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Licenses, Terms and Conditions per State

Please select your home state to view the terms, conditions, and license for your location.




Florida Terms and Conditions


Truth in Lending Act | Patriot Act | Notice | Florida License


Zoom Loan LLC DBA Zoompayday.com wants that you, our customer, be fully aware and informed of all Terms and Conditions of our policies, as well as all Federal and State regulations required by the law.

Governing Law
The loan agreement will be governed by the Florida applicable laws. Questions or complaints should be directed to: Office of Financial Regulation, 1-850-410-9805. www.myflorida.gov.

Maximum Loan Amount
The maximum loan amount for Florida residents is $500 and the permitted loan period is a minimum of 7 days and a maximum of 31 days.


FEDERAL DISCLOSURE REQUIREMENTS

Regulation Z: Federal Law requires the full disclosure of all costs and terms associated with any credit purchases or transactions (such as our payday loan program) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R.

For each transaction, the creditor shall disclose the following information as applicable: Creditor. The identity of the creditor making the disclosures.
Amount financed. The amount financed, using that term, and a brief description such as the amount of credit provided to you or on your behalf.
Itemization of amount financed. (1) A separate written itemization of the amount financed, including:
(i) The amount of any proceeds distributed directly to the consumer.
(ii) The amount credited to the consumer's account with the creditor.
(iii) Any amounts paid to other persons by the creditor on the consumer's behalf. The creditor shall identify those persons.
(iv) The prepaid finance charge.
*The creditor need not comply with this section if the creditor provides a statement that the consumer has the right to receive a written itemization of the amount financed, together with a space for the consumer to indicate whether it is desired, and the consumer does not request it.
Finance charge. The finance charge, using that term, and a brief description such as "the dollar amount the credit will cost you."
Annual percentage rate. The annual percentage rate, using that term, and a brief description such as "the cost of your credit as a yearly rate."
Payment schedule. The number, amounts, and timing of payments scheduled to repay the obligation.
Total of payments. The total of payments, using that term, and a descriptive explanation such as "the amount you will have paid when you have made all scheduled payments."
Prepayment. (1) When an obligation includes a finance charge computed from time to time by application of a rate to the unpaid principal balance, a statement indicating whether or not a penalty may be imposed if the obligation is prepaid in full.

Regulation B: The federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, martial status, age (provided the applicant has the capacity to enter into a binding contract); because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580 (Reg. B 202.9(b)).
Zoompayday.com, will not discriminate anyone based upon any of the above factors. In addition, Zoompayday.com will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.


PATRIOT ACT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a payday loan account. When you open a payday loan account we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification and verification requirements. The information in no way will be used in making the credit decision on your completed application.

NOTICE

1. STATE LAW PROHIBITS YOU FROM HAVING MORE THAN ONE DEFERRED PRESENTMENT AGREEMENT AT ANY ONE TIME. STATE LAW ALSO PROHIBITS YOU FROM ENTERING INTO A DEFERRED PRESENTMENT AGREEMENT. FAULIRE TO OBEY THIS LAW COULD CREATE SEVERE FINANCIAL HARDSHIP FOR YOU AND YOUR FAMILY.

2. YOU CANNOT BE PROSECUTED IN CRIMINAL COURT FOR A CHECK WRITTEN UNDER THIS AGREEMENT, BUT ALL LEGALLY AVAILABLE CIVIL MEANS TO ENFORCE THE DEBT MAY BE PURSUED AGAINST YOU.

