By your use of this web-site, you agree and accept that all services provided by the web-site, as well as your rights and responsibilities related hereto shall be governed by and interpreted in accordance with the laws of State of California with no regard to conflict of law principles.

"apoLoan.com" is not a lender, nor does it offer lending products or credit products of any kind. All statements on this website regarding lending are not an offer to lend money. "apoLoan.com" is a media resource designated for technical interconnection of its users with a network of short-term loan providers. "apoLoan.com" web-site will transfer your loan request to lenders, which may offer you loans of up to $1000 (possible maximum) dependent on each particular state’s regulations. Any statements on "apoLoan.com" web-site regarding terms of request form, its approval, and loan transfer shall be regarded as an example only.

We are not lenders’ agent or broker, we do not represent lenders, nor acting on their behalf or in their interest. We do not get any fee or appreciation from lenders or financial institutions for doing our business via "apoLoan.com" web-site.

Note, that short-term loans shall be treated as an urgent financial instrument only and do not constitute a long-term financial solution. Even though short-term loans have certain advantages they shall not be at any time regarded as a good option for solving constant debt and credit difficulties. Short-term loans can involve certain risks and may end with a substantial financial burden. We strongly recommend you to contact your legal adviser or the Office of the Attorney General in your state in order to check your eligibility, actual conditions, risks and alternatives of short-term lending.

"apoLoan.com" is not aimed at recommending or offering to use short-term lending, causing any negative impact on our users’ paying capacity, or supporting of any illegal or fraudulent activity of lenders, financial institutions, data processing agents etc.

You will never be charged with any fee either for using of "apoLoan.com" web-site, its services, for submission, and processing of your loan request. We receive commissions from lending institutions for every loan which was initiated through our web-site.

Completion and submission of your application does not guarantee that you will be approved for a loan. Some of USA citizens are not eligible for using of short-term loans subject to each particular state’s regulations.

In some cases, approval of your loan request might require submission of further documents to a lender by fax. Some lenders will not perform credit checks with Trans Union, Equifax or Experian, though credit or other background checks may be obtained from alternate providers.

All details of loans are determined exclusively by the lender, including finance charges, repayment dates, penalty fees, and final loan amounts. Our service doesn’t monitor private information on rates and fees you discuss with a lender and has no access to your loan details. Loan funds are transferred directly to the borrower’s account by the lending institution. We do not participate into or control pre- and post-money transfer and processing procedures and reports. "apoLoan.com" disclaims any and all liability for damages incurred directly or indirectly as a result of any and all negative or unexpected consequences of our users’ cooperation with lenders either connected with users’ misbelieve, inattentiveness, lack of information, or lender’s fraudulent or illegal behavior. Remember you are not obliged to accept the lender’s offers and will never be charged with any fees for rejection of the offer or your request form.

Our web-site does not include an expressed or implied offer for non-eligible individuals either to use "apoLoan.com" service or to breach your state or country’s imperative laws. For people outside the USA or non-eligible persons who want to have an access to our site are allowed to do so on their own initiative and are liable for submission with local laws. Read all.

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