Terms of Use

1. Eligibility

To use our services and apply for a loan, you must:

• Be at least 18 years of age (19 in Alabama and Nebraska).
• Be a U.S. citizen or permanent resident.
• Have a valid, active checking account in your name.
• Have a verifiable source of regular income.
• Reside in a state where QuickCash Loans is licensed to operate.

2. Loan Products

QuickCash Loans offers short-term payday loans ranging from $100 to $1,500. Loan amounts, fees, repayment terms, and availability vary by state. All loans are subject to approval based on our underwriting criteria. Approval is not guaranteed.

3. Application & Agreement

By submitting a loan application, you authorize QuickCash Loans to:

• Verify your identity and the accuracy of information you provide.
• Access your banking information to verify account activity and facilitate fund disbursement.
• Contact you via email, phone, or SMS regarding your application and account.

Upon approval, you will receive a Loan Agreement detailing the loan amount, finance charge, APR, repayment date, and all applicable terms. You must electronically sign this agreement before funds are disbursed. Your electronic signature constitutes a legally binding agreement.

4. Repayment

Repayment is due on your next scheduled payday or as specified in your Loan Agreement. By accepting a loan, you authorize QuickCash Loans to initiate an ACH debit from your designated bank account on the repayment date for the full amount owed, including any applicable fees.

If you are unable to repay on the scheduled date, please contact our customer service team at least two (2) business days before the due date. Late or missed payments may result in additional fees and may be reported to consumer reporting agencies.

5. Fees & Charges

Our standard finance fee is $15 per $100 borrowed (391% APR for a 14-day term). State-specific fees and terms are disclosed in the Loan Agreement and on our Rates & Terms page. We do not charge application fees or prepayment penalties.

6. Prohibited Use

You agree not to use our website or services to:

• Provide false, inaccurate, or misleading information.
• Engage in any fraudulent, abusive, or illegal activity.
• Attempt to gain unauthorized access to our systems or data.
• Violate any applicable local, state, federal, or international law or regulation.

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of QuickCash Loans LLC and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by applicable law, QuickCash Loans LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services, even if we have been advised of the possibility of such damages. Our total liability to you shall not exceed the amount of the loan you received, if any.

10. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Any dispute arising under these Terms shall first be addressed through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted to this page with an updated effective date. Your continued use of our services after changes are posted constitutes your acceptance of the revised Terms.

12. Contact Us

If you have questions about these Terms of Use, please contact us: