Welcome to the loan application service provided by Pacific Rock Capital. By accessing and using this service, you agree to comply with and be bound by the following terms and conditions. Please read them carefully before proceeding with your application.

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Eligibility

• To be eligible for a loan, applicants must meet the following criteria:

• Be at least 18 years of age.

• Have a valid Social Security Number or Tax Identification Number.

• Provide all necessary documentation and information as requested during the application process.

• Meet the credit and underwriting requirements specified by Pacific Rock Capital.

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Application Process

• Complete the online application form with accurate and truthful information.

• Submit required documents, including but not limited to identification, income verification, property details (if applicable), financial statements, and credit reports.

• Consent to a credit check and other necessary verifications.

• Understand that submitting an application does not guarantee loan approval.

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Loan Terms

• Loan amounts, interest rates, and repayment terms will be determined based on the applicant’s creditworthiness, loan type, and other relevant factors.

• Detailed terms and conditions of the loan will be provided in the loan agreement upon approval.

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Fees and Costs

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  Applicants may be subject to various fees, including but not limited to origination fees, appraisal fees, and processing fees.

• All fees will be disclosed upfront and must be paid as per the loan agreement.

 

Use of Loan Proceeds

Loan proceeds must be used solely for the purposes stated in the loan agreement.
Any misuse of funds may result in loan default and immediate repayment demand.

 

Repayment

• Repayment terms, including monthly payment amounts and due dates, will be outlined in the loan agreement.

• Early repayment may be allowed without penalty, depending on the loan agreement terms.

• Late payments or defaults may incur additional fees and negatively impact the borrower’s credit rating.

 

Privacy and Data Security

• Personal and financial information provided during the application process will be used solely for loan processing and verification purposes.

• Pacific Rock Capital is committed to protecting your privacy and employs industry-standard security measures to safeguard your data.

 

Amendments and Modifications

Pacific Rock Capital reserves the right to amend or modify these terms and conditions at any time. Any changes will be communicated to applicants and posted on our website.