InstantLoanNetwork.com works with both long and short term lenders. Short Term Loans provide the cash needed to meet an immediate short-term cash flow problem and are not a solution for long term financial problems for which long term financing may be more appropriate. This service does not constitute an offer or solicitation for short term loans in every state. This service may or may not be available in your particular state. The states in which this service is available may change from time to time without notice. InstantLoanNetwork.com is not a lender and is not responsible for approving or declining your loan request. InstantLoanNetwork.com is a matching service that pairs applicants looking for both short and long term loans with one or more contracted lenders who will approve (or decline) the loan and amount at their own discretion, and may perform a credit check or otherwise verify your personal information. If offered, InstantLoanNetwork.com cannot guarantee up front you will be placed and or approved for a short or long term loan. The consumer is responsible for reading and accepting the terms and conditions in any offer extended.
This policy covers how we treat personal information that the website collects and receives, including information related to your past use of our products and services. Personal information is information about you that is personally identifiable like your name, address, email address, IP address, or phone number, and that is not otherwise publicly available. This policy does not apply to the practices of companies that we does not own or control, or to people that we do not employ or manage.
Information Collection and Use
The website collects personal information when you apply with us. We may combine information about you that we have with information we obtain from business partners or other companies. We ask for information such as your name, address, phone number, email address and zip code. Once you submit your information, you are not anonymous to us. We collect information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.
The website automatically receives and records information on our server logs from your browser, including your IP address, cookie information, and the page you request. We use information for the following general purposes: to fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.
We reserve the right to send you certain communications relating to our services, such as service announcements, administrative messages, special offers and an website Newsletter.
Confidentiality and Security
We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs. We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
We may set and access cookies on your computer. We use this information for Web Site and Systems Administration.
Cookies are alphanumeric identifiers that we transfer to your computer’s hard drive through your Web browser to enable our systems to recognize your browser and to provide features and storage of items in your Shopping Cart between visits.
Information Sharing and Disclosure
Information You Give Us
We receive and store any information you enter on our Web site or give us in any other way. You can choose not to provide certain information, but then you might not be able to take advantage of many of our features. We use the information that you provide for such purposes as responding to your requests, customizing future experiences for you, improving our online storefronts, and communicating with you.
We Do Not Collect Data From Children
The information and services provided by us or by our affiliates, sponsors, and advertisers, are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly collected or used for any purpose whatsoever, including marketing and promotional purposes by InstantLoanNetwork.com.
No Sensitive Health Information Is Collected
InstantLoanNetwork.com does not collect information about past, present or potential future medical conditions or treatments.
We receive and store certain types of information whenever you interact with us. For example, like many Web sites, we use “cookies,” and we obtain certain types of information when your Web browser accesses this site.
Network Of Lenders and Lead Buyers
We share your personally identifiable information, including all information on your registration, with participating lenders in our network and other third party lead buyers with whom we have a business relationship. We also share your personally identifiable information with vendors who assist us in verifying your identity.
We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes.
We may share personal information about you with trusted partners who work on behalf of or with InstantLoanNetwork.com. These companies may use your personal information to help us communicate with you about offers from the website and our marketing partners. You may receive certain communications relating to our services, such as service announcements, administrative messages, special offers and a Newsletter.
We may provide personal contact information about you with our trusted partners who work on behalf of or with InstantLoanNetwork.com. These companies may use your personal information to help us communicate with you about offers from us and our marketing partners.
We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims
To opt-out from receiving any additional email communications regarding this website, click here to Unsubscribe.
Use of Data Collected
We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do not call registry, in-house list or similar registry.
By accepting the terms and conditions of this Site and providing your cell phone number, you are expressly consenting to receive SMS, wireless or other mobile offering to your cell phone from us and other organizations. You understand that your wireless carrier’s standard charges and rates apply to these messages. For SMS text messages, you may remove your information by replying “STOP”, “END”, or “QUIT” to the SMS text message you have received and we will remove your personal information within 10 days of receiving such request.
InstantLoanNetwork.com may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email you entered or by placing a prominent notice on our site.
