Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Killeen Quick Cash, 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

Killeen Quick Cash is NOT a lender. Killeen Quick Cash is not a direct lender. We are a matching service that connects borrowers with a network of third-party lenders. We do not make credit decisions or provide loan offers 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

Killeen Quick Cash is not a direct lender. We are a matching service that connects borrowers with a network of third-party lenders. We do not make credit decisions or provide loan offers 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 traditional bureaus or alternative providers to determine eligibility. Submitting a request through this site does not guarantee you will be matched 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 (Annual Percentage Rate) for payday loans in Texas can range significantly, often between 200% and 650%. Your specific APR will depend on the lender, the loan amount, and the term of the loan. Always review the lender's full terms before signing.

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 residents: Loans are subject to the Killeen Credit Access Business (CAB) ordinance. Loans are limited to 20% of your gross monthly income. Refinances are limited to three, and each requires a 25% principal reduction. Active-duty military members and their dependents are protected by the Military Lending Act (32 C.F.R. Part 232).

9. Limitation of Liability

Killeen Quick Cash 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].