Online Cash Advancers
How it works
Submit your loan request online and if a lender is available you can receive funds as fast as tomorrow!
Easy Loan Request
Fill out our short online form that is secured with 256-bit encryption technology.
Fast Decision
Get a fast decision and if a lender is available, review all terms & rates provided by the lending partner.
Check Your Account
If you accept the loan terms, get funds deposited into your bank account as fast as the next business day.
Online Cash Advancers
A personal loan can help you get out of a short-term financial bind. Thousands of Americans across the country use personal loans to help them pay for emergency expenses like medical expenses, mechanic fees, and bills. Submit your loan request online today.
You may be able to get money in as little as 1 business day
If a lender is available and you accept the loan terms, you can receive the cash for your emergency in as little as 1 business day and resolve your short term cash problems in no time!
Loans up to $50,000 deposited as soon as the next business day
You could receive the loan funds directly deposited into your account as quickly as the next business day.
No waiting in line or going into a physical store
We make it easy to submit your information online, from the comfort of your home desktop, laptop, phone, or tablet computer. In most cases you will not need to go to a store to pick up your cash and waiting in embarrassing lines. We try to make process is easy and private.
Easy online form takes less than 5 minutes to complete
Our online form is already integrated with multiple lending partners, one consumer request is all it takes to submit online; an online decision will be provided within minutes.
256bit encryption of your data
In transmitting your personal data to our lending partner network we ensure your information is encrypted using 256 bit SSL encryption.
Review the loan terms before you agree
Submitting your loan request online, you will have a chance to review the loan terms before accepting the loan. Your online request is not an obligation to accept a loan, merely a request, providing you with flexibility should you change your mind.
How it works
At Online Cash Advancers we work with multiple lending partners to connect you with the short term funding you need to manage your emergency expenses. Online Cash Advancers is not a lender, we connect you with a network of lending partners around the country who can provide you with quick loans regardless of your credit history.
Once you have submitted the information required in our quick and easy form, Online Cash Advancers will attempt to connect you with a lending partner. If you are connected with a lending partner, you will receive an answer almost instantly in less than 5 minutes in most cases, unlike with other traditional banking institutions that may take days. If you are connected with a lending partner, you will be automatically redirected to the lending partner's website where you should review the terms and conditions of your loan. You may also be contacted by your lending provider who will confirm you information and finalize your loan.
If you do not agree with any part of the terms and conditions of your loan, notify the lending partner before finalizing your loan. The lending partner may contact you by phone or email. Be sure to respond in a timely manner in order to gain access to your funding as soon as possible.
Finally, personal loans are meant to be used as a short term solution only, please borrow responsibly.
Rates & Fees
A common question we get is:
how much will I be charged for taking out a personal loan?
The answer is simple and a bit complicated at the same time. Your fee will be based on the APR (Annual Percentage Rate) of your loan.
Representative APR Range
Please note: Online Cash Advancers is not a lender and does not provide loans but refers consumers to lending partners who may provide such loans. Online Cash Advancers is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs vary according to the information supplied by you in your loan request. You will be given the APR, loan fees, and other terms by the lending partner when you are redirected to your loan agreement in the loan request process.
The APR on a short term loan will vary depending on the loan amount, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on.
How does the APR for a single payment small dollar loan compare to other options?
Compare your options for the cost of $100 extension of credit for 14 days:
| Product Type (single repayment) | Charge | APR |
| NSF + Bounced Check | $45.00 | 1,173.21% |
| Overdraft Fee | $30.00 | 782.14% |
| Late Fee | $20.00 | 521.43% |
Implications of Non-Payment and other Considerations
Online Cash Advancers is not a lender and does not charge any fees for its services. Every lending partner in the Online Cash Advancers network provides the consumer with specific terms, conditions, and practices prior to the consumer's acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you.
Implications of Non-Payment, Late Payment, or Partial Payment
When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by the lending partner. Additional fees or charges by the lending partner may apply in the event that you are unable to repay your loan in full or if you make a late payment. Online Cash Advancers cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Online Cash Advancers has no control of knowledge of the loan details between you and the lending partner. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by the lending partner. Online Cash Advancers does make an effort to work only with reputable lending partners dedicated to pursuing collections of past due accounts in a fair and reasonable manner.
Frequently Asked Questions (FAQ)
Are there any fees? Like a deposit fee or insurance fee?
Online Cash Advancers does not charge the consumers any deposit or insurance or any other fees and there is no fee to submit your loan request online. If you've received an email or a phone call from someone asking for a fee to get a loan, please use your judgement, that person is not a representative of Online Cash Advancers. If approved for a loan, the lending partner will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. Online Cash Advancers is not a lender and cannot predict the exact fees and interest of the loan option presented to you. You are under no obligation to accept the terms presented to you by the lending partner, it is an offer, not an obligation.
Where do I go to get answers about my existing loan?
Online Cash Advancers is not a bank, financial institution, or lender. We do not make credit decisions or short term cash loans. Moreover, the owner/operator of this website is not a broker, agent, or representative of any lender. Online Cash Advancers works as a connection to a network of fast cash lenders. If you require details about your loan or have questions/concerns regarding your loan, please contact the lending partner directly. They will be able to assist you.
Do I qualify for a loan?
