Primo Personal Loans
Last Updated: March 2026
The terms set forth on this page form a legally binding agreement between you and Primo Personal Loans. Please review them in their entirety before proceeding.
1. Your Acceptance
These Terms and Conditions apply to all visitors, users, and applicants who access the Primo Personal Loans website or use any of our services. We may amend these terms at any time by posting the revised version on this page. You are deemed to have accepted any changes by continuing to use our site or services after the updated terms are posted. We encourage you to review this page periodically.
2. Who Can Apply
Our services are available only to individuals who are eighteen (18) years of age or older, reside in a state where Primo Personal Loans operates, and have the legal authority to enter into contracts. You affirm that every piece of information you provide during the application process is accurate. We reserve the right, in our sole and absolute discretion, to decline any application.
3. Keeping Your Information Current
You represent and warrant that all information provided to Primo Personal Loans is truthful, current, and complete. Should any of your details change—such as your address, income, or employment—you agree to inform us without delay. Primo Personal Loans may independently verify any information you have submitted.
4. Consent to Credit Inquiries
By applying for a loan through our platform, you expressly authorize Primo Personal Loans to pull your credit report, review your employment history, and perform any other background checks deemed necessary. You further acknowledge that we may share payment performance data, including information about late or missed payments, with one or more credit reporting agencies.
5. Communication Preferences
You agree to receive communications from Primo Personal Loans and its authorized representatives through various channels, including phone calls (both live and prerecorded or autodialed), SMS text messages, and electronic mail. Such communications may concern your account status, outstanding balances, collection efforts, or new products we believe may interest you. To stop receiving promotional messages, please follow the opt-out instructions provided in Section 12 of these terms. Carrier message and data fees may apply to text communications.
6. Nature of Our Products
Loan approval is never guaranteed. All products offered by Primo Personal Loans depend on satisfactory completion of our underwriting review. Annual percentage rates, repayment schedules, and associated fees are determined on a case-by-case basis and may differ based on applicable state law and your creditworthiness. We retain the right to change, suspend, or terminate any offering at our discretion.
7. Repayment and Consequences of Non-Payment
Timely repayment is essential. You must honor every payment deadline established in your loan agreement. If you fall behind, the following may occur: assessment of late fees as outlined in your agreement, adverse credit reporting to major bureaus, assignment of your debt to a third-party collection agency, initiation of legal proceedings to recover amounts owed, and repossession of pledged collateral in the case of secured loans.
8. Preventing Fraud
Primo Personal Loans employs third-party fraud detection tools that may rely on cookies, unique device identifiers, and behavioral analytics. Information gathered from your device during transactions may be transmitted to these third-party services. Blocking such technologies could restrict your ability to use certain features or complete transactions.
9. Responsible Use of Our Website
You may use this website solely for lawful purposes. You agree not to: engage in conduct that violates any applicable law or regulation; attempt to breach, circumvent, or test the security of our systems; transmit content that is unlawful, threatening, or otherwise objectionable; or use scripts, bots, or other automated mechanisms to extract information from our site.
10. Ownership of Content
Every element of this website—including written content, visual assets, trademarks, software, and underlying code—is owned by or licensed to Primo Personal Loans. These materials are safeguarded by U.S. and international intellectual property laws. Reproduction, redistribution, or commercial exploitation of any content without our express written authorization is prohibited.
11. Cap on Liability
Primo Personal Loans, its officers, directors, employees, and agents shall not be responsible for any indirect, incidental, consequential, or punitive damages resulting from your access to or use of our services, however caused and under any theory of liability.
12. Reaching Us and Opting Out
You can contact Primo Personal Loans—or request removal from marketing communications—by using any of the following:
Primo Personal Loans
1008 Gervais St STE 101
Columbia, SC 29201
Phone: (803) 674-5822
Email: legal@primopersonalloans.com
13. Choice of Law
These terms are governed by the laws of the state in which your loan was originated. All disputes arising under or in connection with these terms shall be litigated exclusively in the courts of that state, and you agree to submit to personal jurisdiction there.
14. Partial Invalidity
In the event that a court determines any portion of these Terms and Conditions to be unenforceable, all remaining provisions will continue to apply. The unenforceable provision will be adjusted to the minimum degree required to give it effect.
