Terms of Service

1. Acceptance of Terms

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

Dothan 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, issue loans, or set interest rates and fees. 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, issue loans, or set interest rates and fees. 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 approval. Lenders in our network may perform credit checks with alternative credit bureaus or the major credit reporting agencies to determine creditworthiness and verify your identity. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APRs on payday loans vary by lender and are subject to state laws. In Alabama, the maximum fee is 17.5% of the loan amount, which equates to an APR of roughly 456.25% for a 14-day term.

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. Alabama residents: The maximum payday loan amount allowed by state law is $500. The maximum finance charge is 17.5% of the loan amount. Loan terms must be between 10 and 31 days.

9. Limitation of Liability

Dothan 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].