One Capital Loans, INC. · United States

Personal Loan Agreement

"Maximize your wealth & minimize your worries." A fixed 10% flat interest rate, transparent terms, and an electronically signed contract you can keep.

Application No.: OCL-75195620
Prepared: August 3, 2026
Governing Law: United States

1. The Parties

This Loan Agreement (the "Agreement") is entered into on August 3, 2026 by and between One Capital Loans, INC. (the "Lender") and the individual identified below (the "Borrower").

Lender

One Capital Loans, INC.

BBB & FTC Approved Finance Company
United States of America
info@onecapitalloans.com

Borrower

The signing applicant

As provided below
A signed copy will be emailed to you

2. Borrower Information

Full legal name *Email address *Phone number *10 digits · Format: xxx-xxx-xxxxFull SSN *9 digits · Format: xxx-xx-xxxx

Home address *

Co-signer / reference name Co-signer / reference phone 10 digits · Format: xxx-xxx-xxxxAgreement date *

3. Identity Verification

For your safety and ours, please upload clear photos of the front and back of a government-issued ID (driver's license, passport, or state ID). You can take the photos directly with your device camera. Files are stored privately and only reviewed by One Capital Loans.

Front of ID

No image selected.

Back of ID

No image selected.

Accepted: JPG or PNG. Tip: on mobile, tap "Take photo" to use your camera.

4. Loan Amount & Installment Calculator

The Lender agrees to extend to the Borrower a loan at a fixed interest rate of 10% of the principal, repayable in equal monthly installments over the term selected below. Loans available from $500.00 up to $100,000.00.

Loan amount$5,000.00

$500.00$100,000.00

Repayment term

Principal: $5,000.00
Interest (10%): $500.00
Total repayment: $5,500.00
Monthly payment: $229.17

5. Terms & Conditions

Please scroll through and read all clauses before signing.

4.1 Principal & Interest

The Lender shall advance the Principal to the Borrower. Interest shall accrue as a flat charge equal to ten percent (10%) of the Principal and shall be added to the Principal to form the Total Repayment Amount.

4.2 Repayment

The Borrower shall repay the Total Repayment Amount in equal monthly installments as calculated above, commencing thirty (30) days after disbursement of funds and continuing on the same day of each subsequent month until paid in full.

4.3 Prepayment Policy

The Borrower may prepay all or any portion of the outstanding balance at any time without penalty. Prepayment does not reduce accrued flat interest already assessed under Section 4.1.

4.4 Late Payments & Default

Any installment not paid within ten (10) days of its due date shall be considered in default. Upon default, the Lender may declare the entire unpaid balance immediately due and payable and pursue any remedy available at law or equity.

4.5 Use of Funds

The Borrower agrees to use the funds solely for the personal or business purpose disclosed during application. Misappropriation of funds may constitute a breach of this Agreement.

4.6 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the United States and the state in which the Lender maintains its principal place of business.

4.7 Entire Agreement

This Agreement constitutes the entire understanding between the parties concerning its subject matter and supersedes all prior negotiations, representations, or agreements.

4.8 Electronic Signature

The parties agree that this Agreement may be executed by electronic signature, which shall be considered an original signature for all purposes and shall have the same force and effect as a handwritten signature.

6. Acknowledgements

Repayment Guarantee. I understand and agree that all shares, interest and deposits with One Capital Loans, INC. owned by me are hereby pledged, individually and severally, as security for the said loan. In the case of default, the Lender is authorized to deduct any balance, interest, and costs relating to the loan from the security hereby pledged.BBB & FDIC Terms. I declare that the particulars provided are true to the best of my knowledge and I agree to abide by the by-laws, conditions and terms of the loan policy and any variations by the credit committee.Legal Notice. In accordance with Federal Trade Commission (FTC) guidelines and standard fraud prevention protocols, account details will be verified via micro-deposit. Retaining micro-deposit funds contrary to the terms of this Agreement, or submitting fraudulent information during verification, constitutes a breach of agreement and may lead to legal consequences.

7. Borrower Signature

By signing below, the Borrower agrees to all terms in this Agreement. Your electronic signature carries the same legal effect as a handwritten signature under the U.S. E-SIGN Act.

Sign above

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Borrower — printed name: August 3, 2026
Date: One Capital Loans, INC.
Lender: OCL-75195620
Application #

Your information is transmitted securely and stored on our servers.

Please check all three acknowledgements in Section 6 to continue.