Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by NOLA Cash Advance, 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

NOLA Cash Advance is NOT a lender. NOLA Cash Advance is not a direct lender. We are a free matching service that connects borrowers with independent, third-party lenders. We do not make credit decisions, fund loans, or determine your loan terms. Submitting your information on this website does not guarantee that you will be approved for a loan. 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

NOLA Cash Advance is not a direct lender. We are a free matching service that connects borrowers with independent, third-party lenders. We do not make credit decisions, fund loans, or determine your loan terms. Submitting your information on this website does not guarantee that you will be approved for a loan. 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 through our site does not guarantee approval. Participating lenders may perform credit checks or verify your information through alternative credit bureaus (such as Teletrack or DataX) to determine your eligibility and ability to repay. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APR (Annual Percentage Rate) varies by lender, state, and loan term. In Louisiana, payday loan APRs typically range from 390% to 780%. Your specific rate will be provided by your lender before you sign any loan agreement. If you do not agree to the terms, you are under no obligation to accept the loan.

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. Louisiana Residents: The maximum loan amount for a payday loan in Louisiana is $700. The maximum loan term is 60 days. Lenders may charge a fee not to exceed 16.75% of the face amount of the check plus a $10 documentation fee. Payday loans should be used for short-term financial needs only, not as a long-term financial solution.

9. Limitation of Liability

NOLA Cash Advance 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].