About these terms
This website, instacashapply.com, is operated by Instacash ("Instacash", "we", "us"). These terms apply when you visit the site, use its calculators and guides, or start an application.
They are separate from any loan agreement. If you take a loan, the loan agreement you sign sets the terms of that loan and takes priority over anything on this site.
Who can use the site
You must be at least 18 years old and live in the United States to apply through this site. Loans are not available in all states.
Not an offer to lend
The information on this site is general. It is not an offer or commitment to lend. All loans are subject to credit review and approval.
Rates, amounts, and terms shown are ranges or examples. The terms that apply to you are the ones in your own offer and loan agreement.
Rates, examples, and calculators
Our calculators and worked examples are estimates for illustration. They leave out any origination fee unless they say otherwise, and they do not predict the rate you will be offered.
Personal loan APRs range from 5.99% to 35.99%. Your actual APR, loan amount, and term depend on your credit history, income, and state of residence.
Your application information
When you apply, you agree to give accurate and complete information. You authorize us to verify it and to obtain information about you from consumer reporting agencies.
Checking your rate uses a soft credit inquiry, which does not affect your credit score. A hard inquiry may be made if you accept a loan offer.
Electronic communications
By using this site and applying, you agree that we may send you notices and documents electronically. Your formal consent to electronic records is collected during the application.
If you give us a mobile number, we may send text messages about your application or loan. Message and data rates may apply. You can opt out of non-essential texts by replying STOP.
Guides and outside links
Articles and guides on this site are for general education. They are not financial, legal, or tax advice, and they may not fit your situation.
We sometimes link to other websites. We do not control them and are not responsible for their content.
Acceptable use
You agree not to use the site for anything unlawful, to submit false information, to interfere with how the site works, or to copy its content by automated means without our permission.
Our content
The text, design, graphics, and software on this site belong to us or our licensors and are protected by law. You may view and print pages for your own personal use.
No warranties
The site is provided "as is" and "as available". To the extent the law allows, we make no warranties about its accuracy, availability, or fitness for a particular purpose.
Limits on our liability
To the extent the law allows, we are not liable for indirect or consequential losses arising from your use of this website. Nothing in these terms limits any rights you have under your loan agreement or under consumer protection law that cannot be waived.
Governing law
These terms are governed by applicable U.S. federal and state law. Your loan agreement states the law that governs your loan.
Changes to these terms
We may update these terms. The date at the top of this page shows when they last changed. Changes apply from the date they are posted.
Contact us
Questions about these terms can be sent to [email protected], or see our contact page.