Terms of Use

1. Binding Legal Agreement & Electronic Consent (E-SIGN Act)

These Terms of Use ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and Simple Fast Loans ("Company," "we," "us," or "our"). By visiting, accessing, or utilizing the website located at https://simplenfastloans.com (the "Site"), or by submitting an inquiry through our digital tools, you confirm that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy.

Electronic Signatures and Communications (E-SIGN Act Notice): Pursuant to the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act (UETA), you expressly consent to conduct business electronically. You acknowledge that your electronic submission of inquiry forms, checking of assent boxes, and communication via electronic mail or text messaging constitute valid, legally binding electronic signatures having the same legal effect as ink on paper.

If you do not unconditionally agree to all terms and conditions set forth herein, you are strictly prohibited from using this Site and must immediately cease access to all tools, calculators, and informational pages.

2. Marketplace Role & No Direct Lending Disclaimer

IMPORTANT REGULATORY NOTICE: Simple Fast Loans is an educational financial publisher and an introductory referral marketplace. Simple Fast Loans is NOT a bank, credit union, depository institution, licensed lender, loan broker, debt collector, or financial advisor.

• No Credit Decisions or Underwriting: We do not make credit determinations, evaluate creditworthiness, review debt-to-income ratios, underwrite credit applications, or issue formal credit approvals or denials.
• No Loan Commitments: We do not issue loan commitments, promissory notes, or credit agreements. Submitting an inquiry on this Site does not guarantee that you will be matched with a lender or that any lender will approve a loan.
• No Funding: Simple Fast Loans does not disburse, wire, or fund loan proceeds. Any funds disbursed are transferred directly by an independent, state-licensed lender following full completion of their proprietary underwriting requirements.
• Free Consumer Service: Simple Fast Loans does not charge consumers any fee to access our informational guides, use loan payment calculators, or submit an installment loan inquiry. We may receive referral compensation from participating lenders or advertising networks when a consumer successfully connects with a lending partner.

3. Permitted Loan Scope ($200 to $5,000) & Representative Terms

The educational materials, interactive calculators, and introductory referral pathways provided on this platform pertain exclusively to personal installment loans ranging from $200 to $5,000. We do not support, accept, or process inquiries for loans exceeding $5,000 or for commercial, mortgage, or student loans.

A. Typical Installment Loan Parameters

• Loan Amounts: $200, $500, $1,000, $2,000, $3,000, up to $5,000.
• Repayment Terms: Typically 3 to 24 months, scheduled in equal monthly or bi-weekly installment payments.
• Annual Percentage Rates (APR): APRs offered by participating independent lenders generally range from 5.99% to 35.99%, depending on borrower credit profile, income verification, state of residence, loan amount, and repayment duration.
• Prepayment Penalties: Reputable installment lenders in our network typically do not charge prepayment penalties for early payoff, allowing borrowers to reduce total interest costs.

B. Representative Loan Examples

Below are illustrative examples showing how loan amounts, repayment terms, and APRs affect total repayment costs:

*Disclaimer: The above examples are purely representative and illustrative. Actual loan terms, APR, monthly payments, and total repayment costs depend on the underwriting guidelines of the specific licensed lender offering the loan contract.

4. User Eligibility, Age Verification & Representations

By accessing this Site or submitting an inquiry, you represent, warrant, and certify that:

• Legal Age: You are at least eighteen (18) years of age (or nineteen (19) years of age in Alabama and Nebraska) and possess the full legal capacity to enter into binding legal agreements.
• U.S. Residency: You are a citizen or permanent legal resident of the United States residing in a state where our referral services and installment loans are legally authorized.
• Accuracy of Submissions: All information, financial disclosures, contact details, and employment information you provide to Simple Fast Loans or partner lenders are true, accurate, current, and complete in all respects.
• Financial Standing: You have a regular source of verifiable recurring income (e.g., employment, self-employment, or government pension/benefits) and maintain an active checking or savings account in your name at a U.S. financial institution.
• Authorized Use: You will not submit loan inquiries on behalf of any other individual without legitimate, verified legal authority (e.g., valid power of attorney).

