Terms of Service

Last Updated: December 18, 2025

Welcome to HybridPaydayLoans. These Terms of Service govern your use of our website and services. By accessing or using our platform, you agree to be bound by these terms. Please read them carefully.

1. Acceptance of Terms

By creating an account, applying for a loan, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have a valid Social Security Number
• Have a regular source of income
• Have an active checking account
• Provide accurate and complete information

By submitting an application, you represent and warrant that you meet all eligibility requirements.

3. Loan Application Process

Application Submission

When you submit a loan application through our platform, you authorize us to:

• Verify your identity and employment information
• Obtain your credit report and credit score
• Share your information with lending partners
• Contact you via phone, email, or SMS regarding your application

Approval and Funding

Loan approval is not guaranteed and is subject to:

• Verification of provided information
• Credit check and underwriting review
• Compliance with state and federal lending regulations
• Availability of funds from lending partners

Identity Verification Fee

A one-time identity verification fee of $0.99 may be charged to confirm your identity and prevent fraudulent applications. This charge is reversible and helps protect against automated bot submissions.

4. Loan Terms and Conditions

Loan Amounts and Rates

• Loan amounts range from $500 to $5,000
• Annual Percentage Rates (APR) vary by state, creditworthiness, and loan amount
• APR typically ranges from 5.99% to 35.99%
• Repayment terms vary from 3 to 36 months

Fees and Charges

Depending on your loan and location, the following fees may apply:

• Origination fees (up to 8% of loan amount)
• Late payment fees
• Returned payment fees
• Early repayment (no prepayment penalties)

Repayment

You agree to repay your loan according to the terms specified in your loan agreement. Payments are typically deducted automatically from your bank account on scheduled due dates.

5. Your Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized account access
• Ensure sufficient funds are available for scheduled payments
• Update your contact and banking information as needed
• Comply with all applicable laws and regulations
• Use our services only for lawful purposes

6. Prohibited Activities

You may not:

• Submit false or misleading information
• Use our services for fraudulent purposes
• Attempt to manipulate or abuse our lending system
• Submit multiple applications using different identities
• Interfere with the proper functioning of our website
• Attempt to gain unauthorized access to our systems
• Use automated tools or bots to access our services
• Reverse engineer or copy any portion of our platform

7. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of HybridPaydayLoans or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

8. Third-Party Services

Our platform may integrate with third-party services, including:

• Credit reporting agencies
• Payment processors
• Identity verification services
• Lending partners

We are not responsible for the practices or content of these third parties. Your use of third-party services is subject to their respective terms and policies.

9. Disclaimers and Limitations of Liability

Service "As Is"

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

To the maximum extent permitted by law, HybridPaydayLoans shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from your use of our services.

No Guarantee of Approval

We do not guarantee loan approval or specific loan terms. All applications are subject to review and approval by our lending partners.

10. Indemnification

You agree to indemnify, defend, and hold harmless HybridPaydayLoans, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from:

• Your violation of these Terms of Service
• Your violation of any applicable laws or regulations
• Your infringement of any third-party rights
• Your use or misuse of our services

11. State-Specific Disclosures

Lending laws and regulations vary by state. Residents of certain states may have additional rights or restrictions. Please review your loan agreement carefully for state-specific terms and conditions applicable to your loan.

California Residents

Licensed by the Department of Financial Protection and Innovation. Loans made or arranged pursuant to a California Financing Law license.

New York Residents

New York residents may have additional consumer protection rights under state law.

12. Dispute Resolution

Arbitration Agreement

Any dispute arising from these Terms or your use of our services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if they qualify.

Class Action Waiver

You agree to resolve disputes with us on an individual basis and waive your right to participate in class action lawsuits or class-wide arbitration.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

13. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes by:

• Posting the updated terms on our website
• Updating the "Last Updated" date
• Sending notice to your registered email address

Your continued use of our services after such modifications constitutes acceptance of the updated terms.

14. Account Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for:

• Violation of these Terms of Service
• Fraudulent or illegal activity
• Providing false information
• Abuse of our services
• Non-payment of outstanding obligations

You may terminate your account at any time by contacting our customer support. Termination does not relieve you of your obligation to repay any outstanding loans.

15. Contact Information

For questions about these Terms of Service, please contact us:

• Email: support@hybridpaydayloans.com
• Phone: 1-800-555-LOAN (5626)
• Mailing Address: HybridPaydayLoans, 123 Financial Plaza, Suite 500, New York, NY 10001

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

17. Entire Agreement

These Terms of Service, together with our Privacy Policy and any loan agreements you enter into, constitute the entire agreement between you and HybridPaydayLoans regarding the use of our services.

By using HybridPaydayLoans, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.