Legal

Terms of Use

Last updated: June 12, 2026

These Terms of Use (“Terms”) are a binding agreement between you and loan-payday.com (“loan-payday.com,” “we,” “us,” or “our”) governing your access to and use of our website, request form, and related services (collectively, the “Service”). By accessing or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

Please read Section 10 carefully. It contains a binding arbitration agreement and a class-action waiver that affect how disputes between you and loan-payday.com are resolved.

1. Eligibility

To use the Service, you represent and warrant that you:

Are at least 18 years of age (or the age of majority in your state of residence);
Are a legal resident of the United States with a valid U.S. address;
Have the legal capacity to enter into a binding agreement;
Are accessing the Service from a state where our Service and short-term lending are permitted. The Service is not available in all states, and the states served may change without notice.

We may decline to provide the Service to anyone for any lawful reason at any time.

2. What the Service is — and what it is not

loan-payday.com operates a loan-matching service. When you submit a request, we attempt to connect you with one or more third-party lenders or lending networks that may be willing to offer you a loan or other financial product. We provide a connection service only.

We are not a lender. We do not:

Make loans or extend credit;
Make credit, underwriting, or approval decisions;
Set the rates, fees, or terms of any loan;
Act as an agent, broker, or representative of any lender;
Guarantee that you will be matched with a lender, that any lender will make you an offer, or that you will be approved for a loan.

Submitting a request does not obligate any lender to extend an offer, and does not obligate you to accept any offer. If a lender makes you an offer, any loan agreement is solely between you and that lender, on the terms the lender provides. You should review any loan offer carefully, including the APR, fees, repayment schedule, and other terms, before accepting. See our APR Disclosure and Rates & Fees.

3. No fee for our Service

loan-payday.com does not charge you a fee to use our matching service. We may receive compensation from lenders or marketing partners when we refer a consumer or when a consumer obtains a loan. This compensation may influence which lenders or offers are presented, but it does not change the terms any lender offers you.

4. User obligations

By using the Service, you agree to:

Provide information that is accurate, current, and complete, and to promptly update it if it changes;
Use the Service only for your own personal, lawful purposes and not on behalf of another person without authorization;
Not submit false, misleading, or fraudulent information, or impersonate any person or entity;
Not use the Service in violation of any applicable law or regulation;
Not interfere with, disrupt, scrape, reverse-engineer, or attempt to gain unauthorized access to the Service or its systems.

You are responsible for all activity associated with your use of the Service and for any consequences of providing inaccurate information.

5. Third-party lenders and content

The Service connects you with independent third-party lenders and may display content, links, or offers from third parties. We do not control and are not responsible for the actions, products, services, rates, fees, terms, lending practices, or collection practices of any lender or third party. Your dealings with any lender, including any loan you accept, are solely between you and that lender. Any complaint or dispute regarding a loan should be directed to the lender, not to loan-payday.com.

6. Intellectual property

The Service and all of its content, including text, graphics, logos, design, and software, are owned by or licensed to loan-payday.com and are protected by copyright, trademark, and other laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use. You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any part of the Service without our prior written permission. “loan-payday.com” and our logos are our trademarks and may not be used without permission.

7. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT YOU WILL BE MATCHED WITH A LENDER, OR THAT ANY INFORMATION ON THE SERVICE IS ACCURATE, COMPLETE, OR CURRENT. ANY MATERIAL ON OUR SITE IS FOR GENERAL INFORMATION ONLY AND IS NOT FINANCIAL, LEGAL, OR TAX ADVICE.

8. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL loan-payday.com, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, ANY LENDER OR THIRD PARTY, OR ANY LOAN, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

9. Indemnification

You agree to indemnify, defend, and hold harmless loan-payday.com and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Service, your violation of these Terms, your violation of any law or the rights of a third party, or any information you submit.

10. Governing law, arbitration, and class-action waiver

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions below.

Binding arbitration. You and loan-payday.com agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding individual arbitration administered by a recognized arbitration provider under its applicable rules, rather than in court, except that either party may bring an individual claim in small-claims court if it qualifies.

Class-action waiver. You and loan-payday.com agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of representative or class proceeding.

Opt-out. You may opt out of this arbitration agreement by sending written notice to the contact address in Section 14 within 30 days of first accepting these Terms. If you opt out, the governing-law provision still applies, but disputes will be resolved in court.

11. Electronic communications and E-SIGN

By using the Service, you consent to receive communications and disclosures from us electronically. Your use of the Service is also subject to our Electronic Communications Consent (E-SIGN).

12. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Sections that by their nature should survive termination — including disclaimers, limitation of liability, indemnification, and arbitration — will survive.

13. Changes to these Terms

We may revise these Terms at any time. When we do, we will update the “Last updated” date above. Your continued use of the Service after changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

14. Contact us

Questions about these Terms? Contact us at:

loan-payday.com
Legal Department
Email: [email protected]
Web: loan-payday.com/contact

loan-payday.com is a loan-matching service, not a lender. We do not guarantee that you will be matched with a lender or receive a loan offer. Related disclosures: APR Disclosure · Privacy Policy · Responsible Lending.