Welcome to the Perch Loans Privacy Policy

Privacy Policy


What does Perch Loans do with your personal information?

Why? 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.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include

  • Social Security number and income
  • transaction history and credit history
  • employment information and checking account information

How? 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 Perch Loans chooses to share; and whether you can limit this sharing.

Information We Collect

Reasons we can share your personal information:

For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

  • Does Perch Loans share? Yes
  • Can you limit this sharing? No

For our marketing purposes— to offer our products and services to you

  • Does Perch Loans share? Yes
  • Can you limit this sharing? No

For joint marketing with other financial companies

  • Does Perch Loans share? Yes
  • Can you limit this sharing? No

For our affiliates’ everyday business purposes— information about your transactions and experiences

  • Does Perch Loans share? Yes
  • Can you limit this sharing? No

For our affiliates’ everyday business purposes— information about your creditworthiness

  • Does Perch Loans share? Yes
  • Can you limit this sharing? Yes

For our affiliates to market to you

  • Does Perch Loans share? Yes
  • Can you limit this sharing? Yes

For nonaffiliates to market to you

  • Does Perch Loans share? Yes
  • Can you limit this sharing? Yes

Mobile Numbers

To limit our sharing, mail this form. Please note: 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.


Call 1-866-261-5168 or contact us

Who we are

Who is providing this notice?

Perch Loans through its operating entities including Flexible Loans of Delaware, LLC; Flexible Loans of Mississippi, LLC; Flexible Loans of Missouri; LLC Flexible Loans of Wisconsin, LLC.

What we do

How does Perch Loans protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Perch Loans collect my personal information?

We collect your personal information, for example, when you

  • apply for a loan or give us your income information
  • provide employment information or provide account information
  • give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Text Message Policy

When you provide us your cell phone number and opt in to our text messaging program, you have provided us with express consent to send you text messages about your loan, such as payment reminders. You may also opt in to receive marketing messages about other services we offer, including special offers you may be eligible for. Your cellular provider’s message and data rates may apply to our confirmation message and all subsequent messages. We do not charge you for any text messages we send you.

You understand the text messages we send may be seen by anyone with access to your phone. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private. Please notify us immediately if you change mobile numbers or plan to provide your phone to another person.

If we modify this Text Message Policy, we will notify you by sending you a text message with a link to the new policy. We may terminate our text message program at any time. If you have any questions about this policy, would like us to mail you a paper copy of this policy or are having problems receiving or stopping our text messages, please contact us at CustomerCare@service.PerchLoans.com or 1-866-261-5168.

By opting in, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use of email, and/or telephone calls and/or SMS text messages to your cellular, home or work phone numbers, as well as any other phone number you have provided in conjunction with this account, including with the use of automatic telephone dialing systems, autodialers, or an artificial or prerecorded voice.

Opt-out or STOP

If you wish to stop receiving marketing text messages from us, reply to any marketing text message we have sent you with STOP. If you wish to stop receiving account maintenance text messages from us, such as payment reminders, reply to any account maintenance text message we have sent you with STOP. If you wish to stop receiving all text messages from us, type STOP ALL in the reply text you send us. Your stop request will become effective within one day.

Help or Support

If at any time you need our contact information or information on how to stop text messages, reply to any text message we have sent you and in the reply text simply type HELP. Upon receiving your text message, we will send you a text message with our phone number, a link to this policy, and instructions on how to stop text messages. The number of text messages that we send to you per month will depend on your specific account details. It is our policy to send no more than two marketing messages per month. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access.

Terms & Conditions

Welcome to Perch Loans!

Thank you for visiting this web site, which is owned and operated by AARC, LLC ("AARC"). AARC provides and maintains this site for your personal information. By accessing and using the site, you accept and agree, without limitation, to the following terms and conditions:

Intellectual Property

The trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images appearing on this site are protected intellectual properties owned by AARC, its licensees, or other third parties who have authorized use of such properties on this site. AARC will aggressively enforce its intellectual property rights to the fullest extent of the law.

Your Use of this Site

AARC grants you permission to view and make copies of documents, pages, images or other materials or content on this site for the purposes of obtaining an installment loan from Perch Loans or their affiliates for your non-commercial, personal use. AARC reserves all other rights in this web site and its contents. You may not distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of AARC. Except as expressly provided on this site, nothing contained on this site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right.

Limitation of Liability and Disclaimer of Warranties

AARC uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. AARC makes no representations regarding the use or results of any content on this site as to its accuracy, reliability or any other matter. NEITHER AARC NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. Everything on this site is provided "AS IS" AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Because some jurisdictions may not allow the exclusion of implied warranties or limitation of certain types of damages, some of the above exclusion limitations may not apply to you. Check your local laws.


This site may contain links to sites maintained by third parties. AARC is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

Customer Reviews

If you post content or submit material, you grant Perch Loans a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, perform, translate, create derivative works from, distribute, and display such content throughout the world in any media. Furthermore, you hereby grant Perch Loans permission to use your statements for the purpose of advertising and publicity without restriction; and that you will indemnify Perch Loans for all claims resulting from content you supply.


AARC will use any personal data supplied through this site in accordance with its Privacy Policy.

Offers Void in Some States

The offers advertised on this site may be void in some states.

Law and Venue

Your use of this site is governed by the laws of the State of South Carolina, without regard to its choice of law provisions. The Spartanburg County, South Carolina Courts of general jurisdiction will be the exclusive venue for litigating disputes arising out of these Terms and Conditions of Use or your use of this site.

Users Outside U.S.

This site is maintained by AARC from its corporate offices in Spartanburg, S.C., U.S.A. AARC makes no representation that the documents, pages, images or other materials or content on this site are appropriate or available for use in jurisdictions outside the U.S.A.


AARC reserves the right to modify these terms and conditions from time to time. Your use of this site after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.