Terms of Use

Effective Date: November 11, 2026

These Terms of Use (“Terms”) apply to tcaloans.com and its pages (the “Website”), operated by TCA Financial (“TCA Financial”, “we”, “us” or “our”). By using the Website you agree to these Terms. If you do not agree, please do not use the Website.

1. What the Website is

TCA Financial is not a lender, loan broker or agent for any lender or loan broker. We do not make loans or credit decisions. The Website offers free educational articles about short-term credit and personal finance, and an advertising referral service that can pass a loan request you submit to one or more independent, participating lenders.

Submitting a request does not guarantee that you will be contacted by a lender or offered a loan. Approval is not guaranteed, and you are under no obligation to accept any offer. Any loan is made by the lender under the lender’s own agreement, which governs that loan. Read the lender’s rate, fees and terms before you sign.

2. Who may use the Website

You must be at least 18 years old and a resident of the United States to submit a loan request. Residents of Arkansas, Connecticut, Georgia, Illinois, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Vermont or West Virginia are not eligible to use the referral service. Residents of some other states may not be eligible for some or all short-term, small-dollar loans. The service is void where prohibited, and the states served may change without notice.

3. Information you provide

You agree that the information you submit is true, accurate and your own, and that you will not submit a request on behalf of another person without their permission. How we collect, use and share your information, including with participating lenders, is described in our Privacy Policy and Marketing Practices, which form part of these Terms.

4. How we are paid

We do not charge you to use the Website. Any compensation we receive is paid by participating lenders for advertising services, and it may affect which lenders are shown to you. See our Advertiser Disclosure and Material Disclosure.

5. Educational content is not advice

Articles on the Website are written by the TCA Financial Editorial Team for general information only. They are not legal, tax or financial advice, and laws, rates and lender policies change. Check current rules with your state regulator or a qualified professional before you rely on them. Our Editorial Policy explains how we research and review our guides.

6. Acceptable use

You agree not to: use the Website for any unlawful purpose; submit false or fraudulent information; interfere with the Website’s security or operation; use automated tools to scrape or copy the Website in bulk; or try to gain unauthorized access to any part of the Website or its systems.

7. Intellectual property

The Website’s text, graphics, logos and design belong to TCA Financial or its licensors and are protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use. Any other copying, republishing or distribution requires our written permission.

8. Third-party sites and lenders

The Website may link to or pass you to sites run by lenders and other third parties. We do not control and are not responsible for their content, offers, terms, privacy practices or actions. Your dealings with a lender are solely between you and that lender.

9. Disclaimer of warranties

The Website and its content are provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose and non-infringement, to the fullest extent permitted by law. We do not warrant that the Website will be uninterrupted or error free.

10. Limitation of liability

To the fullest extent permitted by law, TCA Financial will not be liable for any indirect, incidental, special or consequential damages arising from your use of the Website or from any loan, offer or communication from a third-party lender. Some states do not allow these limitations, so they may not apply to you.

11. Changes to these Terms

We may update these Terms from time to time. The effective date above shows when they last changed. Continuing to use the Website after a change means you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of the State of California and applicable federal law, without regard to conflict-of-law rules. Nothing in these Terms limits any right you have under the consumer protection laws of your state.

13. Contact

Questions about these Terms: email [email protected] or write to TCA Financial, 600 B St., San Diego, CA 92101.