Effective Date: 07 May 2025
Welcome to Alabama Instant Cash. By using our website, services, and products, you agree to be bound by the following Terms of Use. These terms are designed to protect both you and our company while ensuring a smooth and secure experience for all users.
1. Acceptance of Terms
By accessing or using the services of Alabama Instant Cash, you agree to comply with these Terms of Use, which govern your use of our website, loan application process, and any other related services. If you do not agree to these terms, please do not use our services.
2. Loan Application Process
To apply for a loan with Alabama Instant Cash, you must:
- Be at least 18 years old.
- Provide accurate and up-to-date information on your loan application.
- Have a valid checking account for loan deposit and repayment.
- Agree to the terms and conditions outlined in your loan agreement once approved.
Alabama Instant Cash reserves the right to refuse any loan application based on our internal review and approval process.
3. Loan Approval and Terms
Loan approval is subject to your eligibility, income verification, and other criteria set by Alabama Instant Cash. Upon approval, you will receive a loan offer that includes the following terms:
- Loan amount
- Interest rate
- Repayment schedule
- Fees, if applicable
You must review and accept the loan terms before proceeding with the loan disbursement. Once the loan is approved, funds will be transferred to your designated account.
4. Repayment of Loans
By accepting the loan offer, you agree to repay the loan according to the agreed-upon terms. This includes paying the full loan amount, including any interest and fees, by the specified due date. Failure to repay may result in additional fees, penalties, or collection actions.
5. Fees and Charges
Alabama Instant Cash may charge fees related to loan processing, late payments, or other aspects of the loan. All fees will be clearly outlined in the loan agreement before you accept the loan.
6. Use of Personal Information
By applying for a loan, you consent to the collection and use of your personal information as outlined in our Privacy Policy. This includes sharing your data with trusted third-party service providers for loan processing and approval.
7. No Credit Check
While Alabama Instant Cash offers loans with no hard credit check, we may perform a soft credit check to assess your eligibility. Your credit history will not be the sole determining factor in loan approval. However, we do assess your current financial situation and ability to repay.
8. Restrictions on Use
You agree to use the Alabama Instant Cash website and services only for lawful purposes. You may not:
- Use the website to engage in any fraudulent, abusive, or illegal activities.
- Violate any local, state, or federal laws while using our services.
- Attempt to disrupt or harm the website or related services.
9. Disclaimers and Limitation of Liability
Alabama Instant Cash provides its services “as is” and makes no representations or warranties regarding the accuracy, reliability, or availability of the website or loan services. We are not responsible for any damages, loss of funds, or other liabilities resulting from your use of our services.
10. Changes to Terms of Use
Alabama Instant Cash reserves the right to modify, update, or change these Terms of Use at any time. Any changes will be posted on this page with an updated effective date. We encourage you to review these terms periodically.
11. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the state of Alabama. Any disputes arising from the use of our services shall be resolved in the appropriate courts located within Alabama.
12. Contact Us
If you have any questions or concerns about these Terms of Use, please contact us at email [email protected].