You can submit a request for a loan if you meet these basic criteria:
- Receive regular scheduled income via employment or benefits such as SSI
- Earn at least $800 a month
- Have a checking account
- Are 18 years of age or older
- A permanent resident of the US
Note that other requirements may apply depending on the fast cash lender. Even customers who have filed bankruptcy, have bounced checks or have other credit issues can be approved for quick cash loans.
What is a Personal Loan and what can I use it for?
People get personal loans to help with home repairs, unexpected expenses, holiday shopping, bills, and more. Such a loan from one of our lending partners can help you get the money you need! Once you fill out our application online, if approved, you can receive cash as fast as next business day.
How fast can I get the money?
While approval for a short-term loan can be fast, usually within minutes, you are not likely to be able to get money until next business day. Think of the process as depositing a check into your bank account, typically, you have to wait at least 1 business day before the check clears and the money is available for you to use from your account. If you are approved for a personal loan by one of the lending partners in our network, you can receive the money for your emergency in as little as 1 business day and resolve your short term cash problem in no time!
How do you protect my privacy and personal information?
In transmitting your application data to our lending partner network we ensure your information is safe and secure. Using SSL encryption your personal data is scrambled in route to our servers, and decrypted once it arrives at Online Cash Advancers.
Do I have to go into a store or wait in line?
Entering your information on Online Cash Advancers is easy and private. From the comfort of your home desktop, laptop, smart phone, or tablet computer you can complete the entire application without going into a store and waiting in embarrassing lines. The process is easy and private.
Can I apply by phone?
If you want to submit your loan request over phone you can call us at: 866-956-2474
About Us
Online Cash Advancers is not a direct lender; we provide a service that aims to quickly connect customers with lenders that offer loans that may work for them. Over the years Online Cash Advancers has built a vast network of lending partners who are able to provide customers with loans between $200 and $50,000. Many customers use short term loans to help with a wide range of emergency expenses. Unlike traditional personal loan stores, Online Cash Advancers provides customers with a way to borrow money online without going into a store or waiting in line.
The online loan process is easy with Online Cash Advancers. Customers visit www.onlinecashadvancers.com, and fill out our application form. The application process is quick, taking less than five minutes to complete from start to finish. Our lending partners do require certain personal information including your social security number, banking information, and so on. To learn how Online Cash Advancers uses your personal information visit our Privacy Policy. Our application forms are safe and secure using 256bit SSL encryption to submit your sensitive information to our servers.
After an application has been submitted, Online Cash Advancers will attempt to connect the applicant with a lending partner almost instantly. If you are approved for a personal loan you can receive the funds to your account in most cases within one business day. Online Cash Advancers is not the lender, but does the work of connecting you with a lending partner.
Online Cash Advancers customers should always borrow responsibly. Online Cash Advancers is not a lender, and cannot answer questions regarding your loan. Please review the terms of your loan before accepting. Review interest rates, and be aware of your due date. Should you have any questions about your loan, please contact the lending partner directly.
If you have any questions regarding our services please visit our Frequently Asked Questions page and if an answer to your question is not located there, please contact us here.
Terms of Use
The service on this website is being presented to you by ONLINELOANNETWORK.COM (referred to in this Agreement as "site," "we," "us" or "our"). Access to and use of this site is provided subject to the following terms of use.AGREEMENT
These Terms of Use (the "Agreement") constitute a legally binding agreement by and between us and you concerning your use of this site and the services available through the site (the "Services"). By using the site and Services, you represent and warrant that you have read and understand, and agree to be bound by, this Agreement and our Privacy Policy (the "Privacy Policy"), which is incorporated herein by reference and made part of this Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT, OR DO NOT AGREE TO BE BOUND BY IT OR THE PRIVACY POLICY, YOU MUST IMMEDIATELY LEAVE THE WEBSITE AND CEASE USING THE SERVICES.NOT A LENDER
We are a lead generator. Certain important disclosures about lead generation are here. Your use of this Website is conditioned upon your having read these disclosures. This site does not constitute an offer or solicitation to lend. We are NOT A LENDER, do not make loan or credit decisions, and do not broker loans. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product.LOAN CONNECTING SERVICE
Our loan connecting service connects consumers with lead purchasers as defined in Certain Disclosures About Lead Generation. To use the service, you must complete one or more online forms that request specific information from you, including, but not limited to, your name, address, telephone number, email address, social security number, banking account information and employment information. By doing so, you are not applying to us for credit.Once you submit your request form(s) online, we will share your information with one or more participating lead purchasers. Lead purchasers who receive your information from us may review your information to determine whether your information meets their loan qualification criteria. Lead purchasers may, among other things, verify your social security number, perform a credit check, and review your information against national databases (such as Teletrack, DP Bureau or DataX) that track consumer transactions with lending institutions and other credit-related data. By submitting the request form(s), you agree to allow lead purchasers to obtain, review, verify and research your information.
If a lead purchaser determines that the information you submitted meets its loan qualification criteria, we will open a new web page belonging to the lead purchaser, or redirect your browser to the lead purchaser's web site. You understand and agree that, once you have been redirected to the lead purchaser's web site, we have no further involvement in the loan request or approval process. Your subsequent interactions with the lead purchaser are subject to the privacy policy, terms of use, and other policies and/or terms enforced by that lead purchaser.
