Important information about our services and website
Last Updated: January 1, 2025
The information provided on this website and through the services of E-Z CASH ADVANCE, INC. is for general informational purposes only. While we strive to keep the information up to date and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on this website.
The information provided by E-Z CASH ADVANCE, INC. does not constitute financial, investment, tax, legal, or accounting advice. You should consult your own financial advisor, tax consultant, or legal counsel before making any financial decisions. We are a credit intermediation and personal lending service and do not provide comprehensive financial planning services.
Important Notice: Short-term cash advances and loans are intended to address immediate financial needs and should not be used as long-term financial solutions. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.
E-Z CASH ADVANCE, INC. may perform credit checks through one or more credit bureaus, including but not limited to TransUnion, Experian, and Equifax. By submitting your information, you agree to allow us to access your credit report. Your credit score may be impacted by credit inquiries. Late or non-payment of your loan may negatively impact your credit score.
Annual Percentage Rate (APR) for loans can vary significantly based on:
APRs for short-term loans can range from 36% to 799%. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, term, and cost of your loan, repayment amounts, and timing of payments.
Our services are not available in all states. State laws and regulations may prohibit or restrict short-term lending. E-Z CASH ADVANCE, INC. operates in compliance with applicable state and federal laws. Residents of some states may not be eligible for a cash advance based upon state regulations or lender requirements.
If you fail to repay your loan according to its terms, the lender may:
Loan renewal policies are primarily governed by state regulatory legislation. Loan renewal options may not be available in all states. It is important to carefully review renewal policies before accepting a loan. Additional fees may apply for renewals or extensions. Excessive renewals can lead to a cycle of debt.
Submission of a loan application does not guarantee approval. Loan approval is subject to meeting underwriting requirements, which may include:
E-Z CASH ADVANCE, INC. may connect you with third-party lenders. We are not responsible for the actions or inactions of any lender, are not an agent, representative, or broker of any specific lender (unless explicitly stated), and do not endorse any lender. We receive compensation from lenders and/or third parties for connecting consumers with lenders.
While we implement industry-standard security measures including SSL encryption to protect your information, we cannot guarantee absolute security. Internet transmissions are never completely private or secure. Any information you transmit to us is done at your own risk.
This website may contain links to external websites that are not provided or maintained by us. We do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites. The inclusion of any link does not imply endorsement by E-Z CASH ADVANCE, INC.
In no event will E-Z CASH ADVANCE, INC., its officers, directors, employees, or agents be liable to you for any direct, indirect, incidental, special, punitive, or consequential damages whatsoever resulting from:
By providing your contact information, you may receive marketing communications from us and our partners, including but not limited to emails, text messages, and phone calls. You can opt-out of these communications at any time by following the unsubscribe instructions in the communications or by contacting us directly.
We encourage responsible borrowing and urge you to:
Before taking out a short-term loan, consider these alternatives:
If you have a complaint about our services, please contact us first at:
E-Z CASH ADVANCE, INC.
Customer Service Department
56 Star Dr
Chillicothe, OH 45601-9583
Phone: (347) 555-3152
Email: support@LoanZoneFinance.com
You may also contact your state's regulatory agency or the Consumer Financial Protection Bureau (CFPB) at:
Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244
Phone: (855) 411-2372
Website: www.consumerfinance.gov
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting to this website. Your continued use of our services following any changes indicates your acceptance of the modified disclaimer.
For questions about this disclaimer, please contact:
E-Z CASH ADVANCE, INC.
Attn: Legal Department
56 Star Dr
Chillicothe, OH 45601-9583
Phone: (347) 555-3152
Email: support@LoanZoneFinance.com
By using our website and services, you acknowledge that you have read, understood, and agree to this disclaimer in its entirety. If you do not agree with any part of this disclaimer, please do not use our services.