Terms of Use
Effective date: 2026-05-27
These Terms of Use ("Terms") govern your use of zapcashnow.com ("the Site") operated by zapcashnow.com. By accessing the Site or submitting a loan request, you agree to these Terms.
1. Eligibility
You must be at least 18 years old, a legal resident of the United States, and not a resident of a state in which our service is not available, to use the Site. See Lending Policy for the current state availability list.
2. Nature of the service
zapcashnow.com is a loan request and lead-generation service. We are not a lender, not a loan broker, and not an agent or representative of any lender. We do not make credit decisions, set rates, or fund loans. We transmit your request to one or more participating lenders for their consideration.
3. Accurate information
You agree that all information you submit through the loan request form is true, accurate, and complete to the best of your knowledge. Submitting false information may constitute fraud and may result in denial of your request and referral to law enforcement.
4. No guarantee of approval
Submitting a loan request does not guarantee that you will be matched with a lender or that any lender will approve your request. Loan amounts, interest rates, fees, repayment terms, and funding timing are determined solely by the lender.
5. Communications and consent
By using the Site you agree to the Privacy Policy and the E-Consent. By checking the consent boxes on the form, you separately agree to the TCPA consent for marketing and account-servicing contact, the credit authorization, and electronic delivery of disclosures.
6. Intellectual property
The Site and its content, including text, graphics, logos, and software, are the property of zapcashnow.com or its licensors and are protected by United States copyright and trademark law. You may not reproduce, distribute, or create derivative works from the Site without our written permission.
7. Prohibited conduct
You agree not to (a) use the Site for any unlawful purpose, (b) attempt to gain unauthorized access to any portion of the Site, (c) submit information about anyone other than yourself without their authorization, (d) use any automated means to access the Site, (e) interfere with the operation of the Site, or (f) violate any applicable law in connection with your use of the Site.
8. Disclaimer of warranties
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
9. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CASHLYGO.COM, ITS AFFILIATES, AND ITS LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY LOAN OFFER OR LOAN PROVIDED BY ANY LENDER.
10. Indemnification
You agree to indemnify and hold zapcashnow.com and its affiliates harmless from any claim, loss, or expense (including reasonable attorneys' fees) arising from your breach of these Terms, your submission of inaccurate information, or your violation of any applicable law.
11. Governing law and dispute resolution
These Terms are governed by the laws of the State of Nevada, without regard to its conflict of laws principles. Any dispute arising out of or related to these Terms or your use of the Site will be resolved exclusively in the state or federal courts located in Clark County, Nevada, except to the extent that applicable consumer-protection law gives you the right to bring suit in your state of residence. Nothing in this paragraph waives any unwaivable right under the federal Fair Credit Reporting Act, the Truth in Lending Act, or applicable state consumer-protection law.
12. Changes to these Terms
We may update these Terms at any time. The "Effective date" reflects the most recent update. Continued use of the Site after a change constitutes acceptance of the updated Terms.
13. Contact
zapcashnow.com
4614 Carriage Lane
Toledo, OH 43615
Email: [email protected]