Important Information

Semaj Financial Services, LLC is not a lender, we do not broker loans, and we do not make any short-term cash loans or any credit decisions. Semaj Financial Services, LLC helps borrowers find good and bad credit loans by referring them to our partners for long-term loans, otherwise known as installment loans, as well as alternative loans, credit lines, and credit cards. Providing your information on this application does not guarantee approval other than what is outlined in the terms and conditions. Any questions concerning actual product offerings should be directed to the potential loan lender. Semaj Financial Services, LLC is a loan matching company. 

We review the information that you provide to us and if you meet certain requirements, we refer you to lenders or partners with which we do business (“partners”), whom we believe are most likely to provide you with a loan or credit extension based on our assessment of your information. Repayment terms may vary by lender and local laws, and not everyone will qualify for the maximum borrowing repayment terms of 72 months. 

The APR, borrowing term and amount that you may be eligible for will be determined by several key variables including but not limited to your credit score, income, and total debt as well as state limits. At Semaj Financial Services, LLC we will provide you with the opportunity to provide us with your credit score, but we will never run your credit, which can result in a reduction of your credit score by a small number of points each time that it is run. Semaj Financial Services, LLC does not constitute an offer or solicitation to lend. 

Semaj Financial Services, LLC is not a lender and does not make loans or credit decisions. Semaj Financial Services, LLC is not acting as a representative, agent, or correspondent for any of the partners. Semaj Financial Services, LLC does not control and is not responsible for the actions or inaction's of any partner. 

Semaj Financial Services, LLC, does not endorse any partner or loan product. You are under no obligation to use Semaj Fianncial Services, LLC service to initiate contact or apply for a loan or credit with any of the partners. Semaj Financial Services, LLC, does not guarantee that your submission of a loan application will result in you being matched with a partner, being offered a loan with rates or terms that are acceptable to you or receiving a loan. Participating partners may take steps to verify the accuracy of the information that you have provided including, but not limited to, your social security number, driver’s license number, national ID, or any other state or federal identifications and may review the information against national databases including, but not limited to, Equifax, Transunion, and Experian, to determine your creditworthiness, credit standing and/or credit capacity. In addition, if your application results in a loan offer, they may use your personal information to market their services to you. 

We may financially benefit from anything you read or click on while visiting our site. Our services are available in all 50 states, and our service availability and the scope of the services we offer are subject to change without notice. All loans are subject to credit approval. All of the lenders we work with can offer free rate quotes with no impact on your credit whatsoever. We have some Loan Providers that are able to issue pre-approval quotes without performing any credit check, and other Loan Providers that can issue pre-approvals and approvals via a soft credit check (no impact to your FICO credit score or rating). 

We have some Loan Providers, that once matched with, may need to collect additional information from you including your SSN, for the purpose of doing a soft credit inquiry to determine whether or not to extend potential offers to you. There is no impact on your credit score or rating when a lender performs a soft credit inquiry. Once you receive a pre-approval, we will help you finalize the loan and then hand you off to that lender for the purpose of you becoming their client. During the process of finalizing your financing, some Loan Providers may need to perform a hard credit inquiry.