Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by FW Cash Connect, 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

FW Cash Connect is NOT a lender. We are not a direct lender, loan broker, or agent for any lender. This website is a free, no-obligation matching service that connects potential borrowers with participating third-party lenders. We do not make credit decisions, fund loans, or set rates and 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, loan broker, or agent for any lender. This website is a free, no-obligation matching service that connects potential borrowers with participating third-party lenders. We do not make credit decisions, fund loans, or set rates and 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

Participating lenders may verify your social security number, driver's license number, or perform a credit check through alternative providers or major credit bureaus (Equifax, Experian, TransUnion) to determine your eligibility. Submitting a request does not guarantee you will be connected with a lender or approved for a loan. 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 Texas can be very high, often exceeding 400%. The operator of this website does not charge any fees for its services and cannot provide exact APRs or loan terms. Your lender will provide you with all rate and fee information prior to signing 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. Texas law requires Credit Access Businesses and lenders to be licensed by the Texas Office of Consumer Credit Commissioner (OCCC). Fort Worth city ordinance #21596-12-2014 restricts payday loan amounts to 20% of the borrower's gross monthly income and limits rollovers.

9. Limitation of Liability

FW Cash Connect 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].