Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Rancho Cash Connection, 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

Rancho Cash Connection is NOT a lender. We are not a direct lender. This website operates as a matching service that connects potential borrowers with third-party lenders. We do not make credit decisions or provide loans directly to consumers. 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. This website operates as a matching service that connects potential borrowers with third-party lenders. We do not make credit decisions or provide loans directly to consumers. 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

Lenders in our network may perform credit checks through major bureaus or alternative providers to determine eligibility. Submitting a request on this site does not guarantee that 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

APR for payday loans is typically high, often around 460% for a 14-day loan in California. This type of credit is intended for short-term financial needs only and is not a long-term financial solution. Specific APRs will be disclosed by your lender during the loan process.

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. In California, the maximum loan amount is $255. Lenders may charge a fee of up to 15% of the face amount of the check. Payday loans are governed by the California Deferred Deposit Transaction Law.

9. Limitation of Liability

Rancho Cash Connection 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].