Terms of Service

Welcome to paydayloanschattanooga.com (the “Site,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the Site and its connecting services (the “Service”). By accessing or using the Site or submitting a loan request, you agree to these Terms. If you do not agree, please do not use the Site or Service.

Eligibility

You must be at least 18 years old, reside in the United States, have the legal capacity to enter into a binding agreement, and use the Service only for lawful personal purposes. You may submit information only for yourself and must provide accurate, current, and complete information.

The Service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Availability in other states may depend on applicable law and the participation of lenders or lending partners in the network.

Our Service

paydayloanschattanooga.com is not a lender, creditor, or financial institution. We do not offer or fund loans, make credit decisions, approve or deny loan requests, determine eligibility, or set interest rates, fees, repayment terms, or other loan conditions.

The Site provides a connecting service that allows consumers to submit a loan request and access lenders or lending partners in a network. After you submit a loan request, your information may be shared with one or more lenders, lending partners, or relevant service providers.

A lender or lending partner may independently review your information and decide whether to respond to your request or present a loan offer. Approval is not guaranteed. We cannot guarantee that you will receive a loan offer, qualify for any particular amount, obtain particular rates or terms, or receive funding within any specific period.

How the Service Works

To use the Service, you may be asked to provide personal, contact, employment, income, banking, or other information relevant to your loan request. You agree to provide truthful and accurate information and not to impersonate or misrepresent another person.

After submission, one or more lenders or lending partners may review your request. Requirements vary by lender. A lender or lending partner may verify your information, request additional documentation, or obtain information from consumer reporting agencies or other data sources where permitted by law and authorized by you.

If a lender or lending partner is interested in your request, you may be redirected to or otherwise connected with a third-party provider. Your subsequent interactions with that provider are governed by the provider’s own terms, disclosures, policies, and any agreement you choose to enter into.

Compensation Disclosure

We do not charge consumers a fee to submit a loan request through the Service. We may receive compensation from lenders, lending partners, service providers, advertisers, or marketers for connections, referrals, advertising, or related services. Compensation may affect which providers or advertisements are presented or their placement.

You are not required to accept any loan offer or other third-party product or service.

No Guarantee of Approval or Terms

We do not guarantee approval, funding, loan availability, loan amounts, rates, fees, repayment periods, or any other terms. These matters are determined independently by the lender or lending partner based on its own criteria, applicable law, state availability, and your individual circumstances.

Funding times vary by lender, bank, financial institution, banking system, and other factors. Even if a lender approves a request, funding is not guaranteed within any specific period.

Credit and Information Verification

Some lenders or lending partners may verify your identity, income, employment, bank information, credit history, or other information. This may include obtaining information from consumer reporting agencies or other sources where permitted by law and authorized by you.

Additional information, documentation, or verification may be required by some lenders. We do not control the verification procedures used by lenders or lending partners.

Electronic Consent

Your use of the online Service may involve electronic records, disclosures, communications, and signatures. By providing electronic consent, you agree to conduct relevant transactions electronically and to receive applicable records and communications in electronic form, subject to applicable law.

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

Communications

By providing your contact information and submitting a loan request, you may receive service-related communications concerning your request. Where you provide applicable consent, you may also receive marketing communications from us or third parties identified in the relevant consent disclosure, subject to applicable law.

You may withdraw consent to marketing communications using the opt-out method provided in the relevant communication. Opting out of marketing communications does not guarantee that all service-related communications will stop where such communications are otherwise permitted or required.

Responsible Borrowing

Short-term loans are expensive financial products and should be used responsibly. Before accepting any loan offer, carefully review the lender’s full terms and conditions, including the annual percentage rate (APR), interest, finance charges, fees, payment schedule, total repayment amount, late-payment consequences, renewal or rollover policies, and any potential effect on your credit.

Late or non-payment may result in additional fees, collection activity, and a negative impact on your credit score. Renewal or rollover policies vary by lender and may involve additional costs. Consider available alternatives and accept a loan offer only after reviewing and understanding the lender’s complete terms and conditions.

Third-Party Providers and Websites

The Site may connect you with websites or services operated by lenders, lending partners, service providers, advertisers, or other third parties. We do not control these third parties and are not responsible for their actions or inactions, content, privacy practices, decisions, products, services, rates, fees, or terms.

A connection, referral, or presentation of a third-party service does not constitute a guarantee of approval, funding, suitability, or favorable terms. You are responsible for evaluating any third-party provider and carefully reviewing its terms before entering into a transaction.

Prohibited Uses

You may not use the Site or Service to provide false, misleading, fraudulent, or unauthorized information; submit a loan request for another person without lawful authority; impersonate another person; violate applicable law; attempt unauthorized access to systems or data; introduce malware or harmful code; interfere with Site operations or security; collect Site data through unauthorized automated means; or misuse proprietary materials or software.

We may restrict or terminate access to the Site where reasonably necessary to address violations of these Terms, unlawful conduct, fraud, abuse, security risks, or threats to the Site, users, or third parties.

Intellectual Property

Unless otherwise stated, the Site and its content, including text, graphics, design, software, and other materials, are owned by or licensed to the Site operator and are protected by applicable intellectual property laws.

You may use the Site only for lawful personal purposes related to accessing the Service. No ownership rights or intellectual property licenses are transferred to you except for the limited right to use the Site in accordance with these Terms.

Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND SERVICE ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Site will always be available, uninterrupted, error-free, or free from harmful components. We do not guarantee any result from using the Service or any action, decision, product, service, offer, or performance of a lender, lending partner, service provider, or other third party.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR SERVICE.

We are not responsible for any lender’s or third party’s actions or inactions, including decisions concerning approval, denial, loan amounts, rates, fees, repayment terms, funding, collection activity, credit reporting, or other matters outside our control.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless the Site operator and its affiliates, officers, employees, agents, successors, and service providers from claims, losses, liabilities, damages, and reasonable costs arising from your unlawful use of the Site, your material breach of these Terms, or your violation of another person’s rights.

Changes to the Service or Terms

We may modify, suspend, or discontinue parts of the Site or Service and may update these Terms from time to time. Updated Terms may be posted on the Site with a revised “Last Updated” date. Your continued use of the Site after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

Governing Law and Disputes

These Terms are governed by applicable federal and state laws, without regard to conflict-of-law principles where such principles would require the application of another jurisdiction’s laws.

Before starting formal legal proceedings, you agree to make a reasonable good-faith effort to resolve the dispute informally by contacting us. Any dispute that cannot be resolved informally may be submitted to a court of competent jurisdiction, subject to applicable law and any non-waivable legal rights.

Severability and Entire Agreement

If any provision of these Terms is found invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by applicable law.

These Terms, together with applicable disclosures, policies, consents, acknowledgments, and authorizations presented through the Site, constitute the agreement concerning your use of the Site and Service.

Contact Us

For questions about these Terms, contact us at [email protected].