Terms of Service

Last Updated: June 18, 2026

Welcome to Xenon Bank. These Terms of Service govern your access to our online lending estimate tools and your applications for our personal, home, or business loan options.

1. Introduction

By using our website, estimation tools, or submitting an inquiry, you agree to comply with these terms. Please read them carefully to understand your responsibilities and the framework of our advisory lending partnership.

2. Eligibility Requirements

To apply for a Xenon loan, you must:

  • Be at least 18 years of age (or the legal age of majority in your jurisdiction).
  • Be a legal resident or registered business entity in the United States.
  • Provide accurate, honest, and complete financial and identification documents during application.

3. Repayment Obligations

If your loan application is approved and funded, you are obligated to make regular payments according to the repayment schedule outlined in your formal Promissory Note. Payments are automatically processed on agreed-upon schedules (weekly, bi-weekly, or monthly).

4. Interest Rates & Fees

All interest rates (expressed as fixed Annual Percentage Rates, or APR) are determined individually based on underwriting factors. We do not charge application, setup, or early payoff fees. Any late payment fees or default rates will be clearly highlighted in your lending agreement.