By choosing to accept the terms of this Consent, you are agreeing:
1) to receive all communications from Cash Factory USA electronically; and
2) you are able to access and print or store information presented to you on this website.

You agree that your electronic signature shall have the same force and effect, and shall bind you to this Consent in the same manner and to the same extent as a physical signature, as per the Electronic Signatures in Global and National Commerce Act (“ESIGN” Act). You further agree that this Consent and all related documents are electronic records and that they may be transferred, authenticated, stored and transmitted by electronic means.

To help the government fight the funding of terrorism and money laundering activities, Federal law require all financial institutions to obtain, verify, a nd record information that identifies each person who opens an account. This means that, when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your government-issued photo identification or other identifying documents.

Applications submitted on this website may be evaluated for one of two separate loan programs: loans made by Cash Factory USA, a licensed lender in certain states, or loans made by Red Rock Loans, a licensed lender in certain states. Cash Factory USA works with Red Rock Loans to originate loans made by Red Rock Loans, where Cash Factory USA operates as a licensed “Credit Access Business” and/or a “Credit Service Organization” in certain states. To verify the rates and program for which your application will be evaluated, please select your state of residence on our Rates and Terms information page, found here.

To obtain a loan, you must apply online, have a valid checking account, and meet certain minimum income requirements. Loans offered may vary by loan program and state; and the amount of the loan we are able to offer you may be restricted by your state’s regulations and/or income requirements. Loans offered vary by loan program and state. The actual loan amount, term and APR that you may qualify for may vary based upon your creditworthiness.

APR = Annual Percentage Rate. The APR is the cost you pay each year to borrow money, including any fees charged for the loan, expressed as a percentage. The APR is a broader measure of the loan cost because it reflects both the interest rate and also any fees associated with the loan. To see payment examples, please select your state in our Rates & Terms page, found here.

Please note that approved loan funding is generally deposited to your designated bank account one to two business days after loan approval, if approved and signed by you by 5PM PT Monday through Friday, excluding weekends and holidays. Actual availability of funds depends on your financial institution’s policies and procedures.

The terms of the general Cash Factory USA Privacy Policy are hereby incorporated as part of these Terms of Use. You may view the full version of the Cash Factory USA Privacy Policy here. In addition to the terms of the Privacy Policy, the following terms further describe our privacy practices as they relate to your online loan application:

Technical and Other Information: While you are using this website, we automatically log your IP address (a number assigned to your computer when you use the Internet), your email address and your activity while using the website. Additionally, in order to personalize and enhance your experience, we may also collect information through “cookies,” “applets” and similar technologies (“Trackers”). Trackers are sent by the website to your browser and may be stored by your browser on your device. By using our website to apply for a loan, you are giving us permission to use Tracking technology. We may use Trackers: (1) to help diagnose problems with our servers, improve user experience and to administer our website; (2) to better understand the effectiveness of our marketing efforts, and in some cases to follow up with you later on business related to use of the website; (3) to protect our company and its users from malicious activities including hacking and fraud; (4) to ensure that certain aspects of the website function correctly, or function in a manner designed to suit your needs. Cash Factory USA’s Trackers do not contain any personally identifiable information about you; however, Cash Factory USA may be able to identify you individually by combining information in the Trackers with our internal records. Most web browsers automatically accept cookies and other types of Trackers, but it is possible to change your browser setup so that it does not accept Trackers; however, if you reject our cookies and/or other Trackers, you may not be able to access certain portions of the Site.

Tracking: We have not authorized third parties to use our website to collect personally identifiable information from us about your online activities; nonetheless, some third-party companies (e.g., advertisers, companies providing features or functionality for the website) may collect and use non-personal information during your visits to the website, and it may be possible for them to track personally identifiable information about your online activities. We do not currently process or comply with any web browser’s “do not track” signal or other mechanisms that provide consumers with the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third party websites about goods and services likely to be of greater interest to you. These companies typically use a cookie or a third-party web beacon to collect such information.

Geolocation: Please note that by accessing our website, you acknowledge and agree that Cash Factory USA may be able to determine the physical location of your device or other technology device through the use of your IP address or other identifying information, such as your email address.

Sharing Information: We share your information in accordance with the terms of our Privacy Policy and may share such information with service providers, agents, affiliates, and other people (including but not limited to other providers of consumer financial products or services) with whom we enter into an agreement to provide such information to the extent it is necessary to conduct business. In addition, we will disclose information we maintain, including personally identifiable information: (i) when required to do so by law, or may disclose such information in response to a request from a law enforcement agency or authority or any regulatory authority; (ii) to protect the integrity or security of our website or the interests, rights, or property of Cash Factory USA; or (iii) to enforce the website’s Terms of Use.

Modifications: It is your responsibility to ensure that any personally identifiable information provided is accurate, complete and up to date. You may obtain from us, by mail, the information in our records. If you wish to make any changes to any personally identifiable information you have provided to us, you may do so at any time by contacting us at Cash Factory USA, 101 Convention Center Drive, Suite 700, Las Vegas, NV 89109.

Children: In compliance with the Children’s Online Privacy Protection Act, 15 U.S.C. §§ 6501-06 and 16 C.F.R. §§ 312.1-312.12, we do not knowingly collect or solicit personally identifiable information from anyone under 13 years of age. In addition, children under the age of 18 years may not use our services or register for an account. By using the website, you represent that you are at least 18 years of age. By using the website to apply for a loan, or registering for an account with Cash Factory USA, you represent that you are at least 18 years of age and have the right to form legally binding contracts and to perform your obligations hereunder.

Security: Because security is critical in all our transactions, we undertake all reasonable efforts to ensure the security of our systems. By agreeing to these terms, however, you agree that you understand that Internet data transmission is not always secure, and we cannot guarantee that information you transmit utilizing our website is entirely secure.

Third Party Sites and Advertisements: Our website may reference or provide links to third party websites, services and/or products, which may include third party advertisements. Cash Factory USA does not control third party websites and cannot be responsible for the content or privacy policies of any third-party websites or web pages. Accordingly, you should review the privacy policies applicable to any third-party websites, including those referenced or linked through our website.

Updates: We reserve the right, at any time, to modify, alter, or update our Privacy Policy, and any such modifications, alterations, or updates will be effective upon posting. In the event we modify our Privacy Policy, your continued use of the Cash Factory USA website will signify your acceptance of the modified Privacy Policy.