Legal
Rev. April 16, 2026
Why?
Why does Peak Loans share your personal information?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
How?
How does Peak Loans share your personal information?
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Peak Loans chooses to share; and whether you can limit this sharing.
| Reasons we can share your personal information | Does Peak Loans share? | Can you limit this sharing? |
|---|---|---|
| For everyday business purposes — such as processing your loan, maintaining your account, responding to court orders, and reporting to credit bureaus | Yes | No |
| For our own marketing purposes — to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes — information about your transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes — information about your creditworthiness | No | We don't share |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | Yes | Yes — see below |
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing with nonaffiliated third parties for their marketing purposes:
Call us
1-833-303-5757
Mon–Fri, 7am–6pm MT
Email us
info@peakloans.com
Response within 2 business days
Who we are & What we do
Peak Loans is a licensed licensed lender offering installment loans and related financial products to consumers in the states where we hold active lending licenses. Our principal place of business is located in Utah. For questions about this notice, contact us at info@peakloans.com or 1-833-303-5757.
We use security measures that comply with federal law. These measures include computer safeguards, encrypted data transmission (SSL/TLS), secure file storage, access controls that limit employee access to personal information on a need-to-know basis, and regular security audits. All employees with access to customer information are trained on data privacy and security requirements.
We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, identity verification providers, income and employment verification services, and affiliates.
Federal law gives you the right to limit only (a) sharing for affiliates' everyday business purposes — information about your creditworthiness; (b) affiliates from using your information to market to you; and (c) sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your state-specific rights.
Definitions
Cookies & Tracking Technologies
We use cookies and similar tracking technologies (web beacons, pixel tags) to operate our website, analyze usage, and deliver relevant content and advertising.
Strictly Necessary
Required for the site to function (e.g., session maintenance during your application). Cannot be disabled.
Performance & Analytics
Help us understand how visitors interact with the site (e.g., pages visited, time on site). We use tools such as Google Analytics.
Functional
Remember your preferences (e.g., saved form data, settings) to improve your experience.
Advertising & Targeting
Allow us and our partners to deliver relevant ads based on your browsing behavior, on our site and third-party sites.
You can control cookies through your browser settings. Disabling certain cookies may affect site functionality. Our site does not currently respond to "Do Not Track" signals.
Mobile Program Description
By providing your cell phone number, you authorize Peak Loans to send text messages (SMS) for account-related communications, including:
Standard message and data rates may apply. Message frequency varies.
To opt out of text messages:
Reply STOP to any text message from us, or call 1-833-303-5757. For help, reply HELP. Opting out of marketing texts does not stop transactional messages required to service your loan. Peak Loans will never request your Social Security Number or bank account number via text message.
Collection and Use of Bank Account Information
When you apply for a loan, we collect your bank account and routing number in order to disburse your loan funds and process scheduled repayments. We may also detect and verify additional consumer bank accounts associated with you for underwriting purposes.
We will obtain your prior, separate authorization before processing any additional bank account as a payment option. Your bank account information is stored with industry-standard encryption and is used solely for purposes related to your loan account.
By submitting an application and authorizing electronic fund transfers, you agree to our ACH authorization terms as set forth in your loan agreement.
State-Specific Privacy Rights
California Residents — CCPA / CPRA
California law provides you with specific rights regarding your personal information, including the right to know what we collect, the right to request deletion, the right to correct inaccurate data, the right to opt out of the "sale" or "sharing" of your personal information, and the right to non-discrimination for exercising these rights.
To submit a California privacy request, email info@peakloans.com or call 1-833-303-5757. We will respond within 45 days. Note: much of the information we collect is subject to GLBA exemptions from CCPA/CPRA requirements as it is used to provide you financial services.
Nevada Residents
Nevada residents may opt out of the future sale of their personal information by contacting us at info@peakloans.com. Peak Loans does not currently sell personal information, but we will record and maintain your opt-out request.
Vermont Residents
We do not share personal information about Vermont residents with nonaffiliated third parties for marketing purposes without your affirmative consent, as required by Vermont law.
All Other States
As comprehensive state privacy laws are enacted in Missouri, Utah, Delaware, Idaho, South Carolina, Texas, Wisconsin, and other states where we operate, we will update this Policy to describe applicable consumer rights. To ask about your state's specific protections, contact info@peakloans.com.
We may update this Privacy Policy at any time. When we do, we will update the revision date at the top of this page. For material changes, we will make reasonable efforts to notify you via the email address on your account or a notice on our website. Your continued use of our site or services after changes are posted constitutes your acceptance of the updated policy.
Questions about this notice? Please contact our Privacy Team:
Notice: Peak Loans' loan products are short-term, higher-cost credit products. Our collection and use of your personal information is subject to both this Privacy Policy and applicable state and federal law, including the Gramm-Leach-Bliley Act. Loan availability and terms vary by state. Not all applicants will qualify.
