Fast Payday Loans, Inc. maintains a policy of providing consumers with the information and knowledge necessary to make informed, responsible loan decisions.

Fast Payday Loans, Inc. undertakes all collection activity in strict compliance with the provisions of the Federal Fair Debt collection Practices Act enforced by the Federal Trade Commission. Fast Payday Loans, Inc. follows all applicable laws, rules, and regulations. Applicable provisions of the Fair Debt Collection Practices Act prohibit the following:

• Contacting consumers by telephone before 8 a.m. or after 9 p.m.
• Contacting consumers by phone with the intent to annoy, harass, etc., or using abusive language at any time.
• Collecting debt through deception or misrepresentation.
• Threatening legal recourse when no legal action is intended.

Fast Payday Loans, Inc. promotes the informed use of Consumer credit by rigidly adhering to Federal regulations requiring Disclosures about loan terms and costs. Before consumers assume any obligation they will be presented, in writing, with the exact rates, fees, and other details of their payday loan as required under Federal Law.

In addition to Federal regulations, Florida also has numerous laws regulating deferred presentment transactions. These laws include, but are not limited to, regulations regarding interest rates, rollover limits, fees, charges and terms. For more details on Florida payday loan deferred presentment law, view the Florida Office of Financial Regulations website below.

Florida Office of Financial Regulations

Division of Securities and Finance

200 E. Gaines Street

Tallahassee, FL 32399

Phone: (850) 410-9805

Fax: (850) 410-9748

Website: Florida Office of Financial Regulations

Reference: Florida Statute 560.401 et seq.

Submitting your payday loan inquiry on this website incurs absolutely no obligation. Based on the inquiry you submit, a Fast Payday Loans, Inc. customer service representative will call you to discuss your payday loan needs.

As noted above, Federal Law requires disclosures about the terms and cost of consumer credit. All rate and fee information will be disclosed to you by Fast Payday Loans, Inc. at the location before you sign any agreement. You can also view an example of our Rates and Fees by clicking this link. Please review all the rate information provided to you by our customer service representative thoroughly and completely before signing any agreement. You are under no obligation to accept the terms provided by Fast Payday Loans, Inc.

Should an unexpected emergency arise which prevents you from making your payment on time, our loan representatives at Fast Payday Loans, Inc. are trained to work with you on establishing payment arrangements in accordance with state regulations.

Fast Payday Loans, Inc. representatives are highly trained to work with you to establish payment arrangements in accordance with state regulations to allow you to fulfill your payday loan obligations.

Florida state law requires a 24 hour cooling off period after paying off your payday loan. In Florida, there are no extensions. After the 24 hours, you may re-apply for another payday loan.

There exists a common misconception that a poor credit history may result in a higher interest rate for payday loans. With Fast Payday Loans, Inc. your credit score does not affect the interest rate, fees or charges determined for a payday loan.

Non-Discrimination Policy: In accordance with federal law, this institution prohibits and does not tolerate discrimination towards applicants, prospective applicants, individuals with whom an applicant is affiliated, or customers on the basis of race, color, religion, national origin, sex, age, marital status, public-assistance status, exercise of rights under the Consumer Credit Protection Act, or other protected classification. This policy applies throughout the loan process, from prequalification to application, underwriting, closing, funding and servicing. For more information, please call the Compliance Department at 770.552.9840.

SMS/Text Message Terms & Conditions

By opting in to receive SMS text messages, you authorize Fast Payday Loans, Inc. (“we” or “us”) with express consent to send you text messages about your loan, such as payment reminders. In doing so, you agree and expressly consent to be contacted by us, our agents, employees, and/or affiliates through the use telephone calls and/or SMS text messages to any cellular number you provide in conjunction with your account, including contacts through the use of automatic telephone dialing systems, autodialers, or an artificial or prerecorded voice.

Your cellular provider's message and data rates may apply to our SMS messages.

Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider's name, the date and time, and content of your messages. Data we provide to you may include account information, payment amount or due dates, and other information personal to you. Some of the text messages we send may include links to websites. To access these websites, you will need a web browser and Internet access on your cellular device. Downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan.

We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator.

Opting-Out to Stop Text Messaging

If you wish to stop receiving text messages from us, type STOP in the reply text you send us or, if available, access any opt-out link at the bottom of the text message. Your stop request will become effective within one day.

SMS Help or Support

For help or additional information regarding our texting services email us at webquestions@clacorp.com, call us at 800-922-8803, or reply "HELP" to the message you receive at any time from your mobile device.