Terms of Service
Last updated: June 2026
Acceptance of these terms
These Terms of Service (“Terms”) govern your access to and use of oakhillloans.com and the services offered by Oakhill Loans, LLC (“Oakhill Loans”). By accessing our site or applying for a loan, you agree to these Terms. If you do not agree, do not use our services.
Eligibility
To apply, you must:
- Be at least 18 years old
- Be a U.S. resident with a valid U.S. bank account
- Have a gross monthly income of at least $1,000.00
The loan offer
Subject to approval and bank verification, we offer unsecured personal loans with the following terms:
- A fixed 10% APR for every approved applicant
- Loan amounts from $2,000.00 to $50,000.00
- $0.00 origination and application fees
- A funding goal of 24 hours after you sign and your bank account is verified
All offers are subject to approval, identity verification, and successful bank account verification. We may decline any application at our discretion.
Electronic communications
By using our services, you consent to receive communications, disclosures, and agreements from us electronically. Your consent to electronic records and signatures is described in our E-Sign Consent Disclosure.
Eligible accounts
Loans must be funded to a standard U.S. checking account in your name. Prepaid cards and high-risk neobank accounts are not eligible and may result in a declined or reversed funding.
Accuracy of information
You agree that all information you provide is true, accurate, and complete, and that you will keep it up to date. Providing false information may result in denial of your application or other action.
Intellectual property
All content on this site, including text, graphics, logos, and software, is owned by or licensed to Oakhill Loans and is protected by applicable intellectual property laws. You may not reproduce or distribute it without our written permission.
Disclaimers
Our services are provided “as is” and “as available” without warranties of any kind, whether express or implied. We do not warrant that the service will be uninterrupted, error-free, or secure.
Limitation of liability
To the fullest extent permitted by law, Oakhill Loans will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
Governing law
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles.
Changes to these terms
We may update these Terms from time to time. Material changes will be posted on this page with an updated date, and your continued use of our services constitutes acceptance of the revised Terms.
Contact us
Questions? Contact support@oakhillloans.com or visit our contact page.