Terms and Conditions

A Short term loan is designed as a short term cash solution, and is not designed as a solution for longer term financial problems for which longer term financing may be more appropriate. Credit counseling services are available to consumers who are experiencing financial problems.

Additional fees may accrue if your loan is rolled over or renewed.

Agreement To Arbitrate All Disputes: You and We agree that any and all claims, between You and Us, or any claims arising from or relating to this Loan, or any other loan You previously or may later obtain from Us, regarding collection of the Loan, or alleging fraud or misrepresentation, shall be resolved by binding arbitration. Such arbitration shall be conducted under the rules and procedures of the National Arbitration Forum (“NAF”) in effect at the time the claim is filed, as appropriate. This agreement to arbitrate all disputes shall apply no matter by whom or against whom any claim is filed. Rules and forms of the NAF may be obtained and all claims may be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or by mail at “National Arbitration Forum, P.O. Box 50191, Minneapolis Minnesota 55405.” Your arbitration fees may be waived by NAF or will be paid by Us in the event you cannot afford to pay them. The cost of any participatory, documentary or telephone hearing, if one is held at Your or Our request, will be paid for solely by Us as provided in the NAF rules. If a participatory hearing is requested, it will take place at a location near Your residence. This agreement shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction. You will have the right to recover reasonable attorneys’ fees if you prevail in the arbitration.

Notice: YOU AND WE WOULD HAVE HAD AN OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION. YOU ACKNOWLEDGE AND AGREE THAT BY ENTERING INTO THIS AGREEMENT TO ARBITRATE ALL DISPUTES YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE OR TO HAVE A COURT RESOLVE ANY AND ALL CLAIMS, DISPUTES OR CONTROVERSIES ALLEGED AGAINST US OR RELATED THIRD PARTIES.

As used in the paragraph above “claim(s)” includes all claims, disputes or controversies arising under the common law or pursuant to a federal, state, or local statute, regulation or otherwise. As used in the paragraph above, the phrase “between You and Us”, includes, but is not limited to, any claim by either You or Us against the other (or the employees, officers, directors, agents or assigns of the other). As used in the paragraph above, “claims arising from or relating to this Loan, or any other loan You previously or may later obtain from Us”, includes, but is not limited to, claims arising from or relating to Your application for this Loan, this Loan Agreement, this agreement to arbitrate all disputes, and Your agreement not to bring, join, or participate in class actions.

Agreement Not To Bring, Join Or Participate In Class Actions: To the extent permitted by law, by signing below You agree that You will not bring, join, or participate in any class action claim, dispute or controversy You may have against Us or Our agents, directors, officers, and employees. You agree to the entry of injunctive relief to stop such a lawsuit. You agree to pay costs We incur, including Our costs and attorneys fees in seeking such relief. This agreement is not a waiver of any of Your rights and remedies to pursue any claim in binding arbitration as provided above.