GOVERNING LAW : The transactions related to loans will be deemed to have taken place in the offices of AAA CASH ADVANCE, Inc. and according to the laws of the state of California, regardless of where you may be viewing  or accessing this site. 

Payday Loan is intended as a short-term cash flow tool. It is not designed as a solution for longer-term financial problems.

In your Loan Agreement the words "you" or "your" mean the customer identified on front of agreement. The words "Us," "We," and "Our" mean the Lender. 

By agreeing to this application, you understand and agree to all terms and conditions of this Agreement and by submitting the online information application by Internet or by phone, you are applying for a cash advance and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of my electronic signature or verbal consent by phone, you are not presently involved in or contemplating bankruptcy now or in the future. You authorize us to verify the information in this application and hereby give the Lender consent to obtain information on you from a consumer reporting agency or other various means available. You understand that the Lender reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, you understand verification of the information you have provided is necessary, including, but not limited to, employment and bank account verification. You accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to you.

We hereby reserve all rights and power to assign any of our interests in the Agreement to any successor, assignor or purchaser for value without notice or your consent.

All terms used herein are to be defined in accordance with codes, statutes and federal laws of the United States.

Regulation B: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning the creditor is Federal Trade Commission Equal Credit Opportunity Washington, D.C. 20580.

AAA CASH ADVANCE, Inc. currently provides loans ranging from $50.00 to $255.00.  The finance charge for these loans is based on 300- 950 percent APR and the number of days of the loan.  See fees for a complete breakdown of amounts and charges for various length loans.

Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or APR Below all costs, terms and rates associated with our cash advance program are given.

The chart below represents illustrative examples of the cost of a loan to the borrower. If you have any questions, or would like more information, please ask. Make certain the questions that you ask are answered. Make certain you understand the term and costs of you loan.

Note: Under California state law, a borrower may not renew the loan. A borrower may enter into a new loan transaction with AAA Cash Advance at any time after a prior loan to the borrower is completed.

In no event will we be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if we, or representatives thereof, are advised of the possibility of such damages, losses or expenses.

In the event that any transaction, ACH or EFT debit, that you have authorized returns to AAA CASH ADVANCE, Inc for any reason: (1) you agree to pay a returned check charge of $15.00, (2) in the event that we initiate collection activity on your account, you agree to be responsible for collection fees, and (3) you authorize AAA CASH ADVANCE, Inc. to initiate debits to any bank accounts in your name in amounts up to and less than the amount owed until the amount owed is paid in full.

Pursuant to requirements of Federal law, including the USA PATRIOT Act, we may obtain information and will take necessary action to verify your identity.

By submitting the application form, I understand and agree to all terms and conditions of this Master Agreement and by submitting the online information application by Internet, I am applying for a cash advance and certify that information provided by me is true and correct under penalty of perjury. I agree that upon submission of my electronic signature, I am not presently involved in, nor contemplating bankruptcy now or in the future. I authorize you to verify the information in this application and hereby give us the lender consent to obtain information on me from a consumer reporting agency or other various means available. I understand that the Lender reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, I understand verification of the information I have provided is necessary, including, but not limited to, proof of residence, employment and bank account verification. I accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to me.

Our goal is to meet the needs of our customers. We respect the privacy of our customers and we believe you have the right to expect that information you entrust to us will be treated with appropriate discretion. As part of our Privacy Policy, we have adopted the following principles to serve as standards.

AAA Cash Advance has established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable commercial standards. Should you ever believe that our records contain inaccurate or incomplete information about you, please notify us. We will investigate your concerns and correct any inaccuracies in a timely manner.

AAA Cash Advance is committed to the security of your financial and personal information. All of our operational and data processing systems are in a secure environment that protects your account information from being accessed by third parties.