Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Moreno Valley 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

Moreno Valley Cash Advance is NOT a lender. We are not a direct lender. We are a free referral service that connects borrowers with participating third-party lenders in our network. We do not make credit decisions, issue loans, or determine loan terms. 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 referral service that connects borrowers with participating third-party lenders in our network. We do not make credit decisions, issue loans, or determine loan terms. 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

Lenders in our network may perform credit checks or verify your information through national databases and alternative credit bureaus (like Clarity or DataX). Submitting a form does not guarantee loan approval. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APRs for payday loans in California typically range up to 460% for a 14-day loan. Your specific APR will depend on the lender, your credit profile, and the exact loan term. Always review your loan 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 fee of 15% of the check amount (max cash advanced is $255). Rollovers are strictly prohibited.

9. Limitation of Liability

Moreno Valley 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].