1735 Buford Highway,
Cumming, Georgia 30101
The services on this web site act as your search engine and advertising for financial service companies and providers of information. InstantLoanNetwork.com uses reasonable efforts to ensure the availability of the information and content, including links, which it makes available through the services. However, the services are composed of content not offered by InstantLoanNetwork.com. InstantLoanNetwork.com does not control the quality, safety or legality of items available through its advertisers’ web sites or sites of third parties, the truth or accuracy or legality of the content from those advertisers or those third parties (even if such content appears on the services), or the availability or technical capabilities of their Web sites or links to those Web sites. InstantLoanNetwork.com is not liable or responsible for content supplied by third parties, or for actions you might take in reliance on that content. Nothing contained in any of the services is an offer or promise to sell a specific product for a specific price or that any advertiser will sell any product or service for any purpose or price or on any specific terms. InstantLoanNetwork.com does not guarantee the price, terms, product, availability and/or services offered by any advertiser. For all of the services, InstantLoanNetwork.com is not involved in any transactions between you and any of its advertisers, and is not responsible for, and does not guarantee the price or performance of any goods, services or information provided by advertisers and/or services.
Disclaimer of Warranties
The services are provided “as is,” without warranty of any kind. InstantLoanNetwork.com disclaims any warranties, express or implied, including any warranties of title, non-infringement, merchantability or fitness for a particular purpose. InstantLoanNetwork.com’s Potential Liability for the services is limited. Neither InstantLoanNetwork.com nor any of its officers, directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers or service providers will be liable to you for any indirect, incidental, special or consequential damages arising out of use of the services, or inability to gain access to or use the services. InstantLoanNetwork.com will not be liable for any material of web sites it links to as part of the services or for information contained in or part of the services. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such states, the respective liability of InstantLoanNetwork.com, its employees, agents, successors, assigns, affiliates, and content or service providers is limited to the greatest extent permitted by such state law.
Privacy and Data Collection
Control over Features, Functions, and Access to the Services
InstantLoanNetwork.com reserves the right to change any information, features and functions of the services without prior notice. InstantLoanNetwork.com may deny you access to all or part of the services without prior notice if you engage in any conduct or activities that InstantLoanNetwork.com determines, in its sole discretion, violate this Agreement, the rights of InstantLoanNetwork.com or any third party, or is otherwise inappropriate.
Choice of Law, Waiver, and Claims
This Agreement shall be governed by the laws of the State of Georgia without regard to its conflict of law provisions. InstantLoanNetwork.com failure to exercise or enforce any right or provision of the Agreement will not be deemed to be a waiver of such right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of this Agreement remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the services must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Any controversy or claim arising out of or relating to this Agreement or the services will be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim must be arbitrated on an individual basis, and must not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration must be conducted in Georgia and judgment on the arbitration award may be entered into any court having jurisdiction thereof. Either you or InstantLoanNetwork.com may seek any interim or preliminary relief from a court of competent jurisdiction in Georgia, as necessary to protect the rights or property of you or InstantLoanNetwork.com.
You may direct any questions concerning this Agreement to: InstantLoanNetwork.com 1735 Buford Hwy, Suite 215-225, Cumming GA 30041.
InstantLoanNetwork.com may amend this Agreement at any time by posting the amended terms on its Web site. All amended terms are automatically effective immediately, upon posting.
Users agree to allow a search of the Teletrack database. The Teletrack database is a national database of consumers and contains information about transactions with lending institutions.
Notices and Disclosures
NOTICE: We adhere to the Patriot Act and we are required by law to adopt procedures to request and retain in our records information necessary to verify your identity.
NOTICE: A short term loan provides the cash needed to meet an immediate short-term cash flow problem. It is not a solution for longer term financial problems for which longer term financing may be more appropriate. You may want to discuss your financial situation with a nonprofit financial counseling service in your community. You will be charged additional fees if you renew the loan.
