Terms of use

These terms apply to northlightcash.com (“Northlight”, “the site”). By using the site you agree to them. If you do not agree, please do not use the site.

Information only

Northlight publishes general information about short-term credit in the United States. We are not a lender, a loan broker or a financial adviser. Nothing on the site is an offer to lend, a commitment to lend or a promise that any lender will accept an application.

Not professional advice

The site does not give legal, tax or financial advice. It cannot take your circumstances into account. Before acting on something you read here, check it against your loan agreement and your state’s law, and consider speaking with a nonprofit credit counselor or an attorney.

Accuracy

We work from statutes and official sources and we date our pages, but laws and prices change and mistakes are possible. Figures, including those from the calculator, are examples based on legal limits or typical fees. The price you are offered is set by your lender and your agreement. The site is provided “as is”, without warranties of any kind, to the extent the law allows.

Links to other sites

We link to government agencies, nonprofits and other sources. We do not control those sites and are not responsible for what they publish or how they handle your information.

Using our content

The text, design, data tables and calculator on the site belong to Northlight or are used with permission. You may quote short passages with a link to the page. You may not republish whole pages, present our content as your own, or use automated means in a way that disrupts the site.

Messages you send

If you send us a message, you confirm that it is yours to send and that it does not include another person’s private information. Please do not send account numbers or your Social Security number.

Liability

To the extent the law allows, Northlight is not liable for losses that result from relying on the site, from a loan or other product you obtain elsewhere, or from the site being unavailable. Nothing in these terms limits rights that cannot be limited under the law of your state.

Changes

We may update these terms. The date at the top of the page shows the latest version, and continuing to use the site after a change means you accept it.

Contact

Questions about these terms go through the contact page.