Terms of Service

Please read these terms carefully before using our service.

Last Updated: January 1, 2025 | Effective Date: January 1, 2025

⚠️ NOTICE — STATE EXCLUSIONS: Our services are NOT available to residents of North Carolina. Loan availability, terms, and amounts vary by state and lender.

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and FastAdvance Financial ("Company," "we," "us," or "our"), governing your access to and use of myfastadvancefinancial.com (the "Site"). By using this Site, you affirm that you are at least 18 years of age, a US resident (excluding North Carolina), and have legal capacity to enter this agreement.

2. Nature of Service — Lead Generation Only

FastAdvance Financial is NOT a lender. We are a lead generation and marketing platform that connects consumers with independent, licensed third-party lenders. We do not make credit decisions, issue loans, set interest rates, or collect payments. Any loan offer is solely from a third-party lender.

3. Eligibility Requirements

4. Loan Terms and Cost of Credit

We do not control lender rates or terms. Cash advances in our network typically carry APRs ranging from 200% to 750% or more. Example: a $300 advance for 14 days with a $45 fee has an APR of approximately 391%. Review all lender disclosures before signing.

5. California Residents — Special Disclosures

CALIFORNIA FINANCING LAW DISCLOSURE
Loans made to California residents by our lending partners are made pursuant to California Financing Law licenses held by the respective lenders.

California residents have the right to: (1) Rescind a loan within one business day without penalty; (2) Prepay at any time without penalty; (3) File complaints with the DFPI at dfpi.ca.gov or 1-866-275-2677.

6. Military Lending Act (MLA) Notice

The Military Lending Act caps the APR for covered loans to active-duty service members and dependents at 36% MAPR. Contact your lender for details.

7. Truth in Lending Act (TILA) Notice

Lenders in our network are required to provide written disclosures of the cost of credit before you sign any agreement, including APR, finance charge, total amount financed, and total of payments.

8. Equal Credit Opportunity Act (ECOA) Notice

Federal law prohibits credit discrimination based on race, color, religion, national origin, sex, marital status, age, or public assistance income. If adverse action is taken, you have the right to a written statement of reasons within 60 days.

9. Electronic Signature and Communications Consent (ESIGN Act)

By submitting a request, you consent to electronic transactions and agree that your electronic signature has the same legal effect as a handwritten signature under the E-SIGN Act (15 U.S.C. § 7001 et seq.).

10. Information Sharing and Privacy

By submitting a request, you authorize FastAdvance Financial and its lending partners to share your information with network lenders, verify your identity and employment, pull credit reports, and contact you regarding your application. See our Privacy Policy for full details.

11. No Guarantee of Approval

Submitting a request does not guarantee connection with a lender or loan approval. Lender approval depends on their underwriting criteria, applicable state law, and your individual circumstances.

12. Arbitration Agreement and Class Action Waiver

Any dispute arising from these Terms shall be resolved by binding arbitration under AAA Consumer Rules. You waive your right to a jury trial and class action participation. You may opt out within 30 days by emailing info@myfastadvancefinancial.com.

13. Disclaimer of Warranties

THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FASTADVANCE FINANCIAL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED $100.

15. State-Specific Information

Loans are not available in North Carolina. Availability in other states depends on lender network participation and applicable state licensing. Rates, terms, and loan amounts vary significantly by state.

16. Contact Information