Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by OKC Cash Connect, 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

OKC Cash Connect is NOT a lender. We are not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions, and we do not charge consumers any fees for our service. 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

We are not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions, and we do not charge consumers any fees for our service. 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 form does not guarantee approval. Participating lenders may perform credit checks with credit reporting bureaus or obtain consumer reports through alternative providers to determine your eligibility. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APRs vary by lender and state. In Oklahoma, the maximum allowable interest rate under the Small Lenders Act is 17% per month, equating to a maximum APR of 204%. Your actual rate will depend on your lender's terms.

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. Oklahoma Residents: The state of Oklahoma regulates small loans under the Small Lenders Act. The maximum loan amount is $1,500. The minimum loan term is 60 days, and the maximum is 12 months. Lenders may charge a maximum monthly interest rate of 17% (up to 204% APR). Monthly payments cannot exceed 20% of your gross monthly income.

9. Limitation of Liability

OKC Cash Connect 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].