Terms of Use

Introduction

Welcome to LV Quick Loans. These Terms of Use (“Terms”) govern your use of our website, services, and loan products. By accessing our website or applying for our services, you agree to be bound by these Terms and our Privacy Policy.

LV Quick Loans is a licensed lender operating in Las Vegas, Nevada, and surrounding areas, providing online loan services including payday loans, installment loans, personal loans, title loans, tribal loans, allotment loans, and emergency loans.

Acceptance of Terms

By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website or services.

These Terms constitute a legally binding agreement between you and LV Quick Loans. Your continued use of our services indicates your acceptance of any modifications to these Terms.

Eligibility Requirements

To use our services, you must meet the following requirements:

General Eligibility

• Be at least 18 years of age
• Be a legal resident of Nevada
• Have a valid Social Security number
• Possess a valid government-issued photo ID
• Maintain an active checking account
• Have a steady source of income
• Provide accurate and complete information

Loan-Specific Requirements

Different loan types may have additional eligibility requirements:

• Title Loans: Must own a vehicle with clear title
• Allotment Loans: Must be a federal or postal employee
• Tribal Loans: Subject to tribal lending regulations
• Personal/Installment Loans: May require income verification

Website Use and Restrictions

Permitted Use

You may use our website to:

• Research loan products and services
• Submit loan applications
• Access your account information
• Communicate with customer service
• Review terms, rates, and fees

Prohibited Activities

You agree not to:

• Provide false, misleading, or inaccurate information
• Use automated systems to access our website (bots, scrapers, etc.)
• Attempt to gain unauthorized access to our systems
• Upload viruses, malware, or harmful code
• Violate any applicable laws or regulations
• Interfere with other users’ access to our services
• Use our services for illegal or fraudulent purposes

Loan Application Process

Application Submission

When you submit a loan application:

• You certify that all information provided is true and accurate
• You authorize us to verify the information through third parties
• You consent to credit checks and background verification
• You understand that submission does not guarantee approval
• You agree to provide additional documentation if requested

Approval and Funding

• Loan approval is at our sole discretion
• Approved loans are subject to final verification
• Funding timelines are estimates, not guarantees
• We reserve the right to modify or withdraw offers
• Interest rates and terms may vary based on creditworthiness

Loan Terms and Conditions

General Loan Terms

• Loan agreements are separate contracts with specific terms
• Interest rates, fees, and repayment schedules vary by loan type
• All loans are subject to Nevada lending regulations
• Prepayment is permitted without penalty
• Late payments may incur additional fees

Repayment Obligations

You agree to:

• Make timely payments according to your loan agreement
• Maintain sufficient funds in your designated account
• Notify us immediately of any changes to your contact or banking information
• Contact us if you experience financial hardship

Fees and Charges

Loan-Related Fees

• Origination fees (if applicable)
• Late payment fees
• Insufficient funds fees
• Third-party verification fees

No Hidden Fees

We provide full disclosure of all fees and charges before you accept any loan offer. Additional fees may apply for:

• Payment processing
• Document preparation
• Account maintenance
• Collection activities

Privacy and Data Protection

Information Collection

We collect personal and financial information as described in our Privacy Policy, including:

• Contact and identification information
• Financial and employment data
• Credit and banking information
• Website usage and device data

Information Security

We implement industry-standard security measures to protect your information, but cannot guarantee absolute security of data transmitted over the internet.

Intellectual Property

Our Content

All content on our website, including text, graphics, logos, images, and software, is owned by LV Quick Loans or our licensors and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal, non-commercial purposes in accordance with these Terms.

Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Create derivative works based on our website or services
• Reverse engineer or decompile any software

Third-Party Services

Lender Network

We may connect you with third-party lenders who have their own terms and conditions. Your relationship with these lenders is governed by their agreements, not these Terms.

External Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of external sites and recommend reviewing their terms and privacy policies.

Disclaimers and Limitations

Service Availability

We strive to maintain continuous website availability but do not guarantee uninterrupted service. We may suspend or modify services for maintenance, updates, or other business reasons.

No Warranty

Our website and services are provided “as is” without warranties of any kind, either express or implied, including but not limited to:

• Merchantability or fitness for a particular purpose
• Accuracy or completeness of information
• Security or error-free operation
• Uninterrupted service availability

Limitation of Liability

To the maximum extent permitted by law, LV Quick Loans shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages exceeding the amount you paid for our services
• Third-party actions or omissions

Dispute Resolution

Nevada Law

These Terms are governed by Nevada state law without regard to conflict of law principles.

Arbitration Agreement

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in Clark County, Nevada, rather than court litigation, except for:

• Small claims court matters
• Injunctive relief requests
• Debt collection actions

Class Action Waiver

You agree to resolve disputes individually and waive the right to participate in class actions, collective actions, or representative proceedings.

Modification of Terms

Right to Modify

We reserve the right to modify these Terms at any time. Material changes will be communicated through:

• Posted notice on our website
• Email notification (if we have your email address)
• Account notifications for existing customers

Acceptance of Changes

Your continued use of our services after modifications constitutes acceptance of the updated Terms. If you disagree with changes, you must discontinue using our services.

Account Management

Account Security

You are responsible for:

• Maintaining the confidentiality of your account information
• All activities that occur under your account
• Immediately notifying us of unauthorized access
• Using strong passwords and security practices

Account Suspension

We may suspend or terminate your account for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of loan obligations
• Providing false information

Communication and Notices

Electronic Communications

By using our services, you consent to receive communications electronically, including:

• Loan documents and agreements
• Account statements and notices
• Marketing materials (with opt-out options)
• Legal and regulatory notifications

Contact Information

You must maintain current contact information and notify us of any changes within 30 days.

Regulatory Compliance

Nevada Licensing

LV Quick Loans is licensed by the Nevada Financial Institutions Division and complies with:

• Nevada Revised Statutes Chapter 604A
• Truth in Lending Act (TILA)
• Fair Credit Reporting Act (FCRA)
• Equal Credit Opportunity Act (ECOA)
• Electronic Fund Transfer Act (EFTA)

Consumer Rights

Nevada residents have specific rights under state law, including:

• Right to receive clear loan terms disclosure
• Right to prepay loans without penalty
• Right to file complaints with state regulators
• Protection against discriminatory lending practices

Termination

Termination by You

You may terminate your relationship with us at any time by:

• Paying off all outstanding loan balances
• Closing your account
• Requesting account deletion (subject to record retention requirements)

Termination by Us

We may terminate your access to our services for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of obligations
• Business or regulatory reasons

Survival of Terms

The following provisions survive termination of these Terms:

• Payment obligations
• Intellectual property rights
• Limitation of liability
• Dispute resolution procedures
• Regulatory compliance requirements

Contact Information

For questions about these Terms or our services, contact us by email [email protected].

Regulatory Contacts

For complaints or regulatory concerns:

Nevada Financial Institutions Division
2785 N. Tenaya Way, Suite 200
Las Vegas, NV 89128
Phone: (702) 486-4120
Website: www.nfid.nv.gov

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These Terms of Use are effective as of September 25, 2025 and govern all use of LV Quick Loans services and website.