How It Works
gotmoneys.com is not a lender and does not approve or deny loans or make credit decisions. gotmoneys.com provides a marketplace service only and is not acting as a representative, agent, or correspondent for any lender or service provider. gotmoneys.com does not endorse any particular lender, loan product or service provider. You are under no obligation to use gotmoneys.com’s service to initiate contact with, apply for credit from, or accept any loan product from any lender or service provider. This service is not available in all states.

By submitting your information via this website, you are authorizing gotmoneys.com and its partners to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and TransUnion, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize gotmoneys.com to share your information and credit history with a network of approved lenders and lending partners.

There is no fee for you to submit a loan request at gotmoneys.com. gotmoneys.com is not a lender and does not provide lending services. Based on the information you submit, gotmoneys.com will search its vast network of authorized lenders in order to connect you with a lender that may be able to serve your needs.

After your information is forwarded to an authorized lender, the lender will evaluate your information and may approve a loan for you. If your loan is approved, you will be redirected to an e-signature page on the lender’s website. All fees and rate information charged by the lender should be disclosed to you at that time. You should carefully and thoroughly review the rates and fees provided by the lender before agreeing to accept the loan or signing any documents. You are under no obligation to accept terms you are not comfortable with, and you should not accept terms that include payment amounts that are too difficult or impossible for you to meet.

If you decide the loan terms provided by the lender are acceptable and wish to proceed, you may e-signature the document. When signing, you are entering into a legally binding contract with the lender and are responsible for repayment of the loan. Your repayment obligation and any other loan-specific questions or concerns are between you and the lender, not gotmoneys.com.

Cash advances are intended as short-term financial relief and are not long-term financial solutions. If you are facing debt and credit difficulties, you should seek professional financial counseling.

Please visit the Rates & Fees page of this website to learn more about the risks involved with cash advances. You also should review local laws and regulations governing cash advances. Where possible, you are encouraged to explore alternatives to taking out a short term loan.

gotmoneys.com is not available in all states. gotmoneys.com specifically does not offer or solicit short-term cash advances in New York, Connecticut or other states where prohibited by law.

You acknowledge, agree, and authorize that (a) your information may be sent to lenders and/or third-party partners on your behalf, and (b) such lenders may obtain consumer reports and related information about you from one or more consumer reporting agencies, such as TransUnion, Experian and Equifax to evaluate your creditworthiness.

Policy on Responsible Lending
gotmoneys.com wants consumers to be educated, make smart financial decisions, and to be protected from malicious personal consumer lenders and other unsavory businesses that engage in unlawful and unethical lending practices.

Trust and Truth
gotmoneys.com's policies and practices conform to applicable provisions of fair lending laws like the Truth in Lending Act. Before a consumer enters into a loan agreement, the lender should provide you in writing (this can be electronically) with the exact fees, rates, charges, roll over charges and other details. Visit the Rates and Fees section of this website to learn about current regulations and laws in your state.

Fair Lending
The Dodd-Frank Wall Street Reform Act states that all lenders must engage in "fair lending" practices. The Consumer Financial Protection Bureau enforces fair lending rules and regulations.

Current State Regulations
gotmoneys.com encourages lenders to follow applicable federal and state regulations. This includes conformity with local laws regarding interest rates, maximum loan terms, rollover limits, fees, cooling-off periods in between loans, and other loan terms. Lenders that are an extension of a federally recognized Indian Tribe act as independent sovereign nations and may not be required to follow local laws regarding rates, fees and other loan terms, although such lenders conform to federal lending laws including the Truth in Lending Act.

Rates & Fees
gotmoneys.com’s service is always free. The rates and fees applicable to your loan will be set by your lender. gotmoneys.com is not a lender and does not provide lending services directly to consumers. gotmoneys.com uses the information you submit to quickly and conveniently connect you with a lender.

Full Disclosure of Terms
The Truth in Lending Act requires full disclosure of all loan fees and interest rates. Your lender should disclose all fees and rates to you before you accept your loan. If you accept the loan terms, most lenders will direct you to an e-signature page to complete the loan process. Please take the time to read your loan agreement before accepting and signing it.

Late Payment Policy
Lenders may have different policies regarding late payments. Review the late payment policy detailed in your loan agreement before signing. All lenders must abide by applicable laws, rules, and regulations regarding late payment fees. Select your state from the list below to review the laws and regulations governing late payments by a particular state.

Non-payment Policy
Additional fees or charges may apply in the event that you are unable to repay your loan. gotmoneys.com tries to work with reputable lenders dedicated to using lawful, fair and reasonable means to pursue collections of overdue accounts. Find your state in the list down below to review the legal repercussions applicable to you in the case of non-payment.

Loan Renewal Policy
Loan renewal policies are largely governed by state law. In states where rollovers are allowed, additional interest and late fees can add substantial to your final loan amount, so these should be avoided whenever possible. Find your state’s laws and regulations governing rollovers and extensions from the list below. Read the lender’s terms in considering renewal options before signing the loan agreement.

Please note that this list is for informational purposes only, is not intended to be legal advice, and may not be accurate or up to date at all times. If you have a specific question about laws or regulations applicable to you, please ask your lender directly or consult a legal adviser. Some states do not have any lending statutory provisions pertaining to personal loans.