Website Terms of Use

Acceptance of These Terms

These Website Terms of Use ("Terms") govern your access to and use of aviocreditapply.com, including online forms, calculators, informational pages, account links, and related website features provided by Avio Credit ("Avio Credit," "we," "our," or "us"). By using this website, submitting information, or starting an application, you acknowledge that you have read and agree to these Terms. If you do not agree, do not use the website.

Relationship to Loan Agreements

These Terms apply to the website and online application experience. If you receive and accept a loan offer, your signed loan agreement, payment authorization, privacy notices, state-specific disclosures, and any other documents provided with the offer will control the terms of that loan. If there is a conflict between these Terms and a signed loan agreement, the signed loan agreement controls for that loan.

Eligibility to Use the Website

The Avio Credit website is intended for individuals who are at least 18 years old and located in the United States. To apply for credit, you must be able to enter a legally binding contract, provide accurate identifying information, have a valid contact method, maintain an active bank account in your name, have a verifiable source of income, and reside in a state where the requested product is available. Additional eligibility requirements may apply based on state law, underwriting, product type, or the information you provide.

Applications and No Guarantee of Approval

Submitting an application does not guarantee approval, a specific loan amount, a particular APR, same-day funding, or any other credit term. Avio Credit may verify your identity, income, bank account, credit history, consumer report information, state of residence, and other application details. We may decline an application, request additional information, or withdraw an offer if information cannot be verified, appears inaccurate, or does not meet eligibility criteria.

Loan Disclosures and Costs

Avio Credit offers personal loan options from $500 to $5,000 where available. APRs, fees, repayment schedules, payment frequency, loan terms, and total repayment amounts vary by state, product, application details, credit profile, income, and underwriting results. Representative APRs shown on the website may range from 35.99% to 199%, and terms may range from 4 to 24 months, but your actual offer may differ.

Before you accept any loan, review the full loan agreement and disclosures carefully. A loan is not final until you complete required steps, accept the applicable agreement, and final verification is completed. You are not required to accept an offer if the terms are not right for you.

Bank Deposits, ACH Payments, and Authorizations

If you accept a loan, approved funds may be deposited to the bank account you provide by ACH or another available method. By signing any payment authorization or loan agreement, you may authorize Avio Credit or its payment processors to initiate deposits, scheduled payments, payoff payments, returned-payment items, or other transactions described in your agreement. Bank processing times, holidays, cutoff times, and verification steps may affect funding and payment timing.

Credit Checks and Credit Reporting

Avio Credit may obtain credit reports, consumer reports, alternative data, or other information to evaluate applications, verify identity, prevent fraud, service accounts, and comply with law. Initial rate or eligibility checks may use a soft review where available, but accepting an offer or completing later steps may involve a hard inquiry. If you accept a loan, payment activity may be reported to major credit bureaus or other consumer reporting agencies. On-time payments may support your credit profile, while missed or late payments may have a negative impact.

Your Responsibilities

You agree to provide information that is truthful, current, complete, and submitted only on your own behalf. You agree not to impersonate another person, submit information you are not authorized to provide, interfere with website security, misuse the application form, or use the website for fraudulent, unlawful, abusive, or misleading purposes.

You are responsible for reviewing all information before submission, keeping your contact and bank information current, protecting any account credentials, and promptly contacting us if you believe information was submitted incorrectly or without authorization.

Electronic Communications and Consent

By using the website or submitting an application, you agree that Avio Credit may communicate with you electronically about your application, account, disclosures, notices, payment reminders, document requests, security alerts, and customer service matters. If you provide a phone number, you represent that you own or are authorized to use that number. Where permitted by law, we or service providers acting on our behalf may contact you by call, text message, prerecorded message, or email. Promotional texts may be stopped by replying STOP. Message and data rates may apply.

Website Content and Calculators

Information on this website is provided for general informational purposes. Calculators, examples, educational content, estimated payments, and representative rates are not offers, approvals, financial advice, legal advice, or tax advice. Actual loan terms are provided only in the disclosures and agreement presented to an approved applicant before acceptance.

Third-Party Services and Links

Our website may use or link to third-party services, including application technology, payment processing, identity verification, analytics, fraud-prevention tools, account portals, or informational websites. We are not responsible for third-party content, outages, security practices, or privacy practices. Your use of third-party services may be governed by additional terms and policies.

Intellectual Property

The Avio Credit name, logo, website design, text, graphics, icons, software, layout, and other content are owned by or licensed to Avio Credit and are protected by intellectual property laws. You may view and print pages for your personal, noncommercial use. You may not copy, modify, scrape, republish, sell, frame, reverse engineer, or create derivative works from the website without prior written permission.

Website Availability and Security

We work to keep the website available and secure, but we do not guarantee uninterrupted access, error-free operation, compatibility with every device, or that the website will always be free from harmful code. We may suspend, restrict, update, or discontinue any part of the website at any time. You agree not to attempt unauthorized access, test vulnerabilities, bypass controls, overload systems, or introduce malicious code.

Disclaimer of Warranties

The website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Avio Credit disclaims warranties of any kind, whether express, implied, or statutory, including warranties of accuracy, merchantability, fitness for a particular purpose, title, and non-infringement. Some jurisdictions do not allow certain exclusions, so some limitations may not apply to you.

Limitation of Liability

To the fullest extent permitted by law, Avio Credit and its service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of, or inability to use, the website. This limitation does not alter rights or remedies that cannot be waived under applicable consumer finance laws or under any signed loan agreement.

Governing Law

These website Terms are governed by applicable federal law and the laws that apply to Avio Credit's website operations, without regard to conflict-of-law rules. Any loan you accept will be governed by the law and venue provisions stated in the signed loan agreement and required state-specific disclosures.

Changes to These Terms

We may update these Terms from time to time. Updates are effective when posted unless a different effective date is stated. Continued use of the website after an update means you accept the updated Terms for future use.

Contact Information

Questions about these Website Terms of Use may be directed to Avio Credit at [email protected] or by phone at 1-888-371-1059.