Terms of Service

1. Introduction

Welcome to paydayloansshreveport.com (the “Site,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the Site and our online loan request connecting service (the “Service”). By using the Site or submitting information through the Service, you agree to these Terms. If you do not agree, please do not use the Site or Service.

These Terms include important disclaimers, limitations of liability, and an arbitration agreement with a class action waiver. Please review them carefully.

2. Changes to These Terms

We may update these Terms at any time by posting a revised version on the Site. Your continued use of the Site or Service after changes are posted means you accept the updated Terms.

3. Eligibility

The Service is intended only for U.S. residents who are at least 18 years old and have the legal capacity to enter into these Terms. You agree to use the Service only for personal, non-commercial purposes and only on your own behalf.

Our Service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability also varies by lender and by state.

4. Our Service

paydayloansshreveport.com is not a lender and does not make credit decisions. We provide an online connecting service that allows consumers to submit a loan request and access lenders, lending partners, lender networks, service providers, or marketing partners that may review the information submitted.

We do not charge users a fee to submit a loan request through the Site. We may receive compensation from lenders, lending partners, service providers, or marketing partners when we connect users with them, share information as described in our policies, or display related offers. This compensation may affect which lenders, lending partners, services, or advertisements may be presented.

5. Loan Request Process

To use the Service, you may be asked to provide personal, contact, employment, banking, and financial information through a request form. You agree that all information you provide will be accurate, complete, and submitted by you on your own behalf.

After you submit a loan request, one or more lenders or lending partners may review your information and decide whether to respond. A lender may verify your information, request additional information, or perform a credit check. Approval is not guaranteed.

If a lender or lending partner is interested in your request, we may redirect you to that party’s website or otherwise connect you with that party. Once you leave the Site, your relationship is with that third party, and its own terms, privacy policy, rates, fees, disclosures, and practices will apply.

6. Important Loan Disclosures

We are not a lender, creditor, broker, financial institution, or loan servicer. We do not offer loans, approve or deny loan requests, set loan amounts, set rates or fees, determine repayment terms, fund loans, or collect payments. Any loan offer is made by a lender or lending partner, not by us.

Loan amounts may range from $200 to $5,000, depending on the lender, state availability, and the borrower’s circumstances. Not all lenders offer the maximum amount. Rates, fees, repayment terms, approval, and funding times vary by lender and by state.

Short-term loans can be expensive and should be used responsibly. Before accepting any loan offer, review the lender’s full terms, including the annual percentage rate, finance charges, repayment schedule, late-payment consequences, renewal policy, and potential credit score impact. Late or non-payment may result in additional fees, collection activity, and negative credit reporting.

7. Credit Checks and Verification

Some lenders or lending partners may obtain, review, or verify information about you, which may include credit-related information, to determine whether to respond to your loan request. Requirements vary by lender. Faxing or additional documentation may be required by some lenders.

By submitting a loan request, you authorize lenders, lending partners, service providers, and other parties described in our policies and disclosures to use your information as permitted by applicable law and by the consents you provide on the Site.

8. E-Consent and Related Policies

By using the Site and submitting information electronically, you consent to receive communications, disclosures, notices, records, and agreements electronically, subject to applicable E-Consent terms.

By submitting your information, you confirm that you have read, understood, and agree to the Privacy Policy, Terms of Use, E-Consent, Responsible Lending, and Marketing Practices.

9. Communications and Marketing

By submitting information through the Site, you may establish a business relationship with us and with third parties that receive your information as described in our policies. You may receive communications related to your request, including by email, phone, text message, or other methods, subject to the consents you provide.

You may opt out of marketing communications by following the unsubscribe or opt-out instructions provided in those communications. Opting out of marketing communications does not affect communications related to a transaction or service request where permitted by law.

10. Prohibited Uses

You agree not to use the Site or Service to provide false or misleading information, submit information for another person without authorization, use the Site for unlawful or commercial purposes, interfere with Site security, use automated tools to collect Site content, copy or misuse Site materials, or transmit spam, viruses, harmful code, or unauthorized communications.

We may restrict or terminate access to the Site or Service if we believe these Terms have been violated.

11. Third-Party Websites and Services

The Site may link or redirect you to third-party websites, including lender or service provider websites. We do not control, endorse, or take responsibility for third-party websites, offers, products, services, disclosures, or business practices. You are responsible for reviewing all third-party terms, privacy policies, rates, fees, and conditions before accepting any offer or providing additional information.

12. Intellectual Property

All content on the Site, including text, graphics, logos, design elements, and software, is owned by us or our licensors and is protected by applicable intellectual property laws. You may use the Site only for its intended purpose. No ownership rights are transferred to you by your use of the Site.

13. Disclaimer of Warranties

The Site and Service are provided on an “as is” and “as available” basis. We do not guarantee that the Site or Service will be uninterrupted, error-free, secure, or that any lender or lending partner will respond to or approve your loan request.

We disclaim all warranties to the fullest extent permitted by law, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Some jurisdictions do not allow certain exclusions, so some limitations may not apply to you.

14. Limitation of Liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, punitive, or similar damages arising from your use of the Site or Service, your inability to use the Site or Service, or your interactions with any lender, lending partner, service provider, or other third party.

We are not responsible for any lender’s approval decision, loan terms, rates, fees, repayment obligations, funding timing, collection activity, credit reporting, or any action or inaction by a third party.

15. Indemnification

You agree to defend, indemnify, and hold us harmless from claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising from your use of the Site or Service, your violation of these Terms, your submission of inaccurate information, or your violation of any law or third-party right.

16. Arbitration and Class Action Waiver

To the fullest extent permitted by law, you and paydayloansshreveport.com agree that any dispute, claim, or controversy arising out of or relating to the Site, Service, these Terms, or communications between you and us will be resolved through binding arbitration on an individual basis, rather than in court.

You agree not to bring or participate in any class, collective, consolidated, private attorney general, or representative action against us. You and we each waive the right to a jury trial to the fullest extent permitted by law. This arbitration agreement does not prevent you from bringing an eligible claim in small claims court.

17. Governing Law

These Terms will be governed by applicable law, without regard to conflict of law principles. Any dispute not subject to arbitration will be handled in a court of competent jurisdiction, unless applicable law requires otherwise.

18. Miscellaneous

These Terms, together with applicable policies, consents, and disclosures provided on the Site, form the agreement between you and us regarding your use of the Site and Service. If any part of these Terms is found unenforceable, the remaining provisions will continue in effect. Our failure to enforce any provision does not waive our right to enforce it later.

19. Contact

If you have questions about these Terms, please contact us using the contact information provided on the Site.