LOAN AMOUNTS
Loan amounts will vary. Not all lenders can provide loan amounts up to $1,000, $2,500, $5,000, or $50,000. Cash transfer times may vary between lenders; and in some circumstances faxing may be required. Completion of this online form in no way guarantees that you will be approved for a loan offer.Additionally, if you are seeking a particular form of credit for which you do not qualify, you may receive solicitations for a form of credit that you are not seeking. The terms of the credit offered may be inferior to those you were originally seeking. You do not have to accept or respond to these solicitations.
CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES ("E-Consent")
Please read this information carefully and print a copy and/or retain this information for future reference.Introduction. You are submitting a request to be connected with third-party lenders. In order to offer you a loan, the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). We also require your E-Consent to enter into this Agreement with you. This form notifies you of your rights when receiving electronic disclosures, notices, and information. By clicking on the link assenting to our terms, you acknowledge that you received this E-Consent and that you consent to conduct transactions, including this Agreement, using electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").
Option for Paper or Non-Electronic Records. You may request any Disclosures in paper copy by contacting the third party lender directly. The lenders will provide paper copies at no charge. The lenders will retain all Disclosures as applicable law requires.
Scope of Consent. This E-Consent applies to all interactions online concerning you and us and/or the third-party lender and includes those interactions engaged in on any mobile device, including phones, smartphones and tablets. By exercising this E-Consent, ae and the third-party lender may process your information and interact with you electronically. We and the lender may also send you notices electronically related to interactions and transactions. Disclosures may be provided online at our or third-party lenders' websites, and Disclosures may be provided by e-mail.
Consenting to Do Business Electronically. Before you decide to do business electronically with us or the third-party lenders, you should consider whether you have the required hardware and software capabilities described below.
Hardware and Software Requirements. To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or MAC compatible computer or other device capable of accessing the Internet, access to an e-mail account, and an Internet Browser software program that supports at least 128 bit encryption, such as Microsoft® Internet Explorer, Mozilla Firefox® or Google Chrome®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X ® or Foxit®. You will need a printer or a long-term storage device, such as your computer's disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements directly to us or the third-party lenders as appropriate.
Withdrawing Consent. Your E-Consent for our lender connection service and for third-party lenders' consideration of your loan request cannot be withdrawn because it is a one-time transaction. If you are connected with one or more third-party lenders, you are free to withdraw your E-Consent with those third-party lenders at any time and at no charge. However, if you withdraw this E-Consent before receiving credit, you may be prevented from obtaining credit from the lender. Contact the third-party lender directly if you wish to withdraw this E-Consent. If you decide to withdraw this E-Consent, the legal effectiveness, validity, and enforceability of prior electronic Disclosures will not be affected.
Changes to Your Contact Information. You should keep third-party lenders informed of any change in your electronic address or mailing address. You may generally update such information by logging into the third party lender's website or by sending the lender a written update by mail.
YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK WE PROVIDE, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
CONSENT. BY CLICKING THE LINK WE PROVIDE, YOU ASSENT TO THE TERMS OF THIS AGREEMENT IN THEIR ENTIRETY. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING, THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR TO CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM US OR THIRD-PARTY LENDERS OVER THE INTERNET.
CHANGES TO AGREEMENT AND PRIVACY POLICY
WE RESERVE THE RIGHT TO CHANGE THIS AGREEMENT AND ITS PRIVACY POLICY AT ANY TIME UPON NOTICE TO YOU, TO BE GIVEN BY THE POSTING OF A NEW VERSION OR A CHANGE NOTICE ON THE WEBSITE. IT IS YOUR RESPONSIBILITY TO REVIEW THIS AGREEMENT AND THE PRIVACY POLICY PERIODICALLY. IF AT ANY TIME YOU FIND EITHER UNACCEPTABLE, YOU MUST IMMEDIATELY LEAVE THE WEBSITE AND CEASE USING THE SERVICES. Unless we obtain your express consent, any revised Privacy Policy will apply only to information collected by us after such time as the revised Privacy Policy takes effect, and not to information collected under any earlier Privacy Policy.ELIGIBILITY
We do not seek to do business with residents of Arkansas, Arizona, Georgia, Virginia, West Virginia, Arizona, Arkansas, Connecticut, District of Columbia, Maryland, New York, New Jersey, North Carolina, Pennsylvania, Massachusetts, Vermont, and Ohio. BY USING THE WEBSITE OR SERVICES, YOU REPRESENT AND WARRANT THAT YOU ARE AT LEAST 18 YEARS OLD, A RESIDENT OF THE UNITED STATES (BUT NOT A RESIDENT OF ARKANSAS, ARIZONA, GEORGIA, OREGON, WEST VIRGINIA OR ANY OTHER STATE WHERE VARIOUS LOAN PRODUCTS ARE PROHIBITED BY LAW), AND ARE OTHERWISE LEGALLY QUALIFIED TO ENTER INTO AND FORM CONTRACTS UNDER APPLICABLE LAW.LICENSE
Subject to your compliance with the terms and conditions of this Agreement, we grant you a non-exclusive, non-sublicensable, revocable, non-transferable license to use the site and Services. THE SITE AND SERVICES ARE FOR YOUR PERSONAL AND NON-COMMERCIAL USE (EXCEPT AS EXPRESSLY SET FORTH HEREIN). The site, or any portion of the site, may not be reproduced, duplicated, copied, modified, sold, resold, or distributed without our express written consent. Except as expressly set forth herein, this Agreement grants you no rights in or to the intellectual property of ours or of any other party. The license granted in this section is conditioned on your compliance with the terms and conditions of this Agreement. In the event that you breach any provision of this Agreement, your rights under this section will immediately terminate.USER INFORMATION
In connection with your use of the Services, you are required to complete a form. You represent and warrant that all user information you provide on the form or otherwise in connection with your use of the site and Services will be current, complete and accurate.RELATIONSHIP AND OBLIGATION OF THE PARTIES
