Please read these Terms of Use carefully before using the Loanify website at loanify.ie. By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website.
Loanify is a lending company incorporated and operating in Ireland. We provide loan products and related financial services to eligible customers. Our registered office is in Dublin, Ireland. For queries, contact us at info@loanify.ie.
By using loanify.ie (the "Website"), you confirm that you are at least 18 years of age, are a resident of Ireland, and have the legal capacity to enter into binding agreements. You agree to use the Website only for lawful purposes and in accordance with these Terms of Use.
You may use the Website for the purpose of accessing information about our loan products and services, and for submitting loan applications. You agree not to:
Submitting a loan application through our Website does not constitute an offer of credit or a guarantee that a loan will be approved. All applications are subject to credit assessment, identity verification and affordability checks. Loanify reserves the right to decline any application without being required to provide a reason.
By submitting a loan application, you confirm that:
If your application is approved, the terms of your loan will be set out in a separate Loan Agreement, which will constitute a legally binding contract between you and Loanify. These Terms of Use do not form part of any Loan Agreement. You should carefully read any Loan Agreement before signing it. Loan Agreements are governed by the Consumer Credit Act 1995 (as amended) and other applicable Irish consumer finance legislation.
Any interest rates, monthly repayment amounts or loan terms displayed on the Website are indicative only and for illustrative purposes. The actual rate offered to you will depend on your individual circumstances, credit profile and the amount and term of the loan. The annual percentage rate (APR) and total cost of credit will be clearly stated in your personalised loan offer prior to you entering into any agreement.
All content on this Website, including text, graphics, logos, images, icons and software, is the property of Loanify or its content suppliers and is protected by Irish and international copyright and intellectual property laws. You may not copy, reproduce, distribute, publish or otherwise use any content from this Website without our prior written permission, except for your own personal, non-commercial use.
Our Website may contain links to third-party websites for your information and convenience. Loanify does not endorse, control or take responsibility for the content, privacy practices or accuracy of any third-party websites. Accessing third-party links is entirely at your own risk.
The Website and its contents are provided on an "as is" and "as available" basis without any warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. Loanify does not warrant that the Website will be uninterrupted, error-free or free of viruses or other harmful components.
To the fullest extent permitted by law, Loanify shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data or goodwill, arising out of or in connection with your use of the Website or our services. Our total liability to you in connection with these Terms shall not exceed the amount of any fees paid by you to Loanify in the 12 months prior to the event giving rise to the claim.
Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.
These Terms of Use and any dispute arising out of or in connection with them shall be governed by and construed in accordance with the laws of Ireland. You agree to submit to the exclusive jurisdiction of the courts of Ireland for the resolution of any disputes arising under or in connection with these Terms.
Nothing in these Terms affects your statutory rights as a consumer under Irish and European Union consumer protection law, including the right to a 14-day cooling-off period under the European Communities (Distance Marketing of Consumer Financial Services) Regulations 2004 for credit agreements entered into at a distance.
We reserve the right to update or amend these Terms of Use at any time. Changes will be posted on this page with an updated date. Your continued use of the Website following any changes constitutes your acceptance of the revised Terms. We recommend reviewing this page periodically.
If you have any questions about these Terms of Use, please contact us: