Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Bryan Quick Loans, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Service Description

Bryan Quick Loans is NOT a lender. We are not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions, fund loans, or determine loan terms. We provide a free service to connect consumers with lenders who may offer short-term loans. We do not make credit decisions, set loan terms, or charge fees to consumers.

3. Not a Lender

We are not a direct lender. We are a matching service that connects borrowers with third-party lenders. We do not make credit decisions, fund loans, or determine loan terms. The actual lender is responsible for all aspects of the loan, including the application process, approval, funding, and collections. Loan terms, including APR, fees, and repayment terms, are set solely by the lender.

4. No Guarantee of Approval

Submitting a loan request through our Site does not guarantee that you will be matched with a lender or approved for a loan. Approval is at the sole discretion of the lender and depends on the information you provide and the lender's underwriting criteria.

5. Credit Checks and Reporting

Submitting a request through this website does not guarantee approval. Lenders within our network may perform credit checks using major credit bureaus (such as TransUnion, Experian, and Equifax) or alternative providers to determine your eligibility. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

The Annual Percentage Rate (APR) represents the annualized cost of your loan. In Texas, because loans are generally facilitated by Credit Access Businesses (CABs), total fees can be substantial, leading to APRs that often range between 200% and 600%+. APRs are determined solely by your lender based on your creditworthiness, loan amount, and state laws.

7. Financial Responsibility

Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. Borrowers with credit difficulties should seek credit counseling. You are responsible for carefully reviewing the loan agreement provided by the lender before accepting any loan offer.

8. State Regulations

Loan availability, terms, and regulations vary by state. Not all lenders operate in all states. Texas Residents: Payday and title loans in Texas are primarily regulated by the Office of Consumer Credit Commissioner (OCCC). Lenders generally operate as Credit Access Businesses (CABs). These are high-cost, short-term financial products and should not be used as long-term financial solutions.

9. Limitation of Liability

Bryan Quick Loans shall not be liable for any damages arising from the use of this Site or any loan obtained through a lender connected via our service. All information is provided "as is" without warranty.

10. Contact

If you have questions about these Terms of Service, please contact us at [email protected].