Terms of Service

1. Acceptance of Terms

By accessing, browsing, or otherwise using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. These Terms constitute a legally binding agreement between you and us. If you are using the Site on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.

2. Changes to These Terms

We may revise these Terms from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Material changes will be announced through a prominent notice on the Site. Your continued use of the Site after any change constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Site.

3. Eligibility

You may use the Site only if you are at least 18 years of age (19 in Alabama and Nebraska for certain financial products), a resident of the United States, and legally able to enter into a binding contract. By using the Site, you represent and warrant that you meet these eligibility requirements.

The rate-check service is further restricted to residents of US states served by our partner network. Residents of New York, Vermont, West Virginia, and Arkansas are not currently eligible for lender referrals through our form.

4. Description of Services

The Site provides editorial content comparing US cash advance lenders, including rankings, reviews, educational guides, and a rate-check form powered by the APIdiamond affiliate platform (aid 6142). We do not originate loans, hold deposits, or act as a lender. We are an independent editorial publisher that may receive compensation from partner lenders when visitors apply through our links.

We do not guarantee that any lender in our partner network will approve your application, that you will receive any specific interest rate, loan amount, or term, or that any particular lender will continue to serve your state of residence.

5. Editorial Content and Opinions

Factual details on the Site — fees, limits, funding speed, eligibility rules and state availability — are taken from each provider's published terms or a public regulatory source. Commentary and comparisons around those facts are the opinion of our editorial team and should not be construed as statements of fact about any lender. We publish no scores, star ratings or numbered rankings, and our characterisation of a provider may differ from assessments made by other publications.

We endeavor to keep the Site accurate and up to date but make no representation that any content is current, complete, or free from errors. Lender terms, fees, limits, and state availability change frequently and may differ from what is published on the Site at any given time.

6. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable federal, state, or local law
• Attempt to gain unauthorized access to the Site, its servers, or any related systems
• Use any robot, scraper, data-mining tool, or similar automated means to access the Site except for public search engine indexing
• Interfere with or disrupt the integrity or performance of the Site
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Submit false, inaccurate, or misleading information through any form on the Site
• Use the Site to transmit any virus, malware, or other malicious code
• Collect or harvest any personally identifying information from other users or operators of the Site
• Use the Site in any manner that could damage, disable, overburden, or impair the Site

7. Intellectual Property Rights

All content on the Site, including text, graphics, logos, images, software, and the selection and arrangement thereof, is the property of Cash Advance Lenders Loans or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may view, download, and print content from the Site for your personal, non-commercial use only, provided you do not modify or remove any copyright, trademark, or other proprietary notices. Any other use, including reproduction, modification, distribution, transmission, republication, display, or performance of the content is strictly prohibited without our prior written consent.

Third-party trademarks mentioned on the Site, including names of specific cash advance providers (MoneyLion, Albert, Chime, EarnIn, Possible Finance, Vola, Grid, SoLo Funds, Branch, Payactiv, and others), are the property of their respective owners and are used here for identification and comparison purposes only in accordance with fair-use principles.

8. Affiliate Relationships and Disclosures

We participate in affiliate marketing programs through APIdiamond (affiliate ID 6142). When you click through to a partner lender from the Site and complete certain actions (such as submitting an application), we may receive compensation. This compensation does not influence our editorial rankings or reviews.

In accordance with Federal Trade Commission guidelines at 16 CFR Part 255, we disclose our affiliate relationships in the footer of every page on the Site. We accept no payment for inclusion, for ordering, or for how a provider is described, and we publish no scores or star ratings. Our sourcing policy is set out on the Editorial Policy page.

9. Third-Party Links and Lender Relationships

The Site contains links to third-party websites, including partner lender sites and primary-source references. These links are provided for your convenience and do not constitute an endorsement of the linked content. We have no control over and are not responsible for the content, privacy policies, or practices of any third-party websites or services.

Your interactions with any lender introduced through the Site, including any transactions, are solely between you and that lender. We are not a party to any lending agreement and are not responsible for lender conduct, loan approval decisions, fees charged, or collection practices.

10. Not Financial or Legal Advice

Cash advance products are short-term credit instruments that can be expensive compared to longer-term alternatives such as credit-union payday alternative loans (PALs) or 0% intro APR credit cards. Before using any cash advance product, consider whether a lower-cost alternative is available to you.

11. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION ON THE SITE.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CASH ADVANCE LENDERS LOANS, ITS EDITORIAL TEAM, AFFILIATES, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SITE SHALL NOT EXCEED ONE HUNDRED US DOLLARS ($100.00). SOME STATES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THESE LIMITATIONS MAY NOT APPLY TO YOU.

13. Indemnification

You agree to indemnify, defend, and hold harmless Cash Advance Lenders Loans, its editorial team, affiliates, and service providers from any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Site; (b) your violation of these Terms; (c) your violation of any rights of any third party; or (d) any content you submit through any form on the Site.

14. Termination of Access

We reserve the right, in our sole discretion and without notice, to terminate or suspend your access to the Site at any time for any reason, including if we believe you have violated these Terms. Upon termination, all rights granted to you under these Terms will immediately cease. Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution.

15. Governing Law and Jurisdiction

These Terms and any dispute arising out of or relating to them or the Site shall be governed by the laws of the State of Delaware, without regard to its conflict-of-law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Delaware, and the parties consent to the jurisdiction and venue of such courts.

16. Dispute Resolution and Arbitration

You and we agree to attempt to resolve any dispute through informal negotiation before pursuing any formal dispute resolution. To initiate informal resolution, you must send a written notice describing the dispute to legal [at] cashadvancelendersloans.com. We will have 60 days from receipt of the notice to attempt to resolve the dispute.

If the dispute is not resolved through informal negotiation, you and we agree that any remaining dispute shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except for disputes qualifying for small claims court. Arbitration shall take place in Delaware unless the parties agree otherwise. Each party shall bear its own costs of arbitration, except as provided by AAA rules or applicable law.

17. Class Action Waiver

YOU AND WE AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND WE EACH WAIVE ANY RIGHT TO A JURY TRIAL.

18. Severability and Entire Agreement

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

These Terms, together with our Privacy Policy and our Editorial Policy, constitute the entire agreement between you and us concerning your use of the Site and supersede all prior agreements, communications, and proposals, whether oral or written.

19. How to Contact Us