You acknowledge and agree that you and lenders ("Lenders") enter contracts directly with each other to obtain or provide certain short-term loans. We are not a party to any contract between you and Lenders for short-term loans, and we are not involved in contracting between you and Lenders. All rights and obligations for short-term loans are solely between you and Lenders. WE HAVE NO CONTROL OVER AND DO NOT REPRESENT, WARRANT, OR GUARANTEE THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, USEFULNESS, SAFETY OR LEGALITY OF THE REQUESTED OR OFFERED SHORT-TERM LOANS, THE ABILITY OF LENDERS TO DELIVER SHORT-TERM LOANS, YOUR ABILITY TO REPAY SHORT-TERM LOANS, OR THAT YOU OR LENDER WILL ENTER A BORROWER-LENDER RELATIONSHIP. You and Lender must look solely to the other for the enforcement and performance of all of your and their respective rights and obligations for short-term loans, and any other terms, conditions, representations, or warranties associated with such dealings.EMAIL CONSENT
By completing a loan request form through the site, you consent to receive certain administrative email communications from us and our marketing partners and lead purchasers. You also consent to receive periodic online and offline marketing communications from us, our lead purchasers, and our marketing partners. You may opt out of receiving marketing communications at any time by clicking the unsubscribe link and following the opt-out instructions.CONSENT TO RECEIVE SMS AND OTHER COMMUNICATIONS FROM LENDERS AND OTHERS
By registering with the site, you will be offered an opportunity to grant your prior express written consent to receive communications, including by mail, email, SMS and telephone, from Lenders and marketing partners. You agree (and your assent to those terms constitutes your express written consent) to be contacted by Lenders and marketing partners at the telephone number you have provided, to explore personal loan and other offers, including contact through automatic dialing systems, artificial or pre-recorded voice messaging, or single or recurring text messages. The Lenders and marketing partners by whom you consent to be contacted include, without limitation, the nonaffiliate parties listed at this link. Standard message and data rates may apply to text message communications. You may also choose not to receive contact by other Lenders and marketing partners by not granting such consent at the time of your loan request submission. Messages may be delayed or undelivered for various factors. Lenders, carriers and any service providers utilized by Lenders to send messages are not liable for delayed or undelivered messages. With respect to our nonaffiliate marketing partner DollarConnect, you may sign up for an SMS alert to receive a one-time message with a secure link to your loan request form, or you can sign up for SMS offer reminders and receive recurring monthly messages. To opt out of DollarConnect SMS messages at any time, text the word STOP to 89810. For DollarConnect help, text the word HELP to 89810. For additional DollarConnect support, email SMSAlerts@DollarConnect.com, Based on program opt-in, you will receive a one-time text message or recurring monthly messages. This service is available on all supported U.S. carriers.THIRD-PARTY WEBSITES
The site may be linked with the websites of third parties ("Third-Party Websites"). We do not have control over the content and performance of Third-Party Websites. WE HAVE NOT REVIEWED, AND CANNOT REVIEW OR CONTROL, ALL OF THE MATERIAL, GOODS OR SERVICES, MADE AVAILABLE ON OR THROUGH THIRD-PARTY WEBSITES. ACCORDINGLY, WE DO NOT REPRESENT, WARRANT OR ENDORSE ANY THIRD-PARTY WEBSITE, OR THE ACCURACY, CURRENCY, CONTENT, FITNESS, LAWFULNESS OR QUALITY OF THE INFORMATION MATERIAL, GOODS OR SERVICES AVAILABLE THROUGH THIRD-PARTY WEBSITES. WE DISCLAIM, AND YOU AGREE TO ASSUME, ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES OR OTHER HARM, WHETHER TO YOU OR TO THIRD PARTIES, RESULTING FROM YOUR USE OF THIRD-PARTY WEBSITES.PROHIBITED USES
We impose certain restrictions on your use of the site and the Services. you represent and warrant that you will not, without limitation:(a) violate or attempt to violate any security features of the site or Services;
(b) copy or otherwise duplicate, directly or indirectly, any portion of the site, including without limitation, all designs, information, photographs, images, drawings, videos, music, text, typefaces, graphics, products, code, and other files, and the selection, arrangement and organization thereof (collectively, "Content"), except that you may retain a copy of this Agreement, or Privacy Policy and any other Documents;
(c) use any software that enables copying or duplication of Content for later off-line viewing, except that you may retain a copy of this Agreement, or Privacy Policy and any other Documents;
(d) distribute, display, modify, transmit, resell, reuse, or repost Content in any electronic form, including any online service, the Internet or any other telecommunications medium which now exists or shall exist in the future, for any purpose, without our prior written permission;
(e) provide false, misleading or inaccurate information to us or any Lender;
(f) impersonate, or otherwise misrepresent affiliation, connection or association with, any person or entity; (g) harvest or otherwise collect information about our users, including email addresses and phone numbers;
(h) use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars, or intelligent agents) to harvest or otherwise collect information from the site for any use, including without limitation use on third-party websites;
(i) access content or data not intended for you, or log onto a server or account that you are not authorized to access; (j) attempt to probe, scan, or test the vulnerability of the Services, the site, or any associated system or network, or breach security or authentication measures without proper authorization;
(k) interfere or attempt to interfere with the use of the site or Services by any other user, host or network, including, without limitation by means of submitting a virus, overloading, "flooding," "spamming," "mail bombing," or "crashing";
(l) use the site or Services to send unsolicited e-mail, including without limitation, email promotions or advertisements for products or services;
(m) forge any TCP/IP packet header or any part of the header information in any e-mail or in any uploading or posting to, or transmission, display, performance or distribution by means of, the site or Services; or
(n) attempt to modify, reverse-engineer, decompile, disassemble or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code used by this site in providing the site or Services. Any violation of this section may subject you to civil and/or criminal liability.
