Terms & Conditions

Acceptance & eligibility

By submitting an application, signing a loan agreement, or otherwise accessing or using the services offered at getacashadvancetoday.com, you agree to be bound by these Terms & Conditions in their entirety. If you do not agree to any provision, please close this page and refrain from submitting personal information through the application form.

To be eligible for a loan you must be at least eighteen (18) years of age, a citizen or lawful permanent resident of the United States, hold a valid U.S. checking or savings account in your own name capable of receiving an inbound ACH credit, possess a valid Social Security number, and reside in a U.S. state in which we are licensed to lend at the rates and terms applicable to your application.

The loan product

Get A Cash Advance Today underwrites fixed-rate, unsecured personal installment loans with simple-interest amortization, monthly payment frequency, no balloon payment, no insurance bundling, no add-on fees, and no prepayment penalty. Principal $500–$15,000; term 3–60 months; APR 5.99–35.99% inclusive of all finance charges.

The loan is a closed-end credit product within the meaning of Regulation Z § 1026.2(a)(10): the disbursed principal is fixed at the outset, the repayment schedule is fixed at the outset, and the contract terminates upon receipt of the final scheduled payment or sooner upon prepayment in full.

APR, finance charge, monthly payment

Your annual percentage rate is determined at underwriting using the rate-tier matrix published on our home page. The four tiers are Excellent (740+ FICO — 5.99% APR), Good (680–739 — 14.99%), Fair (620–679 — 24.99%) and Building credit (below 620 — 35.99%).

The monthly payment M is computed using the standard amortization formula M = P · r / (1 − (1 + r)⁻ⁿ), where P is the principal, r is the periodic rate (APR ÷ 12 ÷ 100), and n is the term in months. The total of payments is M · n; the finance charge is the total of payments minus the principal.

Application & underwriting

The application collects (1) contact details, (2) income and ZIP, and (3) FCRA authorization. We perform automated identity verification, OFAC sanctions screening, and Customer Identification Program checks under the USA PATRIOT Act § 326. A single human underwriter reviews each completed application alongside the consumer-report data and renders a credit decision within 24 hours of submission. The decision is governed by the published rate-tier matrix; we do not use undisclosed pricing factors or behavioural-data overlays.

FCRA hard-pull authorization

By ticking the FCRA-authorization box on the loan application, you give Get A Cash Advance Today and any of its underwriting agents the express authorization to obtain one or more hard-pull consumer reports from a nationwide consumer-reporting agency for the permissible purpose of credit underwriting under 15 U.S.C. § 1681b(a)(3)(A). The hard-pull will appear on your consumer report and may temporarily depress your credit score in line with the bureau's scoring model.

You may withdraw this authorization at any time before submission; once submitted, the authorization is irrevocable for the duration necessary to complete the underwriting decision and the related adverse-action notice procedures.

Adverse-action (ECOA · Regulation B)

If your application is declined, in whole or in part, the Equal Credit Opportunity Act and Regulation B (12 C.F.R. § 1002.9) require us to send you, within thirty days of receiving a complete application, a written adverse-action notice stating the action taken, the principal reason(s) for the adverse action, the name and contact information of the consumer-reporting agency that supplied any consumer report we relied upon, and the federal anti-discrimination notice prescribed by the regulation.

Funding & ACH authorization

If approved, you authorize Get A Cash Advance Today to initiate an inbound ACH credit of the principal amount to the U.S. checking or savings account whose routing and account numbers you provided at the application. You also authorize recurring outbound ACH debits of the scheduled monthly payment, on the due dates listed in the amortization schedule annexed to your loan agreement, until the loan is paid in full.

You may revoke the recurring-debit authorization by giving us written notice no fewer than three business days before the next scheduled debit; revocation does not cancel the underlying loan obligation, which remains payable by alternative means without imposition of additional fees.

Repayment schedule

Each loan is repaid in n equal monthly installments. Installments are due on the same calendar date each month, beginning thirty days after the funding date. The amortization schedule annexed to your loan agreement lists the specific calendar dates, the principal and interest split of each installment, and the running balance after each payment.

Late charges & default

An installment is considered late if not paid in full by the close of business on the calendar day ten days after its due date. A flat $15 late charge accrues on each late installment. We will waive the late charge on a borrower's first occurrence of lateness if you contact support before the due date and arrange a deferral or partial-payment plan in writing.

