Terms of Service

1. Acceptance of Terms

By accessing and using this website ("Site"), operated by Gulfport Cash Advance, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Service Description

Gulfport Cash Advance is NOT a lender. We are not a direct lender, loan broker, or agent for any lender. Gulfport Cash Advance is a free, no-obligation matching service that connects potential borrowers with independent, third-party lenders. Submitting a request does not guarantee that you will be connected with a lender or approved for a loan. We provide a free service to connect consumers with lenders who may offer short-term loans. We do not make credit decisions, set loan terms, or charge fees to consumers.

3. Not a Lender

We are not a direct lender, loan broker, or agent for any lender. Gulfport Cash Advance is a free, no-obligation matching service that connects potential borrowers with independent, third-party lenders. Submitting a request does not guarantee that you will be connected with a lender or approved for a loan. The actual lender is responsible for all aspects of the loan, including the application process, approval, funding, and collections. Loan terms, including APR, fees, and repayment terms, are set solely by the lender.

4. No Guarantee of Approval

Submitting a loan request through our Site does not guarantee that you will be matched with a lender or approved for a loan. Approval is at the sole discretion of the lender and depends on the information you provide and the lender's underwriting criteria.

5. Credit Checks and Reporting

While our matching service does not perform traditional hard credit inquiries, the lenders in our network may perform credit checks or verify your social security number and financial information through alternative credit bureaus (e.g., Clarity, Teletrack, or Experian). By submitting your information, you agree to allow lenders to verify your credit and information. By submitting your information, you authorize lenders to verify your information and perform credit checks as permitted by law.

6. APR Disclosure

APRs for payday loans vary widely depending on the lender, state laws, and your financial profile. Because we are not a lender, we cannot guarantee the specific APR you will be offered. In Mississippi, state law permits maximum finance charges of up to $21.95 per $100 borrowed for loans between $251 and $500, which results in a high APR. Always review the lender's loan agreement for exact rate details.

7. Financial Responsibility

Short-term loans should be used for short-term financial needs only, not as a long-term financial solution. Borrowers with credit difficulties should seek credit counseling. You are responsible for carefully reviewing the loan agreement provided by the lender before accepting any loan offer.

8. State Regulations

Loan availability, terms, and regulations vary by state. Not all lenders operate in all states. Notice to Mississippi Residents: Payday lending is regulated by the Mississippi Department of Banking and Consumer Finance. The maximum loan amount under the Mississippi Check Cashers Act is $500. Rollovers are strictly prohibited. The maximum fee allowed is $20 per $100 for amounts up to $250, and $21.95 per $100 for amounts from $251 to $500.

9. Limitation of Liability

Gulfport Cash Advance shall not be liable for any damages arising from the use of this Site or any loan obtained through a lender connected via our service. All information is provided "as is" without warranty.

10. Contact

If you have questions about these Terms of Service, please contact us at [email protected].