DISCLAIMERS; LIMITATION OF LIABILITY
(a) NO WARRANTIES.WE HEREBY DISCLAIM ALL WARRANTIES. THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SITE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE OR THE SERVICES WILL MEET YOUR REQUIREMENTS, THAT THE OPERATION OF THE WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.
(b) YOUR RESPONSIBILITY FOR LOSS OR DAMAGE
YOU AGREE THAT YOUR USE OF THE SITE AND SERVICES IS AT YOUR SOLE RISK. YOU WILL NOT HOLD US OR OUR LENDERS, LICENSORS AND SUPPLIERS, AS APPLICABLE, RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT RESULTS FROM YOUR ACCESS TO OR USE OF THE SITE, INCLUDING WITHOUT LIMITATION ANY LOSS OR DAMAGE TO ANY OF YOUR COMPUTERS OR DATA. THE INFORMATION AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS.
(c) LIMITATION OF LIABILITY
OUR LIABILITY IS LIMITED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE BE LIABLE FOR SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, LOST DATA OR CONFIDENTIAL OR OTHER INFORMATION, LOSS OF PRIVACY, COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, FAILURE TO MEET ANY DUTY INCLUDING WITHOUT LIMITATION OF GOOD FAITH OR OF REASONABLE CARE, NEGLIGENCE, OR OTHERWISE, REGARDLESS OF THE FORESEEABILITY OF THOSE DAMAGES OR OF ANY ADVICE OR NOTICE GIVEN TO US ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES. THIS LIMITATION SHALL APPLY REGARDLESS OF WHETHER THE DAMAGES ARISE OUT OF OR SOUND IN BREACH OF CONTRACT, TORT, OR ANY OTHER LEGAL THEORY OR FORM OF ACTION. ADDITIONALLY, OUR MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES WILL BE $50.00. YOU AGREE THAT THIS LIMITATION OF LIABILITY REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. THE SITE AND SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.
(d) LOAN REQUEST FORM
THE ABOVE DISCLAIMERS, WAIVERS AND LIMITATIONS DO NOT IN ANY WAY LIMIT ANY OTHER DISCLAIMER OF WARRANTIES OR ANY OTHER LIMITATION OF LIABILITY IN THIS AGREEMENT OR ANY OTHER AGREEMENT BETWEEN YOU AND US. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES OR THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE DISCLAIMERS, WAIVERS AND LIMITATIONS OF LIABILITY CONTAINED HEREIN MAY NOT APPLY TO YOU. UNLESS LIMITED OR MODIFIED BY APPLICABLE LAW, THE FOREGOING DISCLAIMERS, WAIVERS AND LIMITATIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED, EVEN IF ANY REMEDY FAILS ITS ESSENTIAL PURPOSE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU THROUGH THE SITE OR OTHERWISE SHALL ALTER ANY OF THE DISCLAIMERS OR LIMITATIONS STATED IN THIS SECTION.
