Terms of Use

Terms of Service — Fast Loans California

Last updated: March 2026

Terms of Service

These Terms of Service govern your use of FastLoansCalifornia.com and the loan connection services we provide. By using this website or submitting a loan request, you agree to these terms. Please read them carefully before using our service.

FastLoansCalifornia.com is a loan connection service, not a lender. We connect California residents with California Finance Lenders (CFL)-licensed personal loan lenders. We do not make credit decisions, originate loans, or set loan terms.

Service Description

Fast Loans California operates as a loan connection service (also known as a lead generator or loan marketplace). Our service is designed to connect California residents seeking personal loans with CFL-licensed lenders who may offer loan products meeting their needs. By submitting a loan request through our website:

  • You authorize Fast Loans California to share your submitted information with CFL-licensed California lenders for the purpose of pre-qualification review
  • You understand that Fast Loans California is not a lender and does not guarantee any loan approval, specific interest rate, or loan terms
  • You understand that lenders in our network conduct their own credit and income verification
  • You authorize lenders to perform a soft credit inquiry (no score impact) for initial pre-qualification
  • You acknowledge that a hard credit inquiry will occur only if you formally accept and apply with a specific lender

Eligibility

To use FastLoansCalifornia.com, you must: (1) be a California resident with an active California address; (2) be at least 18 years of age; (3) have an active US bank account; and (4) provide accurate, truthful information in your loan request submission. Providing false information in a loan application may constitute loan fraud under California law.

No Guarantee of Loan Approval

Fast Loans California does not guarantee that any user will receive a loan offer or loan approval. Lender availability, qualification criteria, and loan terms vary by lender and are subject to change without notice. APR ranges displayed on this website are estimates only. Your actual rate and terms, if you receive an offer, are determined solely by the individual lender based on their underwriting criteria.

Governing Law

These Terms of Service are governed by the laws of the State of California. Any disputes arising from use of FastLoansCalifornia.com shall be subject to the jurisdiction of California courts. All personal loan offers you receive through our service are from CFL-licensed lenders operating under California Finance Law and subject to DFPI oversight.

  • California Financing Law (CFL) — governs all personal loan lenders in our network
  • California Consumer Privacy Act (CCPA) — governs data privacy rights of California residents
  • AB 539 — APR caps for loans $2,500–$10,000 apply to all CFL-licensed lenders
  • DFPI — regulates and supervises all California Finance Lenders in our network

Frequently Asked Questions

What are the terms for using Fast Loans California?
By using FastLoansCalifornia.com, you agree that we may share your submitted information with CFL-licensed California lenders for pre-qualification purposes. You must be a California resident, 18 or older, with an active bank account. We are a connection service — not a lender — and cannot guarantee loan approval or specific terms.
Does using Fast Loans California commit me to accepting a loan?
No. Submitting a loan request through Fast Loans California creates no obligation to accept any loan offer. You are free to review all offers and decline to proceed. A formal commitment only occurs when you electronically sign a loan agreement with a specific lender after completing their full application.
What law governs Fast Loans California?
FastLoansCalifornia.com operates under California state law. All lenders in our network hold California Finance Lenders (CFL) licenses from the DFPI and operate under the California Financing Law. Personal information is governed by the California Consumer Privacy Act (CCPA).
Can I use Fast Loans California if I am not a California resident?
No. FastLoansCalifornia.com is exclusively designed for California residents. Our lender network consists of CFL-licensed California lenders operating under California Finance Law. Non-California residents cannot use this service.
Where can I find the privacy policy?
The Fast Loans California privacy policy is available at fastloanscalifornia.com/privacy/. It covers how we collect, use, and protect your personal information and outlines your California Consumer Privacy Act (CCPA) rights.