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Please read the terms and conditions below carefully before you start to use the MyUSAFinance.com website.
By using our website you are agree to abide by these terms and conditions and to use our website for lawful purposes only. If you do not agree with the terms and conditions please refrain from using our website.
MyUSAFinance.com is not a lender and does not make lending or credit decisions. This website does not constitute an offer or solicitation to lend. This site will submit the information you provide to a lender. Providing your information on this web site does not guarantee that you will be approved for a short term cash loan. We expect lenders to fully inform you of the loan being offered, including all of the disclosures required by federal, state and local statutes and regulations. Whether you accept the loan or not is completely up to you, and there is no obligation if you reject it. Not all products and services are available in all geographic areas.
Access to our website.
The use and access of our website is permitted on a temporary basis. We reserve the right to withdraw and/or alter our services at any time, without prior notice, and cannot be held liable if our website is not available from time to time for any reason.
We may deny your access to some or all our services if you engage in conduct that myusafinance.com feel violates its terms, the rights of myusafinance.com or any third party. This will be done at the sole discretion of myusafinance.com and without prior notice.
myusafinance.com is not responsible for errors and/or delays in our service caused by inaccurate application information and/or technical problems beyond our control. You are responsible that everyone who enters our website through your Internet connection is aware of, and complies, with our terms and conditions.
Material on the website
This website and the information on this website relating to us are provided “as is”. Material posted on this website is not intended to be regarded as advice. As a result we disclaim all liability and responsibility that comes from reliance taken on the materials on this website by any visitor, or by anyone informed of its content.
In a similar vein, articles and material on this website highlighting the financial services available are highlighted as an opinion only and should not be taken as financial advice. Visitors to our website who need financial advice should seek help from a registered and qualified Independent Financial Adviser (IFA).
Trademark and Intellectual Property
The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on the site, are registered and unregistered Trademarks of myusafinance.com. Nothing contained on the site should be construed as granting, by implication or otherwise, any license or right to use any content on the site without the written permission of myusafinance.com. This includes but is not limited to graphics, photographs, designs, characters, trade names, titles as well as electronic intellectual property such as software products and written information.
Our website changes regularly
We strive to update the content on our website on a regular basis. We may suspend access to our website or close it indefinitely, if the need arises. The material on our website may be out of date and we are under no obligation to update it.
Our liability
We do not guarantee the accuracy of the material displayed on our website.
To the extent permitted by law, we and third parties connected to us exclude all conditions, warranties and liability for any direct, consequential and indirect loss and/or damage that is incurred by any visitor and/or user of our website, or in connection with the use, results of the use, or the inability of use of our website, including any liability for income and/or revenue loss, loss of business, loss of contracts, loss of savings, loss of data, or any other loss and/or damage of any kind; however arising and whether caused by negligence or breach of contract.
Indemnity
As a condition of using this web site and/or the services offered herein, you agree to indemnify myusafinance.com and its participating lenders from and against any and all liabilities, expenses (including attorneys’ fees) and damages arising out of claims resulting from your use of this web site, including without limitation any claims alleging facts that if true would constitute a breach by you of these Terms.
Applicable law and jurisdiction
The terms and conditions, any dispute and/or claim arising from them will be governed and construed in accordance with the laws of the home state of myusafinance.com. By using our website you agree that any issues arising relating to these Terms of Website use, will be filed only in the state or federal courts located in home state of myusafinance.com. We reserve the right to initiate proceedings relevant to your breach of these terms and conditions to your country of residence or any country of relevance. Our failure to act on a breach of these Terms of Website use does not waiver our right to act on breaches at a later date.
Your information and your visit to our website
In accordance with our privacy policy, we process information about you. By using our website you consent to this and certify that all information is accurate.
You must not knowingly misuse our website by adding or introducing Trojans, viruses, worms and other malicious and/or technologically harmful material. You must not attack our website via denial-of-service or attempt to gain access to unauthorized areas of our website, our server, database or any other technical systems associated with our website.
If you breach these terms, you will be committing a criminal offence and will be reported to the relevant authorities, with your access to our website immediately removed.
We are not liable for loss and/or damage caused by any technologically harmful material that may affect your computer, data or other material due to the use of our website, or any website linked to our website.
E-Consent
You agree that by clicking “Get Started” (or any similar button you use to submit a request to be connect with a lender) acts as your electronic signature. You further consent that we and any lender we share your request with can communicate with you electronically and that any required disclosures may be provided to you electronically.
