Terms of Service

Last updated: September 2026

1. What this service is

All City Payday Loan publishes educational guides to short-term loan laws and operates a matching interface that forwards loan inquiries to third-party lenders. We are not a lender, creditor, or loan broker of record; we do not make credit decisions and do not guarantee approval, rates, or terms.

2. No financial advice

Content on this site is general information, not financial, legal, or tax advice. Statutes change and although we work to keep pages current, the authoritative source is always your state's statute and regulator, linked on each state page.

3. Third-party lenders

If you submit an inquiry, a lender may contact you and any resulting agreement is exclusively between you and that lender. We are not party to it. Review the lender's license and the contract — including the fee, APR, and repayment schedule — before signing.

4. Acceptable use

Don't scrape the site for resale, misrepresent your identity in an inquiry, or use the matching interface on behalf of another person without their consent.

5. Liability

The site is provided "as is." To the maximum extent permitted by law, we are not liable for losses arising from decisions made based on site content or from transactions with third-party lenders.

6. Contact

Questions about these terms: [email protected].