Notices and Disclosures

NOTICE:

We adhere to the US PATRIOT Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify your identity.

NOTICE:

A short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community. You will be charged additional fees if you renew the loan.

Arbitration of All Disputes: You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your form for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum (“NAF”) in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed.

Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arbforum.com, by telephone at 800-474-2371, or at “National Arbitration Forum, P.O. Box 0191, Minneapolis, Minnesota 55405.” Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us and will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 116. Judgment upon the award may be entered by any party in any court having jurisdiction.

NOTICE:

YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.

Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney’s fees and court costs we incur in seeking such relief.

This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are getting. By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are getting.

You also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions. You authorize us to verify all information that you have provided and acknowledge that this information may be used to verify certain past and/or current credit or payment history information from third party source(s).

We may utilize Check Loan Verification or other similar consumer reporting agencies for these purposes. We may disclose all or some of the nonpublic personal information about you that we collect to financial service providers that perform services on our behalf, such as the servicer of your short term loan, and to financial institutions with which we have joint marketing arrangements. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize and any loan you may request or authorize with other financial institutions with regard to the processing, funding, servicing, repayment and collection of your loan.

NOTICE:

The loans provided by the participating lenders in our network are short term loans, which are designed to provide cash to you to be repaid within a short amount of time. These types of loans are not a solution if you are facing long term debt and credit difficulties, and should not be used on a long-term basis. You should only borrow an amount that can be repaid on your next pay period date.

APR Disclosure: The Annual Percentage Rate is the rate at which your loan accrues interest. It is based upon the amount of your loan, cost of the loan, term of the loan, repayment amounts and timing of payments and payoff. APR. By law, the lender must show you the APR before you enter into the loan. Many states have laws limiting the APR that the lender can charge you. APRs vary from 390% to 1960%. Loans from a state which has no limiting laws, or loans from a bank not governed by state laws may have an even higher APR. Please be sure your lender gives you the APR along with the other terms of your loan before you sign their agreement.

Credit Implications: Our participating lenders may verify your social security number, driver’s license number, national ID, or any other state or federal identification and review your information against national databases to include but not limited to Equifax, Transunion, Experian, Teletrack or DP Bureau to determine credit worthiness, credit standing and/or credit capacity. Participating lenders will typically not perform credit checks with the three major credit reporting bureaus. If they do, please know that multiple inquiries on the three national databases, Equifax, Transunion, and Experian may result in lowering your credit score. Credit checks or consumer reports through alternative providers such as Teletrack or DP Bureau, typically will not affect your credit score. By submitting your form and information on this website, you agree to allow participating lenders to verify your information and check your credit as described in their policies and terms.

Renewal Policy: Each participating lender has their own renewal policy. Some participating lenders will automatically renew your loans or will require your permission to renew your loan. Some participating lenders will not renew your loan. It is important for you to understand that extending the repayment period for a loan may result in additional interest, as well as other fees, which can greatly increase the total amount you pay back on a loan. Be sure to check if your lender automatically renews loans or requires your permission to renew the loan. State laws often govern loan renewal policies. Be sure to know your state’s policies in regard to loan renewal and carefully read the lender’s terms before agreeing to and submitting your e-signature.

Implications of Late Payments: Each lender has its own criteria and policy when it comes to late payments. This may include additional fees and interest and may result in reports to the three major credit reporting bureaus causing your credit score to be lowered. Before you agree to a loan be sure you read and understand the implications of making late payments. Also, each state has rules and regulations in place that payday lenders must follow when assessing fees for late payments.

Implications of Non-Payment & Collection Practices If you do not make the payments on your loan you may be responsible for additional fees and interest and collection costs as well as negative credit reporting. Lenders are required by Federal and State law to use fair practices in their collection actions for a loan that has not been repaid. You are protected by the Fair Debt Collections Act, which includes limitation on how a lender may collect an unpaid balance including:

  • Not contacting you by phone before 8 am or after 9 pm
  • Not harassing you or using abusive language towards you over the phone.
  • Not using deception to try to collect money from you.
  • Not threatening you with legal action if it is not permitted.

