e-Sign Consent Agreement

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Please keep in mind that different terms may apply to your loan, including Annual Percentage Rates (APRs) which may greatly exceed 36%. You should carefully review any and all terms, conditions, and policies provided to you by a lender, if offered a loan. APRs, terms & conditions and policies may vary from lender to lender. You are under no obligation to accept any loan offered to you.

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Legal Disclaimer: The operator of this website is not a lender, loan broker or agent for any lender or loan broker and does not make credit decisions. We are a referral service that may be able to match you with a participating lender in our network. There is no guarantee we will be able to match you with a lender and not all lenders can provide loans of up to a $1,000. Each lender in our network may have different terms, conditions and/or policies that may apply to your loan, including Annual Percentage Rates (APRs) greatly exceeding 36%. Residents of some states may not be eligible for some or all short-term, small dollar loans. Loans from states having no limiting laws and/or loans from lenders that are not governed by limiting laws may have even higher APRs than loans governed by limiting laws. You should review any such terms the lender provides you carefully before making a decision. You are not obligated to accept any loan offered to you. For details and questions regarding any loan offer, loan terms, repayment, APRs, and other policies, please contact the lender directly. Lenders in our network may perform credit checks with credit reporting bureaus or obtain consumer reports, typically from alternative providers to determine credit worthiness, and to verify your identity and the information you provide. Short-term loans are not intended to be a solution to debt and credit difficulties. Consider seeking professional financial and/or legal advice regarding your financial needs, risk and alternatives to short-term loans.

Please read this e-Sign Consent Agreement (“Agreement”) carefully and retain a copy for your records. This Agreement applies to all disclosures, agreements, statements, notices and other documents related to your application or loan (the “Documents”) including, but not limited to, any documents relating to your Documents.

This Agreement will be effective until you tell us that you no longer want to receive Documents electronically by sending notice in the manner described in Section 4 below.

1. Electronic Delivery of Documents

By checking the box and clicking “continue,” you consent and agree that:

  • a. Documents can be provided to you electronically including, but not limited to, all disclosures required by law and other information about your legal rights and duties, and our agreement to do so applies to your inquiry with us and our participating network of lenders;
  • b. Your electronic signature on any Documents has the same effect as if you signed them in ink; and
  • c. Your computer or electronic device meets the specifications and requirements listed below, and that computer or device permits you to access and retain the Documents electronically.

You agree to have all Documents sent to you electronically (1) via email, or (2) by access to a website or link that is provided to you in an e-mail notice which is sent to you when the information is available, or(3) to the extent permissible by law, by access to a website designated in advance for such purpose. You agree that Documents provided electronically have the same meaning and effect as if paper Documents were provided to you. When an email or other electronic notification is sent to you telling you that a Document is available electronically (and the Document is not is not made available online), that shall have the same meaning and effect as if a paper Document was provided to you, whether or not you choose to view it.

You also confirm that you have the hardware and software described in Section 3 below, and that you are able to receive and review electronic records, and that you have an active email account.

2. Email Address

You must keep your email or electronic address current with us. You must promptly notify us of any change in your email or other electronic address. You may change the email address on record for you by calling us during working hours. You agree that if we send an email message to you regarding any electronic communication or send any electronic communication to the email address you have provided us and such email message is returned as undeliverable, we will be deemed to have provided such electronic communication to you.

3. Hardware and Software You Will Need

You must have the following listed items and features in order to receive Documents electronically, to print copies of the documents, and to retain electronic copies of the Documents:

  • a. A personal computer with monitor, keyboard and mouse capable of accessing the internet and sending and receiving email
  • b. Internet access with 128-bit encryption
  • c. Adobe Acrobat Reader 6 or higher
  • d. Ability to Print Internet Explorer 6 or higher
  • e. Netscape 8.04 and above (Use in IE mode)
  • f. Email Access or Firefox version 1.5

As permitted by and in accordance with applicable law, we reserve the right to discontinue support of any software for any reason, including without limitation, our opinion that it suffers from a security or other defect that makes it unsuitable for use with our website. And we always reserve the right, in our sole discretion, to communicate with you by mail.

4. Withdrawing Consent

You understand that you have the right to receive Documents in paper form. You can request paper copies and/or withdraw consent to receive Documents electronically by calling us during working hours.

Any withdrawal of your consent to receive electronic Documents will be effective only after we have a reasonable period of time to process your withdrawal. If you withdraw your consent, you may not be able to use certain online functionality or complete actions with respect to your account online.