Terms of Service

These Terms of Service govern your access to and use of paydayloans-boise.com, including any online loan request service, content, forms, and related features available through the website. By using this website or submitting your information, you agree to these Terms. If you do not agree, you should not use the website or service.

Important Notice

paydayloans-boise.com is not a lender, creditor, bank, financial institution, broker, or loan provider. We do not make credit decisions, approve or deny loan requests, set loan amounts, determine rates or fees, fund loans, collect payments, or guarantee that any lender will offer you a loan.

The website provides a connecting service only. When you submit a loan request, your information may be shared with lenders, lending partners, lender networks, service providers, or marketing partners that may review your information and decide whether to respond with a loan offer or related financial product. Any loan offer is made by the lender, not by paydayloans-boise.com.

Eligibility

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

This service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability, lender participation, loan amounts, rates, fees, terms, approval, and funding times vary by lender and by state.

How the Service Works

You may submit a loan request by providing personal, employment, income, banking, and other information through the website. You agree that all information you provide will be accurate, current, and complete. You may not submit information for another person without proper authorization.

After you submit a loan request, your information may be shared with one or more lenders or lending partners in a network. A lender or lending partner may review your information and may verify your identity, income, bank account information, credit history, or other details. Some lenders may request additional information or documentation.

If a lender or lending partner is interested in your request, you may be redirected to that lender or contacted by that lender. At that point, your relationship is with the lender, and any loan agreement, rates, fees, repayment terms, renewal policies, and other conditions are determined by the lender.

No Guarantee of Approval or Funding

Submitting a loan request does not guarantee that you will receive a loan offer, be approved for a loan, receive a specific loan amount, or receive funds by a specific time. A lender may approve or decline your request based on its own criteria and your individual circumstances.

Loan amounts may range from $200 to $5,000, depending on the lender, state availability, and the borrower’s circumstances. Not all lenders offer all amounts, and not all users will qualify for the amount requested.

Rates, Fees, and Loan Terms

We do not set or control any lender’s rates, fees, repayment schedules, late-payment policies, renewal policies, or other loan terms. Rates and terms vary by lender and by state. Before accepting any loan offer, you should carefully review the lender’s full terms and conditions.

Short-term loans and payday loans can be expensive financial products and should be used responsibly. You should review the annual percentage rate, finance charges, repayment dates, late-payment fees, renewal policies, and potential credit score impact before accepting any offer. Late or non-payment may result in additional fees, collection activity, and negative reporting to credit bureaus.

Credit Checks and Verification

We do not make credit decisions. Lenders or lending partners may obtain, review, or verify information about you, which may include your credit report, credit score, income, identity, bank account information, or other data. Requirements vary by lender.

Consumer Consent

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.

You consent to receive disclosures, notices, records, agreements, and other communications electronically from us, lenders, lending partners, service providers, or marketing partners as permitted by law and according to the consent you provide.

Communications

By submitting a loan request, you authorize us and applicable third parties to contact you regarding your request and related products or services, where permitted by law. Communications may include email, telephone calls, text messages, or other electronic communications.

You may opt out of marketing communications by following the unsubscribe or opt-out instructions provided in those communications. Opting out of marketing communications does not affect communications related to an existing loan request or any agreement you may enter into with a lender.

Compensation Disclosure

The service is free for consumers to use. We may receive compensation from lenders, lending partners, service providers, advertisers, or marketing partners when we share information, connect users with third parties, or display related offers. This compensation may influence which lenders, partners, or offers are presented to users.

You are not required to accept any loan offer or third-party product. You should make your own decision after reviewing all relevant terms and considering your financial situation.

Third-Party Websites and Offers

The website may redirect you to third-party websites or present third-party offers. We do not control, endorse, or guarantee any third-party website, lender, offer, product, service, content, or business practice.

You are responsible for reviewing any third party’s terms, disclosures, privacy practices, rates, fees, and loan agreement before providing information or accepting an offer. We are not responsible for the actions or inactions of any lender, lending partner, advertiser, service provider, or other third party.

Prohibited Uses

You agree not to provide false or misleading information, submit information on behalf of another person without authorization, use the website for unlawful or fraudulent purposes, interfere with website operation or security, attempt unauthorized access, transmit harmful code, scrape or copy website content, or misuse the website or service in any way.

Intellectual Property

All content on the website, including text, graphics, design, logos, icons, 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 its intended personal purpose. No ownership rights are transferred to you.

Disclaimer of Warranties

The website and service are provided on an “as is” and “as available” basis. 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.

We do not warrant that the website will be uninterrupted, secure, error-free, or free from harmful components, or that use of the service will result in any loan offer, approval, or particular financial outcome.

Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising from your use of the website, the service, third-party websites, lender communications, loan offers, loan agreements, or financial decisions.

We are not responsible for any lender’s decision, loan terms, funding timing, fees, repayment obligations, collection activity, credit reporting, renewal policy, or other action or inaction. To the extent liability cannot be excluded, our total liability will not exceed $100.

Indemnification

You agree to defend, indemnify, and hold harmless paydayloans-boise.com, its owners, officers, employees, contractors, affiliates, and agents from any claims, liabilities, damages, losses, costs, or expenses arising from your use of the website, your violation of these Terms, your violation of applicable law, or your interactions with any lender or third party.

Arbitration and Class Action Waiver

To the fullest extent permitted by law, you and paydayloans-boise.com agree to resolve disputes on an individual basis through binding arbitration rather than in court, except where small claims court is available or where applicable law provides otherwise.

You agree not to participate in any class action, class arbitration, private attorney general action, or other representative proceeding against us. The arbitrator may award relief only on an individual basis.

You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days after you first become subject to these Terms. Your email must include the subject line “Arbitration Opt-Out” and your full name.

Changes to These Terms

We may update these Terms from time to time. Updated Terms become effective when posted on the website. Your continued use of the website or service after updated Terms are posted means you accept the updated Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision does not waive our right to enforce it later.

Entire Agreement

These Terms, together with the disclosures, consents, acknowledgments, and authorizations presented through the website, make up the entire agreement between you and us regarding your use of the website and service.

Contact

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