Cancellation & Refund Policy

We want you to feel confident in your loan agreement. This policy outlines when you can cancel your loan agreement and how payments made in excess of your balance are refunded.

1. Right to Cancel (Cooling-Off)

For personal and home loans, we offer a **3-day cooling-off window** starting immediately after funding:

You have the right to cancel your loan within 3 business days of receiving funds.
To cancel, you must return the entire principal amount borrowed.
No interest charges or cancellation penalties will apply.

2. Overpayment & Refund Process

If you pay off your loan balance and make an overpayment (due to automatic bank transfers or manual payments), we will verify the credit balance and issue a direct refund to your linked checking account within **5 to 10 business days**.

3. Non-Refundable Items

Interest that has legitimately accrued on your outstanding loan balance according to your Promissory Note terms is non-refundable. Since we do not charge setup, application, or termination fees, there are no fee items to refund.