Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Corpus Christi Quick Cash, 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

Corpus Christi Quick Cash is NOT a lender. Corpus Christi Quick Cash is not a direct lender. We are a loan matching service that connects consumers with a network of independent, third-party lenders. We do not make credit decisions, charge any fees for our service, or provide loans directly to the public. 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

Corpus Christi Quick Cash is not a direct lender. We are a loan matching service that connects consumers with a network of independent, third-party lenders. We do not make credit decisions, charge any fees for our service, or provide loans directly to the public. 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

Submitting a request on this website does not guarantee you will be matched with a lender or approved for a loan. Lenders may perform credit checks through various credit reporting agencies, including but not limited to Experian, Equifax, TransUnion, or alternative providers like Teletrack or DP Bureau. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

Annual Percentage Rates (APR) for payday loans can range from 200% to 700% or higher depending on the lender, the term of the loan, and your state's regulations. The APR includes the interest rate plus any fees associated with the loan. Always review the lender's terms carefully before accepting an offer.

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. In Texas, payday loans are regulated under the Texas Finance Code. Additionally, the City of Corpus Christi has passed Ordinance No. 030101, which mandates that all Credit Access Businesses must be registered with the city and limits the size of a payday loan to no more than 20% of the consumer’s gross monthly income.

9. Limitation of Liability

Corpus Christi Quick Cash 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].