Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by El Paso Quick Loans, 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

El Paso Quick Loans is NOT a lender. El Paso Quick Loans is not a direct lender. We are a matching service that connects borrowers with third-party lenders in our network. We do not make credit decisions or provide lending services directly to consumers. 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

El Paso Quick Loans is not a direct lender. We are a matching service that connects borrowers with third-party lenders in our network. We do not make credit decisions or provide lending services directly to consumers. 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

Lenders in our network may perform credit checks through major bureaus or alternative providers. Submitting a request through this website does not guarantee you will be matched with a lender or approved for a loan. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APRs for personal loans range from 5.99% to 35.99%, though rates may be higher for short-term installment products offered through Credit Access Businesses. Your specific APR will depend on your credit score, loan amount, and the lender's policies.

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. Texas borrowers: This site connects you with lenders who may operate as Credit Access Businesses (CABs) under Chapter 393 of the Texas Finance Code. In El Paso, lenders must also comply with City Ordinance Chapter 5.18, which limits payday loan amounts and requires specific disclosures.

9. Limitation of Liability

El Paso Quick Loans 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].