Last Updated: 11/25/2025
Welcome to Roosevelt Financial ("Roosevelt Financial," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website, services, loan products, and all related platforms, applications, communications, and content (collectively, the "Services"). By accessing, applying for, or using any of our Services, you agree to be bound by these Terms.
Please read these Terms carefully, as they contain important information regarding your legal rights, obligations, and limitations.
1. Introduction
Roosevelt Financial provides low APR personal loan products for eligible consumers across the United States. Our Services include loan applications, account management, customer support, educational resources, and related financial tools. By using our Services, you acknowledge and agree that Roosevelt Financial is not a bank, and certain loan products may be issued in partnership with licensed lenders depending on your state.
2. Eligibility Requirements
To use our Services or apply for a loan, you must:
Be at least 18 years old (or the age of majority in your state).
Be a U.S. resident with a valid mailing address.
Have a verifiable income source.
Have accurate, up-to-date personal information.
Agree to credit checks, identity verification, and underwriting evaluations as required.
We reserve the right to deny, suspend, or terminate Services if eligibility criteria are not met.
3. Loan Application & Approval
3.1 Application Process
When you apply for a loan, you agree to provide accurate and complete information. Submitting false or misleading information may result in denial, account closure, or legal action.
3.2 Credit Authorization
By applying for a loan, you authorize Roosevelt Financial and its lending partners to:
Obtain credit reports
Verify identity and income
Assess debt obligations
Conduct fraud and risk reviews
3.3 Approval & Underwriting
Loan approval is not guaranteed. Decisions are based on creditworthiness, state regulations, income, debt ratios, and internal underwriting standards.
3.4 Loan Agreements
If approved, you will receive a Loan Agreement outlining:
APR (Annual Percentage Rate)
Loan amount
Payment schedule
Fees (if applicable)
Legal disclosures
Signing your Loan Agreement constitutes a binding contract.
4. Interest Rates, Payments & Fees
4.1 Low APR Commitment
Roosevelt Financial specializes in low APR loan products designed to help consumers reduce high-interest credit card debt. APRs vary based on creditworthiness, loan terms, and state rules.
4.2 Payment Responsibilities
You agree to:
Make all scheduled payments on time.
Ensure your payment method is active and valid.
Notify us of any changes to your banking information.
4.3 Late Payments & Returned Payments
Late or missed payments may result in:
Additional fees
Impact to your credit
Collection activity
Suspension of account access
Returned payments may result in additional fees as permitted by state law.
5. Use of Services
You agree not to:
Use the Services for fraudulent or unauthorized purposes.
Impersonate any person or entity.
Provide false financial or personal information.
Interfere with website or system operations.
Attempt to access restricted systems or data.
6. Communications & Consent to Electronic Records
By using our Services, you consent to receive:
Emails
SMS messages
Phone calls
Electronic disclosures and agreements
You may withdraw consent where permitted by law, but doing so may limit your ability to use the Services.
7. Privacy & Data Security
Your privacy is extremely important to us. Our Privacy Policy explains how we collect, use, store, and protect your information.
Key practices include:
Secure encryption
Identity verification systems
Fraud monitoring
Regulatory compliance
We do not sell personal data to third parties.
8. Third-Party Partners
Roosevelt Financial may partner with:
Licensed lenders
Credit bureaus
Verification services
Payment processors
Your use of their services may require acceptance of additional terms. We are not responsible for third-party actions, policies, or errors.
9. Intellectual Property
All website content, branding, text, graphics, logos, and materials are owned by Roosevelt Financial and protected under U.S. intellectual property laws. You may not copy, reproduce, modify, distribute, or exploit any content without written permission.
10. Disclaimers & Limitation of Liability
10.1 No Guarantee of Approval
We do not guarantee loan approval, loan terms, or credit improvement.
10.2 Service Availability
We make reasonable efforts to keep Services available but do not guarantee uninterrupted access.
10.3 Limitation of Liability
Roosevelt Financial is not liable for:
Damages arising from service interruptions
Losses due to inaccurate information supplied by the user
Unauthorized account access caused by user negligence
Third-party actions beyond our control
To the fullest extent permitted by law, our liability is limited to the amount you have paid to us in the previous twelve (12) months.
11. Collection Practices
If your account becomes delinquent, we may:
Attempt to contact you
Hire collection partners
Report delinquency to credit bureaus
Take legal action where permitted
We comply with the Fair Debt Collection Practices Act (FDCPA) and all relevant regulations.
12. Termination of Services
We may suspend or terminate your access to Services if you:
Breach these Terms
Provide false information
Engage in fraudulent activity
Fail to maintain payment obligations
You may terminate your account at any time unless a loan is still active.
13. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes will be resolved in state or federal courts located in Florida unless otherwise required by law.
14. Mandatory Arbitration
To the fullest extent permitted by law, you agree to resolve disputes through binding arbitration, waiving rights to class action lawsuits or jury trials. Details will be provided in your Loan Agreement.
15. Changes to Terms
We may update these Terms at any time. Updated Terms will be posted on our website with the "Last Updated" date. Continuing to use our Services after changes means you accept the revised Terms.
16. Contact Information
Roosevelt Financial
Customer Support: support@rooseveltfinancial.org
Phone: (305) 395-6727
Website: rooseveltfinancial.org
By using Roosevelt Financial’s Services, you acknowledge that you have read, understood, and agreed to these Terms of Service.