An installment that remains unpaid 60 days after its due date constitutes an event of default, at which point the entire remaining principal balance, accrued interest and accrued late charges become immediately due and payable, and the loan is reported as charged off.

Prepayment

You may prepay any portion or the entire outstanding balance of your loan, at any time, without penalty. Interest is accrued on a simple-interest, daily-pro-rata basis on the outstanding principal balance, so a prepayment in excess of the scheduled installment will save you the unaccrued interest on the prepaid principal for the remainder of the loan term.

Furnishing to consumer-reporting agencies

For the duration of the loan and for seven years following its closure, we will furnish your monthly payment status to the nationwide consumer-reporting agencies, in line with our duties as a data furnisher under 15 U.S.C. § 1681s-2 and Regulation V (12 C.F.R. Part 1022). You may dispute the accuracy of any item we furnish by writing to us or to the relevant consumer-reporting agency directly.

E-SIGN consent

By accepting these Terms & Conditions you affirmatively consent, under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act as adopted by the State of Missouri, to receive every disclosure, notice, statement, agreement, and other communication from Get A Cash Advance Today in electronic form.

You may withdraw this consent prospectively, at no charge, by writing to the privacy contact at section 20.

Communications & TCPA consent

You consent to receive servicing-related communications by email, postal mail, in-product notification, automatic-dialled telephone call, and SMS, at the contact information on file. Marketing communications are sent only with separate express consent and may be opted out of at any time, without forfeiting the servicing communications.

For TCPA purposes, the servicing communications are placed under the established-business-relationship exemption and are not marketing calls. Message-and-data rates may apply for SMS as charged by your wireless carrier.

Limitation of liability

To the maximum extent permitted by applicable law, Get A Cash Advance Today, its owner, employees, agents, and licensors will not be liable for any indirect, incidental, consequential, special, or exemplary damages, including loss of profits, business interruption, or lost data, arising out of or in connection with your use of the services. Our aggregate liability is capped at the greater of (a) the finance charge actually paid by you on your most recent loan or (b) USD 100. The cap does not apply to liability that cannot lawfully be limited or excluded.

Indemnification

You agree to indemnify and hold harmless Get A Cash Advance Today and its owner, employees, agents, licensors and successors against any claim, loss, liability, expense or cost (including reasonable attorneys' fees) arising out of or in connection with (i) your violation of these Terms; (ii) your violation of any applicable law; or (iii) the inaccuracy of any representation or warranty you make to us.

Binding arbitration

Any dispute, claim or controversy arising out of or relating to these Terms, the loan agreement, the services, or any communication between you and Get A Cash Advance Today shall be resolved by final and binding individual arbitration administered by the American Arbitration Association in accordance with its Consumer Arbitration Rules, before a single arbitrator. The seat of arbitration is Kansas City, Missouri; the language is English.

You may, at any time before submitting an application, opt out of this arbitration provision by sending a written notice with your full legal name, residential address, and the words "I opt out of the arbitration agreement" to the address listed in section 20. Notwithstanding this section, either party may bring an action for individual relief in small-claims court in Jackson County, Missouri.

Class-action waiver

You and Get A Cash Advance Today agree that any arbitration shall proceed solely on an individual basis and not as a class, collective, consolidated or representative action. The arbitrator shall lack authority to award class-wide or representative relief.

Governing law & venue

These Terms and any non-arbitrable dispute hereunder are governed by the laws of the State of Missouri, without giving effect to any conflict-of-laws principle. The exclusive venue for any non-arbitrable dispute is the state and federal courts located in Jackson County, Missouri.

Federal consumer-credit statutes — TILA, ECOA, FCRA, GLBA, E-SIGN, and TCPA — remain fully applicable notwithstanding the choice-of-law clause.

Severability & entire agreement

These Terms, together with the loan agreement, the amortization schedule, the Privacy Policy and any written addendum, constitute the entire agreement between you and Get A Cash Advance Today.

If any provision is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to render it enforceable or, if such modification is not possible, severed from the remainder of these Terms.

Contact & complaints

For questions about these Terms, to opt out of arbitration, or to submit a complaint, contact us at:

Get A Cash Advance Today, LLC
Attn: Compliance (Ivo Baltic, Owner)
5587 Thousand Oaks Dr
Kansas City, MO 64152-5509
Email ibaltic@getacashadvancetoday.com
Phone +1 (601) 871-0865

Unresolved complaints may be directed to the Missouri Division of Finance, 301 W. High Street, Room 630, Jefferson City, MO 65101, or to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.