3. STATE LAWS PROHIBITS DEFERRED PRESENTMENT PROVIDER (THIS BUSINESS) TRANSACTION ALLOWING YOU TO "ROLL OVER" YOU DEFERRED PRESENTMENT TRANSACTION. THIS MEANS THAT YOU CAN NOT BE ASKED OR REQUIRED TO PAY AN ADDITIONAL FEE IN ORDER TO FURTHER DELAY THE DEPOSIT OR PRESENTMENT OF YOUR CHECK FOR PAYMENT, IF YOU INFORM THE PROVIDER IN PERSON THAT YOU CANNOT COVER THE CHECK OR PAY IN FULL THE AMOUNT OWING AT THE END OF THE TERM OF THIS AGREEMENT, YOU WILL RECEIVE A GRACE PERIOD EXTENDING THE TERM OF THE AGREEMENT FOR AN ADDITIONAL 60 DAYS AFTER THE ORIGINAL TERMINATION DATE, WITHOUT ANY ADDITIONAL CHARGE. THE DEFERRED PRESENTMENT PROVIDER SHALL REQUIRE THAT YOU, AS A CONDITION OF OBTAINING THE GRACE PERIOD, COMPLETE CONSUMER CREDIT COUNSELING PROVIDED BY AN AGENCY INCLUDED ON THE LIST THAT WILL BE PROVIDED TO YOU BY THIS PROVIDER. YOU MAY ALSO AGREE TO COMPLY WITH AND ADHERE TO A REPAYMENT PLAN APPROVED BY THAT AGENCY, IF YOU DO NO COMPLY WITH AND ADHERE TO A REPAYMENT PLAN APPROVED BY THAT AGENCY, WE MAY DEPOSIT OR PRESENT YOUR CHECK FOR PAYMENT AND PURSUE ALL LEGALLY AVAILABLE CIVIL MEANS TO ENFORCE THE DEBT AT THE END OF THE 60-DAY GRACE PERIOD.

*LICENSED WITH THE FLORIDA DEPARTMENT OF FINANCIAL & PROFESSIONAL REGULATION, DIVISION OF FINANCIAL INSTITUTIONS*

Illinois Terms and Conditions


Truth in Lending Act | Patriot Act | Illinois License


Zoom Loan LLC DBA Zoompayday.com wants that you, our customer, be fully aware and informed of all Terms and Conditions of our policies, as well as all Federal and State regulations required by the law.

Governing Law
The loan agreement will be governed by the Illinois applicable laws. Questions or complaints should be directed to: Illinois Department of Financial & Professional Regulation, Division of Financial Institutions, Consumer Credit Section, 100 W. Randolph Suite 9-100, Chicago, IL 60601 Phone: 1-888-298-8089, www.idfpr.com

Illinois Pamphlets: English and Spanish.

Illinois Disclosure
  • This loan is not intended to meet long-term financial needs. This loan should only be used to meet short-term needs. The cost of your loan may be higher than loans offered by other lending institutions.
  • This loan is regulated by the Department of Financial Professional Regulation.
  • You cannot be prosecuted in criminal court to collect this loan.

Interest-Free Payment Plan
If you still owe on one or more payday loans after 35 days, you are entitled to enter into a repayment plan. The repayment plan will give you at least 55 days to repay your loan in installments with no additional finance charges, interest, fees or other charges of any kind.

Maximum Loan Amount
The maximum loan amount for Illinois residents will be 25% of gross monthly income or $1,000.00, whichever is less.


FEDERAL DISCLOSURE REQUIREMENTS

Regulation Z: Federal Law requires the full disclosure of all costs and terms associated with any credit purchases or transactions (such as our payday loan program) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R.

For each transaction, the creditor shall disclose the following information as applicable: Creditor. The identity of the creditor making the disclosures.
Amount financed. The amount financed, using that term, and a brief description such as the amount of credit provided to you or on your behalf.
Itemization of amount financed. (1) A separate written itemization of the amount financed, including:
(i) The amount of any proceeds distributed directly to the consumer.
(ii) The amount credited to the consumer's account with the creditor.
(iii) Any amounts paid to other persons by the creditor on the consumer's behalf. The creditor shall identify those persons.
(iv) The prepaid finance charge.
*The creditor need not comply with this section if the creditor provides a statement that the consumer has the right to receive a written itemization of the amount financed, together with a space for the consumer to indicate whether it is desired, and the consumer does not request it.
Finance charge. The finance charge, using that term, and a brief description such as "the dollar amount the credit will cost you."
Annual percentage rate. The annual percentage rate, using that term, and a brief description such as "the cost of your credit as a yearly rate."
Payment schedule. The number, amounts, and timing of payments scheduled to repay the obligation.
Total of payments. The total of payments, using that term, and a descriptive explanation such as "the amount you will have paid when you have made all scheduled payments."
Prepayment. (1) When an obligation includes a finance charge computed from time to time by application of a rate to the unpaid principal balance, a statement indicating whether or not a penalty may be imposed if the obligation is prepaid in full.