5. Loan Inquiry Submission & Data Routing Process

When you complete and submit an inquiry on Simple Fast Loans, you expressly request and authorize us to transmit your submitted information to independent, state-licensed lenders and financial service providers within our referral network.

• Inquiry Transmission: We employ automated routing algorithms to match your stated preferences (such as requested loan amount and state of residence) with participating lenders who may offer personal installment loans meeting your criteria.
• Lender Review & Redirection: If a participating lender indicates preliminary interest in reviewing your inquiry, you may be redirected to the lender's secure website or contacted directly by the lender. At that stage, you will be interacting directly with the independent lender.
• No Guarantee of Match or Approval: We cannot and do not guarantee that your inquiry will result in an introductory match, that any lender will extend a loan offer, or that any loan offer will match your ideal terms.

6. Credit Inquiries & Fair Credit Reporting Act (FCRA) Notice

Simple Fast Loans is not a consumer reporting agency as defined in the Fair Credit Reporting Act (FCRA, 15 U.S.C. § 1681 et seq.). Simple Fast Loans does not perform credit inquiries or pull consumer credit reports.

Credit Checks by Independent Lenders: When you submit an inquiry, you understand and acknowledge that participating lenders may verify your identity and assess your creditworthiness by obtaining consumer credit information from major credit reporting bureaus (Equifax, Experian, TransUnion) or specialty alternative credit reporting agencies (such as Teletrack, FactorTrust, or Clarity Services).

• Soft Inquiries: Preliminary eligibility matching often utilizes "soft credit pulls," which do not affect your personal credit score.
• Hard Inquiries: If you proceed with a formal loan application on an independent lender's platform, the lender may perform a "hard credit pull," which may be recorded on your credit history and may temporarily impact your credit score.

7. Telecommunications Consent (TCPA & Communications Rules)

By submitting your contact telephone number and email address on our inquiry forms, you provide express written consent under the Telephone Consumer Protection Act (TCPA, 47 U.S.C. § 227) authorizing Simple Fast Loans and participating lending partners to contact you regarding installment loan inquiries and related financial services.

• Automated Communications: Communications may occur via telephone calls, automated telephone dialing systems (ATDS), artificial or pre-recorded voice messages, and SMS/MMS text messages, even if your phone number is listed on a state or federal Do-Not-Call registry.
• No Condition of Credit: Consent to receive automated marketing communications is never a mandatory condition of receiving credit or using our educational tools.
• Opt-Out Instructions: You may revoke your consent to receive SMS communications at any time by replying STOP to any text message received. For help, reply HELP. To unsubscribe from marketing emails, click the unsubscribe link in the footer of any message or email [email protected] with "Unsubscribe" in the subject line.

8. Calculator & Illustrative Estimates Disclaimer

All financial calculators, APR comparison charts, payment schedules, and educational tables made available on this Site are provided strictly for general informational and illustrative purposes.

9. Independent Third-Party Lenders & External Contracts

Simple Fast Loans does not control, supervise, or endorse any independent lender, nor do we act as an agent, broker, or representative of any lender or borrower.

• Independent Relationship: Any credit transaction, promissory note, or installment loan agreement you execute is strictly a private, bilateral contract between you and that independent lender.
• Separate Policies: Independent lenders maintain their own terms of service, privacy practices, APR ranges, underwriting criteria, late fee schedules, and collections policies. We strongly encourage you to carefully read all lender disclosure documents prior to signing.
• No Liability for Lender Acts: Simple Fast Loans is not liable for any acts, omissions, errors, representations, warranties, breaches, or negligence of any third-party lender, or for any personal injury, financial loss, or property damage resulting from your dealings with third-party lenders.

10. Prohibited Uses & System Security

You agree to use this Site exclusively for lawful, non-commercial, personal borrowing inquiry purposes. You agree that you will NOT:

• Use any robot, spider, crawler, scraper, or other automated means to access, extract, or index any data from the Site without our express prior written permission.
• Submit fraudulent, deceptive, or misleading information, or impersonate any person or entity.
• Introduce viruses, Trojan horses, worms, logic bombs, or other malicious software code intended to damage or disrupt our systems.
• Attempt to gain unauthorized access to our servers, databases, user records, or network infrastructure.
• Frame, mirror, or co-brand the Site, or utilize our trademarks or trade dress without written authorization.
• Use the Site in violation of any applicable federal, state, local, or international law or regulation.

