Terms of Service

Last Updated: January 1, 2024

Agreement to Terms

By accessing or using the FastCashLane website and services (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all the terms and conditions, you may not access or use the Service.

These Terms apply to all visitors, users, and others who access or use the Service. Please read them carefully before using our website.

Description of Service

FastCashLane provides a free online service that connects consumers seeking personal loans with a network of third-party lenders and financial service providers.

Important Disclaimer:

  • FastCashLane is NOT a lender. We do not make loans or credit decisions.
  • We are not an agent, representative, or broker of any lender.
  • Submitting a request does not guarantee you will receive a loan offer or be approved for credit.
  • All loan terms, conditions, and approvals are determined solely by individual lenders.

Eligibility

To use our Service, you must:

  • Be at least 18 years of age
  • Be a legal resident of the United States
  • Have a valid email address
  • Have a valid bank account in your name
  • Meet any additional criteria required by individual lenders

By using the Service, you represent and warrant that you meet all eligibility requirements.

User Responsibilities

When using our Service, you agree to:

  • Provide accurate, current, and complete information in all forms and submissions.
  • Not provide false, misleading, or fraudulent information.
  • Not use the Service for any unlawful purpose.
  • Not attempt to interfere with the proper functioning of the Service.
  • Not use automated systems or software to extract data from the Service.
  • Comply with all applicable laws and regulations.

APR and Loan Terms Disclosure

Loan terms vary by lender and are based on individual qualifications. The following information is provided for general reference only:

Annual Percentage Rate (APR)

APRs typically range from 5.99% to 35.99% or higher, depending on credit profile, loan amount, term, and other factors.

Loan Amounts

Personal loans typically range from $100 to $50,000.

Repayment Terms

Repayment terms typically range from 90 days to 72 months.

Example

A $10,000 loan with a 10% APR and 36-month term would have approximately $323 monthly payments and total repayment of approximately $11,616.

Note: Actual terms will be provided by the lender before you accept any loan. Always review all terms, fees, and conditions carefully.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.
  • WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
  • WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
  • OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO USE THE SERVICE (WHICH IS $0 FOR FREE SERVICES).

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of the Service after any changes constitutes acceptance of the new Terms.

Contact Information

If you have questions about these Terms of Service, please contact us:

FastCashLane

Email: [email protected]