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.

Frequently Asked Questions

Is Fast Loans California a lender?

No. FastLoansCalifornia.com is a loan connection service, not a lender. We connect California residents with personal loan lenders holding valid California Finance Lenders (CFL) licenses from the DFPI. We do not originate loans, set interest rates, or make credit decisions.

How does Fast Loans California use my personal information?

We use your submitted information to match your loan request with appropriate CFL-licensed California lenders. Your information is transmitted to matched lenders for pre-qualification review. We do not sell your data to unaffiliated third parties for unrelated marketing purposes.

Do I have CCPA rights with Fast Loans California?

Yes. As a California resident, you have rights under the California Consumer Privacy Act (CCPA) including the right to know what information we collect, request deletion of your data, and opt out of sale of personal information. Contact us through our contact page to exercise these rights.

How do I opt out of having my information shared with lenders?

If you have submitted a loan request and no longer wish to be contacted by lenders, contact Fast Loans California immediately through our contact page with your request. Note that once your information has been transmitted to a specific lender, that lender's own privacy policy and data practices govern their use of your information.

Is my information secure on Fast Loans California?

Yes. We use SSL/TLS encryption for all data transmitted through our website. Personal information including Social Security Numbers and financial data is protected using industry-standard security measures. We do not store full SSN data longer than necessary for the loan matching process.