INDEMNITY BY YOU
Without limiting any indemnification provision of this Agreement, you agree to defend, indemnify us and hold us harmless (and our officers, directors, employees, agents, affiliates, representatives, sub-licensees, successors and assigns [collectively, the "Indemnified Parties"]) from and against any and all claims, actions, demands, causes of action and other proceedings (collectively, "Claims"), including but not limited to legal costs and attorneys' fees, arising out of or relating to: (i) your breach of this Agreement, including without limitation any representation or warranty contained in this Agreement; (ii) your access to or use of the Website or Services in breach of this Agreement; (iii) your provision to us or any of the Indemnified Parties of information or other data, except as contemplated hereby; or (iv) your violation or alleged violation of any foreign or domestic, federal, state or local law or regulation; or (v) your violation or alleged violation of any third party's copyrights, trademarks, or other intellectual property or proprietary rights. The Indemnified Parties will have the right, but not the obligation, to participate through counsel of their choice in any defense by you of any Claim as to which you are required to defend, indemnify or hold harmless the Indemnified Parties. You may not settle any Claim without the prior written consent of the concerned Indemnified Parties.GOVERNING LAW; JURISDICTION AND VENUE
The site, Services, and this Agreement, including without limitation this Agreement's interpretation, shall be treated as though this Agreement were executed and performed in Las Vegas, Nevada and shall be governed by and construed in accordance with the substansive laws of the State of Nevada without regard to its conflict of law principles. ANY CAUSE OF ACTION OR CLAIM BY YOU ARISING OUT OF OR RELATING TO THE SITE, SERVICES OR THIS AGREEMENT MUST BE INSTITUTED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER WAIVED AND BARRED. ALL ACTIONS SHALL BE SUBJECT TO THE LIMITATIONS SET FORTH IN ABOVE. The language in this Agreement shall be interpreted in accordance with its fair meaning and not strictly for or against either party.You and we agree that any dispute, of any nature whatsoever, between you and us (including any claim against any of the Indemnified Parties) arising out of or relating to the site, Services, or this Agreement, and including any statutory claims (such as under the Truth in Lending Act or the Telephone Consumer Protection Act), shall be decided by arbitration in accordance with the Commercial Rules then obtaining of the American Arbitration Association (AAA) in Las Vegas, Nevada (unless you and we mutually agree to a different forum or arbitrator). A final judgment or award by the arbitrator may then be duly entered and recorded by the prevailing party in the appropriate court as final judgment. The arbitrator may award costs (including, without limitation, AAA administrative fees, arbitrator compensation and reasonable attorneys' fees) to the prevailing party. All disputes, including any representative claims, against us and/or our related third parties shall be resolved by binding arbitration only on an individual basis with you. THEREFORE, THE ARBITRATOR SHALL NOT CONDUCT CLASS ARBITRATION; THAT IS, THE ARBITRATOR SHALL NOT ALLOW YOU TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL OR IN ANY OTHER REPRESENTATIVE CAPACITY FOR OTHERS IN THE ARBITRATION. THE ARBITRATOR SHALL HAVE NO AUTHORITY TO: (a) CONDUCT ANY ARBITRATION WHICH IS PRECLUDED BY THE PRECEDING SENTENCE or (b) CONSOLIDATE THE CLAIMS OF MORE THAN ONE CLAIMANT WITHOUT THE CONSENT OF ALL PARTIES.
NOTICES
All notices required or permitted to be given under this Agreement must be in writing. We shall give any notice to you by email sent to your most recent email address, if any, provided to us. You agree that any notice received from us electronically satisfies any legal requirement that such notice be in writing. YOU BEAR THE SOLE RESPONSIBILITY OF ENSURING THAT YOUR EMAIL ADDRESS ON FILE WITH US IS ACCURATE AND CURRENT, AND NOTICE TO YOU SHALL BE DEEMED EFFECTIVE UPON THE SENDING BY US OF AN EMAIL TO THAT ADDRESS. You shall give any notice to us by means of email to: support@onlineloannetwork.com. Notice to us shall be effective upon receipt.GENERAL
This Agreement (together with any language accompanying an "I agree" button or other means of assent to this Agreement) constitutes the entire agreement between you and us concerning your use of the site and Services. This Agreement may only be modified by a written amendment signed by our authorized executive or by the unilateral amendment of this Agreement by us and by the posting by us of such amended version. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties' original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. This Agreement and all of your rights and obligations hereunder will not be assignable or transferable by you without our prior written consent. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns. You and we are independent contractors, and no agency, partnership, joint venture or employee-employer relationship is intended or created by this Agreement. Except as and to the extent set forth herein, there are no third-party beneficiaries to this Agreement. The headings in this Agreement are for the purpose of convenience only and shall not limit, enlarge, or affect any of the covenants, terms, conditions or provisions of this Agreement.Privacy Policy
| FACTS | WHAT DOES ONLINELOANNETWORK.COM DO WITH YOUR PERSONAL INFORMATION? |
|---|---|
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer a customer, we continue to share your information as described in this notice. |
| How? | All financial companies need to share consumer' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their consumers' personal information; the reasons onlineloannetwork.com chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does onlineloannetwork.com share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | N/A |
| For our affiliates' everyday business purposes - information about your transactions and experiences | No | N/A |
| For our affiliates' everyday business purposes - information about your creditworthiness | No | N/A |
| For nonaffiliates to market to you | Yes | No |
| Questions? | Call (855) 204-5266 or go to https://www.onlinecashadvancers.com/customerservice.php |
| Who We Are | |
|---|---|
| Who is providing this notice? | ONLINELOANNETWORK.COM |
| What We Do | |
|---|---|
| How does onlineloannetwork.com protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Although our web site is encrypted to protect your electronic relationship with us, our site contains links to other web sites, and we are not responsible for their privacy policies. |
| How does onlineloannetwork.com collect my personal information? | We collect your personal information, for example, when you
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| Why can't I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and non-financial companies.
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| Nonaffiliates | Companies not related by common ownership or control. They can be financial and non-financial companies.