Arbitration of All Disputes
You and we agree that any and all claims, disputes or controversies between you and us, any claim by either of us against the other (or the employees, officers, directors, agents, servicers or assigns of the other) and any claim arising from or relating to your application for this loan, regarding this loan or any other loan you previously or may later obtain from us, this Note, this agreement to arbitrate all disputes, your agreement not to bring, join or participate in class actions, regarding collection of the loan, alleging fraud or misrepresentation, whether under common law or pursuant to federal, state or local statute, regulation or ordinance, including disputes regarding the matters subject to arbitration, or otherwise, shall be resolved by binding individual (and not joint) arbitration by and under the Code of Procedure of the National Arbitration Forum (“NAF”) in effect at the time the claim is filed. This agreement to arbitrate all disputes shall apply no matter by whom or against whom the claim is filed. Rules and forms of the NAF may be obtained and all claims shall be filed at any NAF office, on the World Wide Web at www.arb-forum.com, by telephone at 800-474-2371, or at “National Arbitration Forum, P.O. Box 0191 , Minneapolis , Minnesota 55405 .” Your arbitration fees will be waived by the NAF in the event you cannot afford to pay them. The cost of a participatory hearing, if one is held at your or our request, will be paid for solely by us and will take place at a location near your residence. This arbitration agreement is made pursuant to a transaction involving interstate commerce. It shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1-16. Judgment upon the award may be entered by any party in any court having jurisdiction.
NOTICE: YOU AND WE WOULD HAVE HAD A RIGHT OR OPPORTUNITY TO LITIGATE DISPUTES THROUGH A COURT AND HAVE A JUDGE OR JURY DECIDE THE DISPUTES BUT HAVE AGREED INSTEAD TO RESOLVE DISPUTES THROUGH BINDING ARBITRATION.
Agreement Not To Bring, Join Or Participate In Class Actions
To the extent permitted by law, you agree that you will not bring, join or participate in any class action as to any claim, dispute or controversy you may have against us, our employees, officers, directors, servicers and assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney’s fees and court costs we incur in seeking such relief. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring, join, or participate in class actions is an independent agreement and shall survive the closing and repayment of the loan for which you are applying. By submitting this Application you certify that all of the information provided above is true, complete and correct and provided to us for the purpose of inducing us to make the loan for which you are applying. You also agree to the Agreement to Arbitrate All Disputes and the Agreement Not To Bring, Join Or Participate in Class Actions. You authorize us to verify all information that you have provided and acknowledge that this information may be used to verify certain past and/or current credit or payment history information from third party source(s). We may utilize Check Loan Verification or other similar consumer-reporting agency for these purposes. We may disclose all or some of the nonpublic personal information about you that we collect to financial service providers that perform services on our behalf, such as the servicer of your short term loan, and to financial institutions with which we have joint marketing arrangements. Such disclosures are made as necessary to effect, administer and enforce the loan you request or authorize and any loan you may request or authorize with other financial institutions with regard to the processing, funding, servicing, repayment and collection of your loan.
In addition, InstantLoanNetwork.com or its affiliates, may send you email containing information about loans or other products that may be of use to you.
Short Term Loan Disclosures
How does an online payday advance work?
Once you submit your application, we will attempt to match you with a lender. If we are successful, you may expect an agent to call you to guide you through the remainder of the process.
How will I know if my loan is approved?
After you apply online, you will receive an instant e-mail advising you that you are pre-approved for the loan, pending verification of the information you have provided us. A customer service representative will then contact you within a couple minutes (during business hours) and verify your information by phone, and then you are approved!
When will I receive my cash advance money?
Once we match you with a lender and after that lender approves your loan, your loan will typically be funded the next business day.
What are the implications of a payday loan late payment?
Instant Loan Network is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Once you are matched with a lender your loan agreement will contain important information about the implications of a late payment. Some lenders may provide the option of making an interest-only or partial payment on a limited basis for an additional fee. Late payments of loans may result in additional fees or collection activities, or both. Each Lender has their own terms and conditions. Please review their policies for further information.
What are the implications of a payday loan non-payment?
Instant Loan Network is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Once you are matched with a lender your loan agreement will contain important information about non-payment. Non-payment of credit could result in collection activities. Each Lender has their own terms and conditions, please review their policies for further information.
Do you provide loans to military personnel?
