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Terms of Use

Effective Date: March 2026

These Terms of Use govern your access to and use of the SUMMIT PEAK CAPITAL LLC website. By using the website, you agree to these Terms.

Permitted use

You may use the site only for lawful purposes and may not misuse, disrupt, or attempt unauthorized access.

No financial advice or commitment

Website content is informational and does not constitute financial advice or a commitment to lend. Any offer is subject to review, eligibility, and verification.

SMS program terms

If you opt into SMS communications, you agree to receive text messages from SUMMIT PEAK CAPITAL LLC related to your loan inquiry, application updates, document requests, appointment confirmations, and customer support.

  • Opt-out: Reply STOP at any time to cancel SMS messages.
  • Help: Reply HELP for assistance or contact us using the information below.
  • Message frequency: Message frequency may vary.
  • Rates: Message & data rates may apply.
  • Eligibility: You must be 18 years of age or older to use this website and opt into SMS communications.
  • Carrier disclaimer: Mobile carriers are not liable for delayed or undelivered messages.

Direct lender disclosure

SUMMIT PEAK CAPITAL LLC is a direct lender and not a loan broker, lead generator, affiliate marketer, or referral service. All applications submitted through this website are reviewed directly by SUMMIT PEAK CAPITAL LLC. We do not sell consumer information to third parties for marketing or lead generation purposes.

Website content is informational and does not guarantee approval, rates, loan amounts, or funding. Any loan offer is subject to review, verification, eligibility, and applicable law. If approved, the specific terms of your loan will be set forth in your loan agreement.

Intellectual property

The website and its contents are owned by SUMMIT PEAK CAPITAL LLC or its licensors and may not be reproduced without permission.

Disclaimers

The website is provided “as is” and “as available” to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, SUMMIT PEAK CAPITAL LLC will not be liable for indirect, incidental, or consequential damages arising from use of the website.

Contact

SUMMIT PEAK CAPITAL LLC
Registered Business Address: 3400 Cottage Way, Ste G2 #34344
Sacramento, California 95825

SUMMIT PEAK CAPITAL LLC

3400 Cottage Way, Ste G2 #34344
Sacramento, California 95825

Phone: 888-298-7078
Email: info@applysummitpeakcapital.com
Business Hours: Monday-Friday, 9:00 AM-6:00 PM PST

Direct Lender Disclosure: Summit Peak Capital LLC is a direct lender. All applications submitted through this website are reviewed directly by Summit Peak Capital LLC. We do not sell consumer information to third parties for marketing or lead generation purposes. SMS communications are used only for customer care and transactional purposes, including responding to inquiries, requesting documents, scheduling calls or appointments, and providing application status updates.

† Annual Percentage Rates (APRs) range from 6.99%–35.99%. APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0.99%–9.99% of your loan amount, which will be deducted from any loan proceeds you receive. The origination fee on a loan term of 4 years or longer will be at least 4.99%. Your loan term will affect your APR, which may be higher than our lowest advertised rate. Eligibility for the best available rate is subject to creditworthiness. For example, a 5-year $10,000 loan with a 9.99% APR has 60 scheduled monthly payments of $201.81, and a 3-year $5,000 loan with a 6.99% APR has 36 scheduled monthly payments of $152.83.

About half of our customers receive their funds the next day. After successful verification, funds may be deposited into your bank account within 1–3 business days. The term, amount, and APR of any loan we offer will depend on your credit score, income, debt payment obligations, loan amount, credit history, and other factors. If approved, your loan agreement will contain the specific terms and conditions. The timing of available funds after approval may vary depending on your bank’s policies.

Loan amounts range from $2,000–$100,000. Residents of Massachusetts have a minimum loan amount of $6,500; Ohio, $5,001; and Georgia, $3,001. For a second Summit Peak Capital loan, your total existing Summit Peak Capital loan balances cannot exceed $100,000. Summit Peak Capital products are not available to residents of Iowa, Vermont, West Virginia, the District of Columbia, or U.S. territories.

Summit Peak Capital loans may be prepaid at any time without penalty. Barring unforeseen circumstances, Summit Peak Capital loans have a minimum term of 36 months and a maximum term of 60 months.

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that when you open an account, we may ask for your name, address, date of birth, and other information that allows us to identify you. We may also ask to see your driver’s license or other identifying documents.

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