Agreeing to these terms
These Terms of Service govern your use of frontpaycashapp.com and any product offered through it by FrontPay Cash, LLC ("FrontPay", "we", "us"). By using the site or submitting an application you agree to them. If you do not agree, do not use the site.
These terms are separate from the credit agreement for any specific product. Where the two conflict, the credit agreement you signed governs that loan.
Who may apply
To apply you must:
- be at least 18 years old, or 19 in Alabama and Nebraska;
- be a US citizen or permanent resident with a Social Security number or ITIN;
- reside in a state where the product you are applying for is offered and lawful;
- hold a checking account in your own name, open at least 60 days, that can be linked electronically;
- receive recurring electronic deposits meeting the income requirement for that product;
- apply on your own behalf. Applications made for another person are prohibited.
Meeting these requirements does not entitle you to credit. Approval is never guaranteed and depends on verification, creditworthiness where applicable, and ability to repay.
Your account
You are responsible for the accuracy of the information you give us and for keeping your login credentials secure. Tell us promptly if your contact details change or you believe your account has been accessed without authorisation.
We may suspend or close an account where we reasonably suspect fraud, misrepresentation, or misuse of the service. We will tell you when we do so unless prevented by law.
Electronic communications
By using the service you consent to receive agreements, disclosures and notices electronically. This consent is described in full in our E-Sign Consent, which you should read before applying.
You may also receive calls and text messages about your application or account at the number you provide. Consent to marketing messages is not a condition of obtaining credit. Message and data rates may apply. Reply STOP to opt out of marketing texts; service messages about an active account may continue.
Products and terms
We offer four products: the FrontPay Advance, FrontPay Flex, the FrontPay Installment Loan and the FrontPay Credit Line. Amounts range from $200 to $5,000. Availability, maximum amounts, rates, fees and terms vary by state and by applicant.
Before you accept any offer you will receive the disclosures required by the federal Truth in Lending Act, including the annual percentage rate, finance charge, amount financed, total of payments and payment schedule. Figures shown anywhere on this site are illustrations, not offers.
Membership. The FrontPay Advance requires an active membership at $14.99 per month, which renews until cancelled. Cancellation takes effect immediately and can be done from your account page or by emailing support. Cancelling does not extinguish any outstanding balance.
Payments and your authorisation
When you accept an offer you authorise us to debit the linked account for the scheduled payments in your credit agreement. Payments are timed to your deposit pattern or to a date you select.
You may revoke this authorisation by giving us at least three business days' notice before a scheduled payment. Revoking authorisation does not cancel the debt; you remain responsible for repaying it by another method we accept.
You may pay off any balance early at any time with no prepayment penalty. On interest-bearing products you pay only interest accrued to the date of payoff.
Late payment and default
If a scheduled payment fails we will not charge you a returned-payment fee, though your own financial institution may. Contact us before a due date and we will move the payment at no cost.
- Advance and Flex: no late fee. A missed Advance is not sold to a third party, is not referred to a debt collector, and is not reported to a credit bureau.
- Installment Loan and Credit Line: a late charge of the lesser of $15 or 5% of the payment may apply where state law permits. These products are reported to the major credit bureaus, and late or missed payments may harm your credit.
Continued non-payment may result in suspension of further borrowing and, on reported products, in collection activity consistent with applicable law.
Prohibited use
You agree not to use the service to submit false information, apply on another person's behalf, attempt to gain unauthorised access to our systems, scrape or copy the site, or use it for any unlawful purpose.
Bank account connection
Linking an account grants read-only access to transaction history through an encrypted third-party connection. We do not receive or store your banking credentials. You may disconnect the link from your account page, though we may require an alternative means of verification or repayment before doing so on an open balance.
Intellectual property
The site, its content, design and marks are owned by FrontPay Cash, LLC or its licensors. You may view and print pages for personal, non-commercial use. Any other reproduction requires our written permission.
Third-party offers
Some pages display offers from third-party advertisers, and we may be compensated when you sign up through those links. Those products are provided by the third party on its own terms. We do not underwrite, endorse or take responsibility for them, and you should read their terms before applying.
Disclaimers
The site and its content are provided "as is". Calculators, examples and estimates are for illustration only. We do not warrant that the site will be uninterrupted or error-free, and we are not your financial, tax or legal adviser. Nothing on the site is financial advice.
Limitation of liability
To the maximum extent permitted by law, FrontPay is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, arising from your use of the site. Our aggregate liability arising out of these terms is limited to the greater of $100 or the total fees you paid us in the twelve months before the claim arose. Some states do not allow certain limitations, in which case they apply only to the extent permitted.
Dispute resolution and arbitration
Please read this section carefully. It affects how disputes are resolved and may limit your right to go to court or take part in a class action.
Except for claims that may be brought in small claims court, disputes arising out of these terms or your use of the service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, which are published at adr.org, rather than in court, and not on a class or representative basis.
You may reject this arbitration agreement by sending written notice to [email protected] within 60 days of first accepting these terms, stating your name and that you reject arbitration. Rejecting it will not affect any other part of your relationship with us and will not affect a credit decision.
Governing law
These terms are governed by the laws of the State of Utah, without regard to conflict-of-law rules, except where the law of your state of residence must apply to a consumer credit transaction. Nothing here waives any right you have under the consumer protection law of your state.
Changes to these terms
We may update these terms. The version in force is the one published here, with the date shown at the top of the page. Material changes will be notified to account holders by email at least 30 days before they take effect. Continuing to use the service after that date constitutes acceptance.
Contact
FrontPay Cash, LLC, Midvale, UT 84047, United States. Email [email protected].
If we cannot resolve a complaint, you may contact the Consumer Financial Protection Bureau or your state financial regulator.