Regulation B: The federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, martial status, age (provided the applicant has the capacity to enter into a binding contract); because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580 (Reg. B 202.9(b)).
Zoompayday.com, will not discriminate anyone based upon any of the above factors. In addition, Zoompayday.com will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.


PATRIOT ACT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a payday loan account. When you open a payday loan account we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification and verification requirements. The information in no way will be used in making the credit decision on your completed application.

*LICENSED WITH THE ILLINOIS DEPARTMENT OF FINANCIAL & PROFESSIONAL REGULATION, DIVISION OF FINANCIAL INSTITUTIONS*

Indiana Terms and Conditions


Truth in Lending Act | Patriot Act | Indiana License


Zoom Loan LLC DBA Zoompayday.com wants that you, our customer, be fully aware and informed of all Terms and Conditions of our policies, as well as all Federal and State regulations required by the law.

Governing Law
The loan agreement will be governed by the Indiana applicable laws. Questions or complaints should be directed to: Indiana Department of Financial Institutions, 30 S. Meridian Street, Suite 300, Indianapolis, Indiana 46204, www.in.gov/dfi.

Maximum Loan Amount
The maximum loan amount for Indiana residents is $550 (cannot exceed 20% of monthly gross income, including fees) and the permitted loan period is a minimum of 14 days.

Indiana Disclosures
Indiana small loan law borrowers rights and responsibilities


FEDERAL DISCLOSURE REQUIREMENTS

Regulation Z: Federal Law requires the full disclosure of all costs and terms associated with any credit purchases or transactions (such as our payday loan program) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R.

For each transaction, the creditor shall disclose the following information as applicable: Creditor. The identity of the creditor making the disclosures.
Amount financed. The amount financed, using that term, and a brief description such as the amount of credit provided to you or on your behalf.
Itemization of amount financed. (1) A separate written itemization of the amount financed, including:
(i) The amount of any proceeds distributed directly to the consumer.
(ii) The amount credited to the consumer's account with the creditor.
(iii) Any amounts paid to other persons by the creditor on the consumer's behalf. The creditor shall identify those persons.
(iv) The prepaid finance charge.
*The creditor need not comply with this section if the creditor provides a statement that the consumer has the right to receive a written itemization of the amount financed, together with a space for the consumer to indicate whether it is desired, and the consumer does not request it.
Finance charge. The finance charge, using that term, and a brief description such as "the dollar amount the credit will cost you."
Annual percentage rate. The annual percentage rate, using that term, and a brief description such as "the cost of your credit as a yearly rate."
Payment schedule. The number, amounts, and timing of payments scheduled to repay the obligation.
Total of payments. The total of payments, using that term, and a descriptive explanation such as "the amount you will have paid when you have made all scheduled payments."
Prepayment. (1) When an obligation includes a finance charge computed from time to time by application of a rate to the unpaid principal balance, a statement indicating whether or not a penalty may be imposed if the obligation is prepaid in full.

Regulation B: The federal Equal Credit Opportunity Act (ECOA) prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, martial status, age (provided the applicant has the capacity to enter into a binding contract); because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity Division, Washington, DC 20580 (Reg. B 202.9(b)).
Zoompayday.com, will not discriminate anyone based upon any of the above factors. In addition, Zoompayday.com will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.


PATRIOT ACT

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens a payday loan account. When you open a payday loan account we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

The information being requested and observed is for compliance with the requirements of Section 326 of the USA Patriot Act implementing customer identification and verification requirements. The information in no way will be used in making the credit decision on your completed application.

*LICENSED WITH THE INDIANA DEPARTMENT OF FINANCIAL & PROFESSIONAL REGULATION, DIVISION OF FINANCIAL INSTITUTIONS*

IMPORTANT NOTICE: For your protection, ZoomPayday is bonded, insured, licensed and subject to state regulation. This service does not constitute an offer or solicitation for short-term loans in all states. Zoompayday.com will provide services only in those states were it has been licensed by the State; the states serviced may change from time to time without notice. If you do no want to enter into a loan agreement subject to the licensed state laws, you should apply for a pay day loan at a lender located in the state where you reside. All aspects and transactions on this site will be deemed to have taken place in the licensed states regardless of where you may have viewed this site.