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Terms of Use

Last Updated: April 25, 2025

Welcome to Only One Financial. By accessing or using our website, www.onlyonefinancial.com, These terms and conditions outline the rules and regulations for the use of the Website. By browsing, accessing and using this Website through any direct or indirect means or by utilizing products or Services offered through this Website, including any communications to us, you agree to these terms and conditions (“Terms”). You acknowledge that any information that you provide through the Website or for the Service will be provided and used in accordance with our Privacy Policy the terms of which are incorporated herein and made a part of this Agreement.

​Do not use this Website or services if you do not agree to the posted Terms of Use and Privacy Policy.

THIS TERMS OF USE AGREEMENT CONTAINS A MANDATORY ARBITRATION PROVISION, WAIVER OF JURY TRIAL AND CLASS ACTION. PLEASE REVIEW THESE PROVISIONS. If you do not agree with these terms, please do not use this Website or services.

Use of Website

 

Only One Financial provides personal loan services. By using our website, you affirm that you are at least 18 years old and legally capable of entering into binding contracts. You agree to use the website only for lawful purposes and in accordance with these Terms of Use.

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Intellectual Property

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All content on this website, including text, graphics, logos, and images, is the property of Only One Financial or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our prior written consent.

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Electronic Communications

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By visiting our website or sending emails to us, you consent to receive communications from us electronically. We will communicate with you via email or by posting notices on this site. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

 

 

SMS Communications

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By providing your phone number and opting in, you consent to receive SMS messages from Only One Financial regarding your loan application, account updates, and other related information. Message frequency may vary. Message and data rates may apply. You can opt out at any time by replying "STOP" to any message. For assistance, reply "HELP" or contact us at support@onlyonefinancial.com.

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SMS consent is not shared with third parties or affiliates for marketing purposes.

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User Conduct

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You agree not to use the website in any way that:

  • Violates any applicable federal, state, local, or international law or regulation.

  • Exploits, harms, or attempts to exploit or harm minors.

  • Transmits any advertising or promotional material without our prior written consent.

  • Impersonates or attempts to impersonate Only One Financial, an Only One Financial employee, another user, or any other person or entity.

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Disclaimer of Warranties

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The website and its content are provided on an "as is" and "as available" basis. Only One Financial makes no representations or warranties of any kind, express or implied, as to the operation of the website or the information, content, materials, or products included on the website.

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Limitation of Liability

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Only One Financial will not be liable for any damages of any kind arising from the use of this website, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

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Changes to Terms

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We reserve the right to modify these Terms of Use at any time. Any changes will be effective immediately upon posting on the website. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

 

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Governing Law

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These Terms of Use are governed by and construed in accordance with the laws of the United States of America. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in US.

 

 

Contact Information

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For any questions about these Terms of Use, please contact us at:


Email: support@onlyonefinancial.com

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Only One Financial

2300 Main Street, Suite 1300, Irvine, CA, 92614

© 2025 Only One Financial.. All Rights Reserved

Individual borrowers must be at least 18 years of age and have a valid social security number and checking account. All loans are subject to credit review for approval, terms and conditions may apply. Rates offered are between 5.99% APR and 34.99% APR for loan amounts from $5,000 to $100,000. The minimum loan amount and APR may vary. Loan terms, including amounts and availability may not be offered and/or may vary.

** Only One Financial markets unsecured personal loans on behalf of third-party licensed lenders. Only One Financial does not fund, issue, or make any loans. Any offers presented are current estimates based on the limited information we have about you. There is no guarantee that you will be approved for a loan. Your application may not be approved if you are unable to meet our third-party lenders’ full credit eligibility criteria, including income verification. The loan products offered may not be available in all states. By applying for a loan, you consent to us sharing your information with our affiliates and third-party lenders. You must verify criteria for pre-qualification. Read all program and contract terms carefully. Only One Financial is not a government agency, nor is it affiliated with any government agency. Only One Financial is not a bank, savings & loan, thrift, pay-day lender, or mortgage lender.

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