Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by San Jose Cash Advance, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Service Description

San Jose Cash Advance is NOT a lender. We are not a direct lender. We are a free matching service that connects borrowers with third-party, state-licensed lenders. We do not make credit decisions, fund loans, or charge borrowers any fees for our service. We provide a free service to connect consumers with lenders who may offer short-term loans. We do not make credit decisions, set loan terms, or charge fees to consumers.

3. Not a Lender

We are not a direct lender. We are a free matching service that connects borrowers with third-party, state-licensed lenders. We do not make credit decisions, fund loans, or charge borrowers any fees for our service. The actual lender is responsible for all aspects of the loan, including the application process, approval, funding, and collections. Loan terms, including APR, fees, and repayment terms, are set solely by the lender.

4. No Guarantee of Approval

Submitting a loan request through our Site does not guarantee that you will be matched with a lender or approved for a loan. Approval is at the sole discretion of the lender and depends on the information you provide and the lender's underwriting criteria.

5. Credit Checks and Reporting

Participating lenders may perform credit checks or verify your information through traditional or alternative credit reporting agencies. Submitting a request form does not guarantee that you will be connected with a lender or approved for a loan. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APR varies significantly by lender and state. In California, payday loans carry high interest rates, typically resulting in an APR of around 460% for a 14-day loan. Please review your lender's specific terms, fees, and APR carefully before signing any agreement.

7. Financial Responsibility

Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. Borrowers with credit difficulties should seek credit counseling. You are responsible for carefully reviewing the loan agreement provided by the lender before accepting any loan offer.

8. State Regulations

Loan availability, terms, and regulations vary by state. Not all lenders operate in all states. California Residents: Payday loans are regulated by the Department of Financial Protection and Innovation (DFPI) under the California Deferred Deposit Transaction Law. The maximum loan amount is $300, with a maximum allowable fee of 15% of the check amount (maximum $255 cash advance). Rollovers are strictly prohibited.

9. Limitation of Liability

San Jose Cash Advance shall not be liable for any damages arising from the use of this Site or any loan obtained through a lender connected via our service. All information is provided "as is" without warranty.

10. Contact

If you have questions about these Terms of Service, please contact us at [email protected].