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Read Disclosure Before Taking Online Loans

Purpose of Payday Loans:

  • Payday loans serve to address short-term financial needs, such as unexpected bills or expenses arising before the next paycheck.
  • They are designed for immediate relief and are not intended as a long-term financial solution.

Credit Counseling:

  • If you’re facing ongoing credit challenges, seeking credit counseling is advised.
  • Relying solely on payday loans is not recommended for managing prolonged financial difficulties.

Application Invitation:

  • Our service and website invite you to submit a loan application; however, approval or funding is not guaranteed.
  • Each application is individually assessed to determine eligibility.

Legal Responsibilities:

  • Adhering to all legal obligations concerning internet-based loan procurement is your responsibility.
  • Availability of this service may vary based on your state of residence.

Alternative Lending Options:

  • If you’re averse to entering an online loan agreement under our service’s terms, consider seeking loans from in-state lenders.

Short-Term Cash Solution:

  • Payday loans are suitable exclusively as short-term tools to manage immediate cash flow.
  • They are not meant to address prolonged financial challenges or replace other credit sources.

Loan Rollovers:

  • We allow up to two rollovers or extensions of a cash advance’s term.
  • However, a new cash advance can only be issued once the existing loan is fully repaid.

Prepayment Privilege:

  • Opting to settle your loan early is encouraged and doesn’t incur prepayment penalties.
  • You may even be entitled to a partial finance charge refund.

Acceptance of Terms:

  • By permitting us to cash your checks, you signify acceptance of the terms outlined in this Agreement.
  • These terms were available through written documentation, our website, and verbal communication from our representatives.

Separate Transactions:

  • If you decide on supplementary services like money transmittal, they’re distinct from check cashing and may involve added charges.

Electronic Presentation:

  • You consent to electronic presentation of owed funds and the re-presentation of any returned presentations.
  • Representation may occur for less than the original amount, inclusive of any non-sufficient funds fees.

Rescission Option:

  • You retain the right to rescind the loan at no cost if you return the provided loan amount by 5:00 PM the next business day after the Loan Funding Date.

Fraud and Identity Protection:

  • Providing false information, altered documents, or another person’s identity constitutes fraud, subject to legal consequences.
  • Verified fraud attempts may be reported to appropriate authorities.

Negative Information Reporting:

  • Account details, including late or missed payments, may be reported to credit bureaus.

Class Action and Arbitration:

  • You agree not to participate in any class action or multi-plaintiff action against us.
  • Any disputes will be settled through binding arbitration, governed by the Federal Arbitration Act and the Code of Procedure of the National Arbitration Forum (NAF).