Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Indiana 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

Indiana Cash Connect is NOT a lender. We are not a direct lender, loan broker, or agent of any lender. We are a free, independent matching service that securely connects consumers with participating third-party lenders. Submitting a request does not guarantee that you will be connected with a lender or 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

We are not a direct lender, loan broker, or agent of any lender. We are a free, independent matching service that securely connects consumers with participating third-party lenders. Submitting a request does not guarantee that you will be connected with a lender or 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

Participating lenders may verify your identity and perform credit checks, either through traditional bureaus (Equifax, Experian, TransUnion) or alternative providers. By submitting your information, you consent to these checks. 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 depending on the lender, the term of the loan, and state regulations. In Indiana, finance charges cap the effective APR between 323% and 391% for small loans. Your lender will provide the exact APR and fees in your loan agreement.

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. Indiana residents: Under the Indiana Small Loan Law, you may not borrow more than $715 or 20% of your gross monthly income. The minimum loan term is 14 days. You may not have more than two small loans outstanding at any time, and they must be with different lenders.

9. Limitation of Liability

Indiana 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].