Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Orlando 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

Orlando Quick Cash is NOT a lender. Orlando Quick Cash is not a direct lender. We are a loan matching service that connects Orlando residents with a network of 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

Orlando Quick Cash is not a direct lender. We are a loan matching service that connects Orlando residents with a network of 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

Submitting a request on this website does not guarantee you will be matched with a lender or approved for a loan. Lenders may perform credit checks or verify your Social Security number through national databases. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APR ranges vary by lender and are based on several factors including your credit profile and state regulations. In Florida, payday loan APRs are typically between 200% and 400% for short-term borrowing. Always review the full terms of any offer before accepting.

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. Florida residents are limited to one outstanding payday loan at a time. Per FL Stat. 560.404, loans cannot exceed $500 and must have a term of 7 to 31 days. A 24-hour cooling-off period is required between consecutive loans.

9. Limitation of Liability

Orlando 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].