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| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
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| Other Important Information | |
|---|---|
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The essence of our business is transmitting your information to, and sharing that information with, nonaffiliate lenders and marketing partners. By using our service, you consent to such sharing and to the receipt of marketing offers. You cannot opt out of such sharing and still use our service. If you do not consent to such sharing, you must discontinue your loan request. Once you have submitted and received a decision on your initial loan request, we may use and share (and permit nonaffiliated third parties to use and share) your information to market other credit and non-credit products and services to you, unless prohibited by law or by an agreement between us and your lender. You can choose not to permit use and sharing of your information by not agreeing to our Terms of Use. If you do not agree to our Terms of Use, in general, we cannot serve you. Our Terms of Use explain the circumstances under which we and our "marketing partners" (which are nonaffiliates) may, with your prior express written consent, communicate with you by phone and text using automatic telephone dialing systems.
If you are a California resident, you have important rights under the California Consumer Privacy Act, which are described in our Privacy Notice for California Residents. Please read it carefully. |
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PRIVACY NOTICE FOR CALIFORNIA RESIDENTS
This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Policy of ONLINELOANNETWORK.COM and its affiliates (collectively, "we," "us," or "our") and applies solely to visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 ("CCPA") and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.
Information We Collect
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information"). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
| Category | Examples | Collected |
| A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | YES |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES |
| D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | NO |
| E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO |
| F. Internet or other similar network activity. | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | NO |
| G. Geolocation data. | Physical location or movements. | NO |
| H. Sensory data. | Audio, electronic, visual, thermal, olfactory, or similar information. | NO |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. | YES |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | NO |
| K. Inferences drawn from other personal information. | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO |
Personal information does not include:
- Publicly available information from government records.
- De-identified or aggregated consumer information.
-
Information excluded from the CCPA's scope, like:
- health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
- personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.
We obtain the categories of personal information listed above from the following categories of sources:
- Directly and indirectly from activity on our websites and those of our contractors. For example, from submissions through our website portal or website usage details collected automatically.
Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following business purposes:
- To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information because you are seeking a loan, we will use that information to interest lenders in making an extension of credit to you.
- To provide you with information, products or services that you request from us.
- To provide you with email alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including our Terms of Use.
- To improve our website and present its contents to you.
- For testing, research, analysis and product development.
- As necessary or appropriate to protect our rights, property or safety.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal information or as otherwise set forth in the CCPA.
- To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
Sharing Personal Information
We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
| Category A: | Identifiers. |
| Category B: | California Customer Records personal information categories. |
| Category C: | Protected classification characteristics under California or federal law. |
| Category I: | Professional or employment-related information. |
We disclose your personal information for a business purpose to the following categories of third parties:
- Our affiliates.
- Service providers.
- Third parties, including lenders, to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.
In the preceding twelve (12) months, we have not sold any personal information except to the extent we may be deemed to have "sold" such information in connection with our principal business of lead generation, which is described in other disclosures at this web site.
Your Rights and Choices
The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information and Data Portability Rights
You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business or commercial purpose for collecting or selling that personal information.
- The categories of third parties with whom we share that personal information.
- The specific pieces of personal information we collected about you (also called a data portability request).
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If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
- sales, identifying the personal information categories that each category of recipient purchased; and
- disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
Deletion Request Rights
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service providers to:
- Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
- Debug products to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
- Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
- Comply with a legal obligation.
- Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
- Calling us at:
- Visiting: https://www.onlinecashadvancers.com/california/contact.php
Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Changes to Our Privacy Notice
We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.
Contact Information
If you have any questions or comments about this notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Phone:
Website: https://www.onlinecashadvancers.com/california/contact.php
Email:
Postal Address: Online Loan Network 848 N. Rainbow Blvd #129, Las Vegas NV 89107
Scam Advisory
Scam Alert #1: Buy insurance to get a loan:
Did you receive a call asking you to buy "insurance" in order to get a loan? It is a scam.
We do NOT call consumers asking for any sort of "insurance".
We do NOT make outbound calls to consumers, period.
We do NOT issue loans but instead will attempt to connect you with a lender who could issue you a loan. This connection service is FREE to consumers.
We do NOT charge consumers any fees.
Anyone calling you on the phone who says otherwise, are not employees or agents of Online Cash Advancers, please don't send them money.
Scam Alert #2: SMS messages about pre-approval:
Did you receive a text message or SMS telling you that you've been pre-approved? Please report it to us!
We do NOT send out SMS or text messages to consumers.
We attempt to connect consumers with a lender who could issue you a loan. Because we are not lenders ourselves, we are unable to pre-approve anyone.
Anyone sending you SMS or text does so without our permission and against our terms & conditions.
Please send us the exact text message that you received via our Contact Us form so that we can identify the marketing company and take appropriate measures.
Scam Alert #3: Phantom Debt Collection Alert:
Please be advised, there are fake debt collection rings operating from India who are attempting to collect phantom debts from consumers.
Online Cash Advancers does not make loans to consumers, instead we attempt to connect consumers with lenders who may offer them a loan.
You will have no debts with us.