11. Intellectual Property Rights & Limited License

The Site and its entire contents, features, and functionality—including all text, articles, guides, software, code, styling, visual logos, icons, graphics, audio, video, and design layout—are owned by Simple Fast Loans, its licensors, or other content providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Limited Personal License: Simple Fast Loans grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Site strictly for your personal, non-commercial use in exploring installment loan options. You must not reproduce, distribute, modify, create derivative works of, publicly display, or republish any material from our Site without our express written consent.

12. Disclaimer of Warranties ("AS IS" & "AS AVAILABLE")

YOUR USE OF THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE AND ALL MATERIALS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

NEITHER SIMPLE FAST LOANS NOR ANY PERSON ASSOCIATED WITH US MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE. WITHOUT LIMITING THE FOREGOING, WE DO NOT REPRESENT OR WARRANT THAT THE SITE OR ITS CONTENT WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, SIMPLE FAST LOANS DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SIMPLE FAST LOANS, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND (INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS REPUTATION) ARISING OUT OF OR IN CONNECTION WITH:

• YOUR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE OR ITS CALCULATORS;
• ANY TRANSACTION, AGREEMENT, OR DISPUTE BETWEEN YOU AND ANY THIRD-PARTY LENDER;
• UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR
• ANY STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE.

IN NO EVENT SHALL OUR AGGREGATE TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE EXCEED ONE HUNDRED U.S. DOLLARS ($100.00).

14. Indemnification Obligations

You agree to defend, indemnify, and hold harmless Simple Fast Loans, its parent company, subsidiaries, affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms of Use;
• Your use of the Site, including any information submitted through inquiry forms;
• Your violation of any third-party right, including intellectual property, privacy, or statutory consumer rights; or
• Any misrepresentation or inaccurate information provided by you on any form.

15. Dispute Resolution, Mandatory Binding Arbitration & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS AND DETAILS HOW CLAIMS BETWEEN YOU AND SIMPLE FAST LOANS ARE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION.

• Mandatory Binding Arbitration: You and Simple Fast Loans agree that any dispute, claim, or controversy arising out of or relating to these Terms, our Privacy Policy, or your use of the Site shall be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court before a judge or jury.
• Class Action Waiver: YOU AND SIMPLE FAST LOANS AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims.
• Arbitration Venue & Hearing: For claims under $10,000, arbitration hearings may take place telephonically or through written submissions. Any in-person hearing will take place in Dallas County, Texas, or in the U.S. county in which you reside.
• 30-Day Right to Opt Out: You have the right to opt out of this mandatory arbitration provision by sending written notice of your decision to opt out within thirty (30) calendar days of first visiting the Site. Your notice must include your full legal name, residential address, telephone number, and a clear statement stating that you opt out of arbitration. Send your opt-out notice to: Simple Fast Loans Legal Dept., Attn: Arbitration Opt-Out, 100 Financial Way, Suite 400, Dallas, TX 75201 or via email to [email protected].

16. Governing Law, Severability & Contact Information

Governing Law & Jurisdiction: All matters arising out of or relating to these Terms or the Site shall be governed by and construed in accordance with the internal laws of the State of Texas, without giving effect to any choice or conflict of law provision. For any disputes not subject to arbitration, you consent to the exclusive jurisdiction and venue of state and federal courts located in Dallas County, Texas.

Severability & Entire Agreement: If any provision of these Terms is held by a court or tribunal of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be eliminated or limited to the minimum extent necessary so that the remaining provisions will continue in full force and effect. These Terms and our Privacy Policy constitute the sole and entire agreement between you and Simple Fast Loans regarding the Site.

Modifications to Terms: We reserve the right to revise and update these Terms at any time in our sole discretion. All changes are effective immediately when posted on this page. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.