Instant Loan Network is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Most lenders will not lend to Military members or their dependents but Instant Loan Network does have at least one lending partner that specializes in assisting members of the U.S. armed services obtain a loan.
Do you adhere to a code of practice on responsible lending?
Although Instant Loan Network is not a lender our network of buyers are responsible for adhering to all state and federal lending laws and lenders that are members of CFSA have committed to adhere to the following CFSA Payday Advance Customer Bill of Rights.
Not all lenders are members of CFSA so when you speak with a loan representative you may want to ask this question. If you believe that you have been treated inappropriately by a CFSA member and you would like to report a violation of a CFSA Best Practice see CFSA Procedures for Responding to Customers Complaints.
CFSA Payday Advance Customer Bill of Rights.
You have the right to courteous and professional service.
You have the right to have your financial privacy and personal identity protected during and after transacting with a CFSA member company.
You have the right to receive full written disclosure of all fees and terms associated with your payday advance.
You have the right to rescind your loan, at no cost, within one (1) business day of accepting a payday advance.
You have the right to file a grievance against a CFSA member company if you believe that you have been treated in a manner that violates CFSA’s code of Best Practices. In such case, CFSA’s Ethics Committee will investigate your allegation and work with you and the CFSA member to resolve the issue.
You have the right to lawful and professional collection practices.
Upon repayment of your payday advance, you have the right to decline any offer to assume an additional payday advance.
If you live in a regulated state or municipality, you have the right to demand that your lender adhere to the payday lending law(s) of that state or municipality.
What are the loan fees including the annual percentage rate (APR)?
Instant Loan Network is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Once you are matched with a lender your loan agreement will contain important information about loan fees and the annual percentage rate. Lenders are required by law to disclose this information to you. You should always shop around for the best loan pricing you can find. Do not be scared by APRs that are in the triple digits (example 506%). Remember, the A in APR stands for annual. Your cash advance loan is typically for 14 days, not 52 weeks, so the APR has less meaning other than as a comparison shopping measure. In most cases, fees typically range between $10 and $30 per $100 borrowed.
What is the payday loan renewal policy?
Instant Loan Network is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Once you are matched with a lender your loan agreement will contain important information about the lender’s renewal policy. The ability to refinance or “rollover” a loan depends on the locality in which the lender is licensed. Every Lender has its own renewal policy, which may differ from Lender to Lender. Please review your Lender’s renewal policy.
What is your contact information and physical address?
Instant Loan Network is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Once you are matched with a lender your loan agreement should contain a legitimate physical address and contact details for that lender. The physical address for Instant Loan Network matching service is 1735 Buford Hwy, Suite 215-225, Cumming GA 30041.
Do you comply with other state or local regulations related to short-term loans?
It is important that you work with a lender that follows the laws set by national, state and local governing bodies. Instant Loan Network is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. When you receive your loan documents, read them carefully before you sign to learn which state or country the lender operates in. You can also check online for complaints about a particular lender.
©2016 Instant Loan Network
Rates & Fees
InstantLoanNetwork.com is not a lender. We are a matching service that helps you find a lender from among our entire network of lenders. Once you are matched with a lender your loan agreement will contain important information about loan fees and the annual percentage rate. Lenders are required by law to disclose this information to you. You should always shop around for the best loan pricing you can find. Do not be scared by APRs that are in the triple digits (example 506%). Remember, the A in APR stands for annual. Your cash advance loan is typically for 14 days, not 52 weeks, so the APR is inflated. In most cases, fees typically range between $10 and $30 per $100 borrowed.
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)
|NSF + Bounced Check
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 matched with one of our 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”). 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 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 the third party lender and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact during all online interactions with you electronically. The lender may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or third party lenders’ websites, and may be provided by e-mail.
Consenting to Do Business Electronically
Before you decide to do business electronically with 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, Netscape® or Mozilla Firefox®. 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 the third party lenders.
Your E-Consent for our matching service and for our third-party lenders’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched 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. Contract 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.
Change to Your Contact Information
You should keep third party lenders informed of any change in your electronic address or mailing address. You may 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, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.
BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. 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 CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.
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