Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Humble Quick Cash, 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

Humble Quick Cash is NOT a lender. Humble Quick Cash is not a direct lender. We are a loan matching service that connects consumers with a network of independent third-party lenders and Credit Access Businesses. We do not make credit decisions or provide lending offers. 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

Humble Quick Cash is not a direct lender. We are a loan matching service that connects consumers with a network of independent third-party lenders and Credit Access Businesses. We do not make credit decisions or provide lending offers. 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 does not guarantee you will be matched with a lender or approved for a loan. Lenders may perform credit checks through traditional bureaus or alternative providers to determine creditworthiness. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

Annual Percentage Rates (APR) for payday loans in Texas can range from 200% to 600% or more. The APR is influenced by the interest rate from the lender and the service fees charged by the Credit Access Business (CAB).

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. In Texas, this service is governed by the Credit Access Business Act. All matched lenders must be licensed and follow the regulations set forth by the Texas Office of Consumer Credit Commissioner (OCCC). Consumers are encouraged to call the OCCC Consumer Helpline at 1-800-538-1579 for information regarding their rights.

9. Limitation of Liability

Humble Quick Cash 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].