We are not a lender. Only your lender can provide you with information about your specific loan terms, including the APR, renewal, payments and implications for nonpayment or skipped payments. This web site nor the publishers of this web site do not perform any credit checks or make any credit decisions.

Policy on Responsible Lending: paydayloanscashadvance‘s participating lenders are required by law to abide by both State and Federal laws and regulations in making loans to consumers. We have summarized some of these laws for you, but if you have any questions you should consult your own legal authorities.

Truth in Lending Act: The Truth in Lending Act requires every lender to present, in writing, the exact rates, fees, rollover charges, late fees and other details of their loan before a consumer assumes any obligation to initiate the loan process. The lenders terms cannot exceed applicable laws, rules, and regulations many of which are governed by the State where the consumer resides.

Dodd-Frank Wall Street Reform Act. The Dodd-Frank Wall Street Reform Act requires all lenders to engage in fair lending,which is defined as fair, equitable, and nondiscriminatory access to credit for consumers. Dodd-Frank Wall Street Reform Act also empowered the Consumer Financial Protection Bureau with the enforcement of fair lending regulations.

Fair Debt Collection Practices Act. While you are repaying your loan, you are protected by the Fair Debt Collections Act, which is enforced by the Federal Trade Commission. All lenders are required to abide by this law. The act requires that lenders comply with fair debt collection practices, which include:

  • Not contacting you by phone before 8 am or after 9 pm.
  • Not harassing you or using abusive language towards you over the phone.
  • Not using deception to try to collect money from you.
  • Not threatening you with legal action if it is not permitted.

State Regulations. In addition to the Federal Laws summarized above, all lenders are also required to abide by state and local laws regarding interest rates, loan terms, rollover limits, limits on times between loans, fee limits, and more. Consumers should educate themselves about loan product they desire and the laws, rules, and regulations applicable to the loan they are seeking While paydayloanscashadvance.com is not a lender, we strive to work with reputable lenders in the industry. All lenders in our network abide by these Federal, State and local laws.

Your continuous use of the Website and the services of the Company is deemed as Your indemnification to the Company, its parent Company, subsidiaries, affiliates and each of its individual members, directors, employees, agents, bankers, co-partners as harmless and confirm no claims or liabilities may be brought by You due to: i) Your improper or unreasonable use of the Website, ii) Your breach of these Terms and Conditions of Use or iii) any dispute between You and any third party. The provisions of this clause may be asserted in case of the respective dispute or claim brought by You.

The operator of this website is not a lender.
This site will share the form information provided by the consumer with one or more lenders.
This site can connect you with a cash advance lender based on your form and lender requirements.
Not all customers will be connected with a lender, and not all forms will be approved by a lender.
PaydayLoansCashAdvance cannot guarantee the amount of funds that may be extended if a lender approves the form.
*Not all lenders can provide up to $1,000. Consumer loan amounts vary bases on creditworthiness.
Lenders tend to provide upper range loan amounts to returning customers. Cash transfer time may vary between lenders.
Funds are not available until the next business day. Cash advances are not available in all states.
Lenders may undertake credit checks or otherwise verify the consumer’s social security number or other information.
If and when lenders preform credit checks they are ran via specialized credit bureaus.
Late payments of loans may result in additional fees or collection activities, or both.
Non-payment of credit could result in collection activities.
Each Lender has their own terms and conditions, please review their policies for further information.
Every Lender has its own renewal policy, which may differ from Lender to Lender. Please review your Lender's renewal policy.

Please refer to our Privacy Policy for important information on the use of cookies.
By continuing to use this website, you agree to the Notices and Disclosures and the Privacy Policy.

Copyright © 2014 PaydayLoansCashAdvance.com. All rights reserved.
3172 North Rainbow Boulevard #1212 Las Vegas NV 89108