Credit Checks
You acknowledge, agree, and authorize that (a) www.myusafinance.com and/or its related companies will obtain consumer and related information about you from one or more consumer reporting agencies for the purposes of evaluating your credit worthiness, (b) your information may be sent to lenders and/or financial providers on your behalf, (c) your information may be used in order to make sure you are who you say you are, and to determine how much debt you currently have in order to determine your debt-to-income ratio, (d) such lenders and/or financial providers may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax, (e) and your information may be used by lenders and/or service providers to make prequalification and other credit decisions.
Links to and from our website
Links to our homepage are acceptable as long they are done in a lawful and fair manner. You must not damage or take advantage of our reputation, or suggest any association with us where it does not exist. We reserve the right to remove linking permission without notice.
Links to other sites and resources from our site are provided for your information only. We have no control, nor have any responsibility for any loss and/or damage that could arise from using them.
Changes to terms and conditions
myusafinance.com has the right to change these terms and conditions at any time without prior notice. Any updates to the terms and conditions will be posted online. You are advised to periodically check the terms and conditions to notice any changes made. By continuing to use this site after these changes are made you are accepting the updated terms and conditions and they are binding to you.
Contacting Us
For any comments or questions you may have about our terms and conditions please contact us:
myusafinance.com
info@myusafinance.com
Company address:
700 Milam Street, Suite 1300-219
Houston, TX 77002
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Important Disclosure. Please Read Carefully.
MyUSAFinance is not a lender and does not make credit decisions. MyUSAFinance.com connects interested persons with a lender from its network of approved lenders. MyUSAFinance.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. The time to receive loan proceeds varies among lenders, and in some circumstances faxing of application materials and other documents may be required. Submitting your information online does not guarantee that you will be approved for a loan. You may exit the process at any step as you are under no obligation to accept the loan presented. For details on your loan please contact your lender directly. This service is not available in all states. Residents of Arkansas, New York, Vermont and West Virginia are not eligible to use the service to request a loan. By using this website or services, you represent and warrant that you are at least 18 years old, that you are a resident of the United States, and that you are not a resident of any state where the loan you are applying for is illegal. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you. MyUSAFinance.com does not pull your credit or look at your creditworthiness, but responsible lenders will. By submitting your information to MyUSAFinance.com, you are giving lenders in MyUSAFinance.com’s network permission to verify your social security number, driver license number or other identification, and to review your creditworthiness by pulling your credit history from major credit bureaus as well as from alternative credit bureaus such as Teletrack or DP Bureau. MyUSAFinance.com receives compensation from its lenders based on advertising services. MyUSAFinance.com is a free service and will never charge a fee to be connected to a lender.
Representative Example
If you borrow $5,000 and the loan had an 8% origination fee ($400), on a 48 month repayment term at a 19.25% APR, the monthly repayment will be $134.16. Total repayment will be $6,439.50. Total interest paid will be $1,039.50.
Important Information
MyUSAFinance.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process. The lenders and lending partners we work with offer 61-day to 84-month loan terms with an APR range of 5.99% to 35.99% depending on how the APR is calculated, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. Some states cap APR and the amounts of charges for an online personal loan. Loan terms may range from 2 weeks to 84 months depending on your loan and the lender you are connected with.
Implications of Late and Non Payment
Your lender may charge you late fees as well as fees for non-sufficient funds. Please review your loan agreement carefully for information about the financial implications of non-payment before you provide your electronic signature. Non-payment may involve debt collection practices as it is set by applicable law. Your lender may set late payment fees in accordance with state regulations. Lenders are within their rights to report your failure to repay a loan to one or all of the major credit reporting agencies — Experian, Equifax. After the lenders receive payment in full, they can report it to the credit reporting agencies. We remind that late payment or non-payment of your loan can have negative impact on your credit history. Some of the lenders in our network may automatically renew your short term loan if it becomes past due. This term is clearly identified in your loan agreement. You should check your loan agreement for your lender’s policy on automatic loan renewal prior to e-signing it. If your loan is renewed, there will be additional charges as determined by your lender, and the minimum term can be set up. Your lender may offer you other options in addition to renewal, including the ability to repay your loan in full at a later date or repay your loan over time in a series of installment. You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. For more information about your lender’s specific procedures as they apply to late payments, please review your loan agreement or contact your lender directly. Origination, documentation and other additional fees may apply to your online personal loan deal. Late payment, non-payment fees and other penalties may apply to both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.