and related informational or marketing communications at the phone number you provided. Message and data rates may apply. Message frequency may vary.

You may opt out of receiving text messages at any time by replying STOP to any message. Upon receipt of your opt-out request, you will be unsubscribed and will no longer receive text messages from us. A confirmation message will be sent to confirm your unsubscription. Should you wish to re-subscribe, you may text START to resume receiving SMS messages.

For assistance with the messaging service, reply HELP to any message or contact us at admin@advantagefirst.com or (800) 344-1202.

Wireless carrier message and data rates may apply. Wireless carriers are not liable for delayed or undelivered messages. We will maintain the confidentiality of your mobile number. Your mobile number will not be shared with third parties for their own marketing purposes. For operational purposes, your mobile number may be shared with service providers who assist in delivering our SMS communications. These providers are required to maintain the confidentiality of your personal information and may not use it for their own purposes.

Consent to receive SMS messages is not a condition of any purchase or service.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with the services of that campaign. We may share your Personal Data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages.

8. Third-Party Services

This Site may contain links to third-party websites, services, or products. Advantage First does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Your use of third-party services is at your own risk and subject to the terms and conditions of those third parties.

9. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Advantage First Financial, LLC or its licensors and is protected by United States copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

10. Prohibited Conduct

You agree not to:

Use this Site for any unlawful purpose or in violation of any applicable local, state, or federal law.
Attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site.
Use any automated means, including bots, scrapers, or spiders, to access or collect data from the Site.
Transmit any viruses, malware, or other harmful code through the Site.
Interfere with or disrupt the integrity or performance of the Site.

11. Disclaimer of Warranties

THIS SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED THROUGH IT ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. ADVANTAGE FIRST DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Advantage First does not warrant that the Site will be uninterrupted, error-free, or free from viruses or other harmful components. We do not guarantee the accuracy or completeness of any information provided on the Site.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ADVANTAGE FIRST FINANCIAL, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THIS SITE, INCLUDING BUT NOT LIMITED TO LOSS OF REVENUE, LOSS OF DATA, OR LOSS OF PROFITS, REGARDLESS OF THE THEORY OF LIABILITY.

13. Indemnification

You agree to indemnify, defend, and hold harmless Advantage First Financial, LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of this Site, your violation of these Terms, or your violation of any rights of another party.

14. Communications and Electronic Consent

By using this Site or providing your contact information, you consent to receive electronic communications from Advantage First, including emails and notifications related to your application or account. If you separately opt in to receive SMS or phone call communications, those communications are governed by the consent disclosures presented at the time of opt-in, Section 7 of these Terms, and our Privacy Policy.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be resolved exclusively in the state or federal courts located in Orange County, California, and you consent to the personal jurisdiction of such courts.

16. Modifications to Terms

Advantage First reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Site. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Advantage First Financial, LLC regarding your use of this Site and supersede all prior agreements and understandings.

19. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

Email: admin@advantagefirst.com
Phone: (800) 344-1202
Location: Costa Mesa, CA

Effective Date: April 2026

Advantage First Financial, LLC is a licensed direct lender under the Utah Department of Financial Institutions and the Texas Department of Financial Institutions.

Representative Example: For a personal loan of $10,000 with a 36-month term at 10% APR, the monthly payment would be approximately $322.67, and the total amount paid over the life of the loan would be $11,616.12. This example includes interest and assumes no additional fees.

Actual rates, terms, and loan amounts depend on factors such as credit score, credit history, loan amount, loan term, and state of residence, and will be determined in agreement between the borrower and lender.

For questions, contact Advantage First Financial, LLC.
info@advantagefirst.com | (800) 344-1202 | Costa Mesa, CA