Important Notice

Legal Disclaimer& Service Information

Please read this disclaimer carefully before using FastTrackPayDay's loan form services.

Important Warning

Payday loans and short-term loans are intended for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.

Service Platform Disclaimer

FastTrackPayDay provides an online platform, not a direct lender. We connect borrowers with participating lenders. We do not make credit decisions or determine loan terms.

We are not a lender or financial institution

We do not make approval or denial decisions

We do not set interest rates or fees

We do not fund loans directly

Credit Decisions & Terms

All credit decisions and loan terms are determined solely by the lenders in our network. Loan approval is not guaranteed and depends on various factors including creditworthiness.

Lenders perform independent credit checks

Loan terms vary by lender and applicant

APRs range from 5.99% to 35.99%

Loan amounts from $100 to $40,000

No Guarantee of Service

We do not guarantee that you will be connected with a lender, receive approval, or obtain any specific loan terms.

Not all applicants will qualify

Service not available in all states

Market conditions may affect availability

Lender participation may change

Third-Party Relationships

We are not responsible for the actions, services, or products of third-party lenders. Your relationship with lenders is separate from your relationship with FastTrackPayDay.

We do not endorse specific lenders

Lender terms are independent agreements

We are not party to loan contracts

Separate privacy policies may apply

Regulatory Information

California

License #603J732

California loans made pursuant to Department of Financial Protection and Innovation California Financing Law

New York

NMLS #1234567

New York loans arranged with lenders licensed by the New York State Department of Financial Services

Florida

License #CF123456

Florida Consumer Finance Company licensed by the Office of Financial Regulation

Texas

License #123456789

Texas credit access business regulated by the Texas Office of Consumer Credit Commissioner

Compliance Statement

FastTrackPayDay operates in compliance with applicable state and federal laws, including but not limited to the Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and Fair Credit Reporting Act (FCRA). All lenders in our network must comply with applicable lending laws and regulations.

Limitations & Exclusions

We are not financial advisors - seek professional advice

Past performance does not guarantee future results

Market rates and terms are subject to change

Technology failures may affect service availability

Force majeure events may impact operations

Limitation of Liability

To the fullest extent permitted by law, FastTrackPayDay shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses.

Financial Responsibility Notice

"FastTrackPayDay provides an online platform and does not provide financial advice." Before taking out any loan, consider:

Credit Counseling

Consider consulting with a non-profit credit counseling agency for financial guidance

Loan Alternatives

Explore alternatives like payment plans, credit union loans, or borrowing from family

Repayment Plan

Ensure you have a realistic plan to repay the loan to avoid additional fees and credit damage

Resources for Help

National Foundation for Credit Counseling

1-800-388-2227

Consumer Financial Protection Bureau

1-855-411-2372

Questions About This Disclaimer?

If you have questions about this disclaimer or our services, please contact our legal department. We recommend consulting with a qualified attorney for legal advice specific to your situation.

Contact Legal Department:

legal@fasttrackpayday.com