Privacy Policy and Disclaimer — Fast Loans California
Last updated: March 2026
Lending Disclaimer
FastLoansCalifornia.com is not a lender, loan broker, or financial advisor. We are a loan connection service that connects California residents with licensed personal loan lenders holding valid California Finance Lenders (CFL) licenses from the Department of Financial Protection and Innovation (DFPI). We do not originate loans, make credit decisions, set interest rates, or determine loan terms. All loan offers you receive are from independent CFL-licensed lenders who set their own terms and conditions.
Loan amounts, interest rates, APRs, loan terms, and approval decisions are determined solely by the lenders in our network — not by Fast Loans California. APR ranges displayed on this website are estimates based on typical lender offers and may not reflect the rate you are offered. Your actual rate depends on your credit profile, income, debt-to-income ratio, and the individual lender's underwriting criteria. Rates are subject to change without notice.
- Not all applicants will qualify for a loan — approval is at the sole discretion of individual lenders
- Funding times are estimates — actual timing depends on lender and bank processing times
- California Finance Law applies to all lenders in our network — verify CFL license at the DFPI website
- This website does not provide financial, legal, or tax advice
- Always read the full loan agreement before accepting any offer
Privacy Policy
Fast Loans California collects personal information that you voluntarily provide when submitting a loan request form. This information may include: name, email address, phone number, physical address, Social Security Number (for soft credit pre-check), income information, and employment details. We collect this information for the sole purpose of matching your loan request with appropriate CFL-licensed California lenders.
How We Use Your Information: We use the information you provide to (1) match your loan request with CFL-licensed California lenders, (2) transmit your information to matched lenders for their pre-qualification review, (3) comply with applicable laws and regulations, and (4) communicate with you about your loan request status. We do not sell your personal information to unaffiliated third parties for marketing purposes unrelated to the loan matching process.
California Consumer Privacy Act (CCPA): California residents have rights under the CCPA including the right to know what personal information we collect, the right to request deletion of personal information, the right to opt-out of sale of personal information, and the right to non-discrimination for exercising CCPA rights. To exercise CCPA rights, contact us through our contact page.
- Data retention: We retain personal information for as long as necessary to comply with legal obligations and provide services
- Security: We use industry-standard encryption (SSL/TLS) to protect personal information in transit
- Third parties: Information is shared only with CFL-licensed lenders for the purpose of your loan request
- Cookies: We use cookies for website analytics and functionality — see cookie policy section below
- CCPA rights: Contact us to exercise access, deletion, or opt-out rights
California Borrower Rights
California residents applying for personal loans through our network benefit from the full protection of California law, including:
- California Financing Law (CFL) — All lenders must be DFPI-licensed and comply with disclosure requirements
- AB 539 — APR capped at 36% for personal loans between $2,500 and $10,000
- California Consumer Credit Reporting Agencies Act (CCRAA) — Enhanced credit reporting rights
- Rosenthal Fair Debt Collection Practices Act — Extended debt collection protections
- California Consumer Privacy Act (CCPA) — Data privacy and deletion rights
- Right to rescission — Certain loan types carry a 3-day cancellation right under California law
Contact for Privacy Matters
For privacy-related inquiries, CCPA requests, or questions about how your personal information is handled, please contact Fast Loans California through our contact page. Include 'Privacy Request' in the subject line. We respond to all CCPA requests within the statutory timeframe.