One such scam case was stopped by FTC, you can read about it here: http://ftc.gov/opa/2012/02/acc.shtm
If you have feel like you have been a victim of fraud conducted by a lender, contact your local authorities right away. You can also report the fraud here:
http://www.fbi.gov/scams-safety/e-scams
http://www.ic3.gov/media/2010/101201.aspx
Whenever you get a call attempting to collect on a debt, please know that you have rights. Do not disclose any information to the caller and ask for as many details as you can. You can read about your rights in regards to debt collection here: http://www.consumer.ftc.gov/articles/0149-debt-collection
Contact Us
Lead Generation
CERTAIN DISCLOSURES REGARDING LEAD GENERATION
These disclosures are made to you by ONLINELOANNETWORK.COM ("we" or "us"). Although you are applying for a loan through a website maintained by us (or a website maintained by a third-party lead seller), we are not a lender. The following disclosures describe how we operate and will process your loan request.
1. We have a network of lead generators from which we buy leads and a separate network of purchasers to whom we sell leads. Lead generators do not know the identities of the lead purchasers in our network or details about the terms of the credit products offered to consumers, and the lead purchasers do not know the identities of the lead generators or the methods they use to attract consumers.
2. Lead generators operate websites that advertise loans and through which consumers submit loan applications. Lead generators sell the applications to us, and we sell the applications to lead purchasers. The purchasers are online and offline loan lenders, as well as, in certain instances, data managers, data brokers, and remarketing companies. (Data managers are intermediaries for lenders that outsource their lead-purchasing activities, and data brokers are lead aggregators that have their own networks of lead purchasers to which they sell leads after they purchase them from us.) We do not know the end purchasers of the leads we sell to data managers or data brokers. Remarketing companies buy consumer information to send marketing materials to consumers for products other than the loans for which the consumers applied.
3. To filter leads to lead purchasers, we use a "ping tree," which sets the order in which lead purchasers have the option to purchase a given lead from us. The position of each purchaser in the ping tree is determined primarily by the price the purchaser is willing to pay for a lead; the higher the price, the better the purchaser's position in the ping tree.
4. A consumer who submits a loan application on a lead generator's webpage is nearly immediately redirected from that page to a lender's webpage. This automated process takes just seconds, and the consumer is not informed that the loan application has been sold to us or sold by us to a lead purchaser.
5. Before we "on-board" a prospective lead generator into our network, the company performs an introductory review of the lead generator's website to check for misleading or inaccurate statements to consumers. After we "on-board" a lead generator, we have an automated tool called "web crawler" in place to monitor lead generator websites daily or weekly for misleading or inaccurate statements. But no technology is perfect, and lead generators can change their websites without any notice to us.
6. Despite our initial investigations and ongoing automated monitoring, we may purchase leads from lead generators whose websites include misrepresentations that are likely to mislead consumers into believing that lenders in our network have been evaluated and meet certain standards. Some lead generators have incorrectly represented that they themselves were lenders. Lead generators sometimes also falsely suggest that they help consumers find the best rates or lowest fees or that they review consumers' applications to match them with appropriate lenders.
7. Our lead generators typically do not provide loans directly to consumers, do not select the lenders that will see a consumer's application, and have no involvement in or knowledge of the terms of the loan a consumer receives after we sell the lead. Lead generators do nothing more than forward applications to us.
8. We do not know the loan terms that consumers will be offered by lead purchasers, and we make no attempt to match consumers with the best loan for their needs, as consumers may be led to believe by lead generators. Once we sell the lead, we do not know whether a loan is actually made, or whether the consumer accepts or rejects the lender's terms.
9. We do not require data managers or data brokers to disclose the ultimate purchasers of our leads. We therefore do not know the identity of all lenders that obtain consumer applications through our lead-purchaser network.
10. We perform only limited initial screening of the lead purchasers in our network for compliance with applicable laws. We do not perform any ongoing compliance monitoring.
11. Lead purchasers provide regular feedback to us regarding the quality of our leads, including the number of leads that convert to loans and reasons why leads did not convert. We use this information to refine our lead processing to optimize lead conversion.
12. Some of our lenders are entities organized by Indian tribes, known as tribal lenders, or organized under the laws of foreign jurisdictions, known as offshore lenders. These lenders typically claim immunity from state regulation, do not comply with the laws of the states where the consumers to whom they make loans are located, and do not concede that they are subject to jurisdiction in a forum convenient to the consumer.
13. Tribal lenders and offshore lenders typically charge higher interest rates than lenders adhering to state laws. Because they charge higher interest rates, these lenders generally are willing to pay more for leads and thus rank at the top of our ping tree.
14. Many of the tribal lenders among our purchasers offer contracts providing for the application of tribal law to the contract and providing an exclusive tribal dispute-resolution process.
15. If you are seeking a particular form of credit for which you do not qualify, you may receive solicitations for a form of credit that you are not seeking. The terms of the credit offered may be inferior to those you were originally seeking. You do not have to accept or respond to these solicitations.
16. We may sell your email address to third parties who will use your address to solicit you for goods and services for which you have not applied or which you have not otherwise sought. You do not have to accept or reply to these solicitations.
17. Parties to whom we sell leads, including data mananagers and brokers, regularly combine the information provided by you with information available about you from other sources, such as public records and credit bureaus, for the purpose of offering you goods and services. Some of these goods and services may be other than those for which you have applied. You do not have to accept or reply to these offers.