Terms and Conditions
The rules that apply when you use CashLoan4U. Please read them — they're shorter than most.
1. Who we are and what this service is
CashLoan4U ("we," "us," or "our") operates this website as a free loan-connecting service. We are not a lender, we do not make loans or credit decisions, and we do not charge you to use this website. When you submit a request, we share the information you provide with participating third-party lenders and lending partners in our network to determine whether one of them may offer you a loan.
2. Acceptance of these terms
By accessing this website or submitting a loan request, you agree to these Terms and Conditions, our Privacy Policy, and our E-Consent. If you do not agree, please do not use the website.
3. Eligibility
To submit a request you must be at least 18 years old, a resident of the United States, have a regular source of income, and have an active checking account. This service is not available in all states; availability depends on the lenders in our network and applicable state law.
4. Your loan request
You agree that the information you submit is accurate, current, and about yourself. Submitting false or another person's information may violate law. You authorize us to share your information with lenders and lending partners in our network so they can evaluate your request, which may include verifying your information and obtaining consumer reports (typically through soft inquiries that do not affect your credit score — see Section 6).
5. The loan agreement is between you and your lender
If a lender offers you a loan, all rates, fees, terms, and disclosures are set by and presented by that lender, in accordance with the federal Truth in Lending Act and applicable state law. Review the lender's terms carefully before accepting. You are never obligated to accept an offer. Any loan agreement you enter is solely between you and your lender; we are not a party to it and are not responsible for a lender's acts, omissions, products, or terms.
6. Credit checks
Submitting a request on this website does not trigger a hard credit inquiry and will not affect your credit score. Lenders in our network may verify your information through alternative or traditional credit bureaus using soft inquiries. If you proceed with a lender's offer, that lender may perform a hard inquiry, which can affect your credit score — the lender will disclose this before it happens.
7. Costs of borrowing
Our service is free to you. APRs offered by lenders in our network range from 5.99% to 35.99% for qualified consumers, with repayment terms from 61 days to 72 months. See Loan Rates & Fees for representative examples. Late or missed payments may result in additional fees or interest charged by your lender and may be reported to credit bureaus. Short-term loans are not a long-term financial solution.
8. Communications consent
By submitting a request with your contact details and checking the consent box, you agree that CashLoan4U and its lending partners may contact you about your request by phone, text message (message and data rates may apply), and email, including via automated technology, at the contact information you provide. Consent is not a condition of any loan. You can opt out of marketing communications at any time via our Unsubscribe page or the mechanisms described in each message.
9. How we are paid
We may receive compensation from lenders and lending partners for connecting them with consumers. This compensation may influence which lenders receive your information and in what order, but it never changes what you pay: our service is free to you, and your loan costs are set solely by your lender.
10. Intellectual property and acceptable use
The content of this website is owned by or licensed to us and protected by law. You agree not to misuse the website, including by submitting false information, interfering with its operation, scraping content, or attempting unauthorized access.
11. Electronic communications and signatures
By using the service, you agree that notices, disclosures, records, and other communications may be provided electronically. If you continue with a lender, that lender may ask you to review and sign an electronic loan agreement. Electronic signatures and records may have the same legal effect as paper documents. See our E-Consent for hardware, software, withdrawal, and paper-copy information.
12. Third-party websites and lender services
The service may redirect you to a participating lender or other third-party website. We do not control those websites, and links do not constitute an endorsement. Your interaction with a lender is governed by that lender's own terms, privacy policy, disclosures, and loan agreement.
13. Disclaimers and limitation of liability
The website and service are provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for the acts or omissions of any lender or third party. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
14. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold us and our service providers harmless from claims, losses, and expenses arising from your misuse of the service, your violation of these Terms, or information you submit that infringes another person's rights.
15. Changes, suspension, and termination
We may update these Terms from time to time. The "Last updated" date above reflects the latest version. Continued use of the website after changes take effect constitutes acceptance.
We may change, suspend, restrict, or discontinue any part of the service when reasonably necessary, including for maintenance, security, legal compliance, or misuse of the website.
16. Governing law and disputes
These Terms are governed by the laws of , without regard to conflict-of-law principles.
17. Severability and entire agreement
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. These Terms, together with the Privacy Policy and E-Consent, form the entire agreement between you and us regarding this website and service.
18. Contact
Questions about these Terms: support@cashloan4u.com or via our Contact page.