Terms of Service

Introduction

Welcome to paydayloansfresno.com. These Terms of Service govern your access to and use of this website and its related connecting service. By using this website, you agree to these Terms. If you do not agree, please do not use the website or submit a loan request.

Important Notice

paydayloansfresno.com is not a lender, creditor, broker, financial institution, or agent of any lender. We do not make credit decisions, approve loan requests, set loan terms, fund loans, collect loan payments, or guarantee that any lender or lending partner will offer you a loan. This website provides a connecting service only.

Changes to These Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated “Last Updated” date. Your continued use of the website after changes are posted means you accept the revised Terms.

Eligibility

By using this website, you confirm that you are at least 18 years old, are a resident of the United States, have legal capacity to enter into these Terms, are acting on your own behalf, and are using the service for personal, non-commercial purposes.

Service Availability

This service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability, loan amounts, rates, fees, terms, approval, and funding times vary by lender and by state. Not all lenders or lending partners operate in all states.

Our Connecting Service

paydayloansfresno.com allows users to submit a loan request by providing certain personal, contact, employment, banking, and financial information. When you submit a loan request, we may share your information with lenders, lending partners, lender networks, marketing partners, or third-party service providers that may review your information and decide whether to respond.

A lender or lending partner may verify your information, request additional information, or check your credit before deciding whether to offer you a loan. Approval is not guaranteed. If a lender or lending partner is interested in your request, you may be redirected to that lender’s website or contacted by that lender or lending partner. Any loan offer, if made, is provided only by the lender or lending partner, not by paydayloansfresno.com.

You are never required to accept any loan offer. Before accepting an offer, review the lender’s full terms and conditions, including rates, fees, repayment schedule, late-payment rules, renewal policies, and any potential effect on your credit score.

Compensation Disclosure

Our service is provided at no cost to you. We may receive compensation from lenders, lending partners, networks, marketers, or service providers for connecting users with them, sharing submitted information, or displaying marketing offers. This compensation may affect which lenders, lending partners, or offers are presented to you.

No Loan or Financial Advice

The information on this website is provided for general informational purposes only and is not financial, legal, credit, or tax advice. You are responsible for evaluating whether a short-term loan or other financial product is appropriate for your situation. Short-term loans can be expensive and should be used responsibly.

Loan Costs and Responsible Borrowing

Loan amounts may range from $200 to $5,000, depending on the lender, state availability, and your individual circumstances. Not all lenders offer the maximum amount. Rates, fees, repayment terms, renewal policies, late-payment consequences, and funding times vary by lender. Late or non-payment may result in additional fees, collection activity, and negative impact on your credit score.

Your Information

You agree to provide true, accurate, current, and complete information when using this website. You must not submit information for another person, misrepresent your identity, or provide false or misleading details. We are not responsible for errors, delays, or outcomes caused by inaccurate or incomplete information you provide.

Credit Checks and Verification

Some lenders or lending partners may obtain, review, or verify your credit information through one or more consumer reporting agencies or alternative data sources. Other lenders may use different verification methods. Requirements vary by lender. By submitting a loan request, you authorize lenders, lending partners, and service providers to use your submitted information as permitted by applicable law and any consents you provide.

Electronic Consent

By submitting your information, you consent to receive disclosures, notices, agreements, and other communications electronically, including through email, website notices, text messages, or other electronic methods, where permitted by law. You agree that electronic communications may satisfy any legal requirement that such communications be provided in writing.

Consent to Terms and Policies

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 be contacted by us, lenders, lending partners, networks, marketers, or service providers about your request or related financial products and services. Communications may occur by phone, email, text message, or other methods, subject to applicable law and the consents you provide. You may opt out of certain marketing communications by following the instructions included in those communications.

Prohibited Uses

You agree not to use this website to submit false information, impersonate another person, submit a request on behalf of another person without authorization, violate any law, interfere with website security or functionality, upload harmful code, scrape or copy website content, send spam, attempt unauthorized access, or use the website for any commercial or unlawful purpose.

Third-Party Websites and Lenders

This website may contain links or redirects to third-party websites, including lender or lending partner websites. We do not control, endorse, or guarantee any third-party website, lender, lending partner, offer, product, service, term, fee, or decision. Your interactions with any lender, lending partner, or third party are solely between you and that party. You should review all applicable terms, privacy policies, disclosures, and loan documents before accepting any offer.

Intellectual Property

All website content, including text, graphics, logos, design elements, software, and other materials, is owned by us or our licensors and is protected by applicable intellectual property laws. You may use the website only for personal, lawful purposes related to the connecting service. You may not copy, reproduce, distribute, modify, or exploit website content without permission.

Disclaimer of Warranties

The website and connecting service are provided on an “as is” and “as available” basis. We do not warrant that the website will be uninterrupted, error-free, secure, or that any lender or lending partner will respond to your loan request. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Limitation of Liability

To the fullest extent permitted by law, paydayloansfresno.com and its owners, officers, employees, agents, affiliates, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of the website or your interactions with any lender, lending partner, marketer, or third party. We are not responsible for any lender’s approval decision, loan terms, fees, funding timing, collection activity, credit reporting, or other action or inaction.

Indemnification

You agree to defend, indemnify, and hold harmless paydayloansfresno.com and its owners, officers, employees, agents, affiliates, and service providers from and against any claims, losses, liabilities, damages, costs, and expenses arising from your use of the website, your violation of these Terms, your submission of inaccurate information, your violation of law, or your interactions with any lender, lending partner, or third party.

Arbitration and Class Action Waiver

To the fullest extent permitted by law, you and paydayloansfresno.com agree to resolve disputes on an individual basis through binding arbitration rather than in court, except where small claims court is available or applicable law provides otherwise. You agree not to participate in a class action, class arbitration, consolidated action, private attorney general action, or representative proceeding against us. This section does not limit any rights that cannot be waived under applicable law.

Governing Law

These Terms are governed by applicable laws, without regard to conflict-of-law principles, unless applicable law requires otherwise.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Any invalid or unenforceable provision will be interpreted to reflect the original intent as closely as permitted by law.

Entire Agreement

These Terms, together with any posted disclosures, consent language, Privacy Policy, E-Consent, Responsible Lending, Marketing Practices, Disclaimer, and Rates & Fees information, form the entire agreement between you and paydayloansfresno.com regarding your use of the website and connecting service.

Contact Us

Questions about these Terms may be submitted through the contact method provided on paydayloansfresno.com.