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SMS Terms

  • What is PaycheckAmerica.com?
  • How to Opt-out
  • Recurring Messaging
  • Access to the Services
  • Your Mobile Telephone Number
  • Privacy
  • Age Requirements and Service Limitations
  • Changes to Terms and Conditions
  • Termination of Text Messaging
  • Disclaimer of Warranties
  • Limitation of Liability
  • Applicable Law
  • Submissions
  • Contact Us

Please read these terms and conditions carefully. By entering your mobile telephone number and checking the box as part of the submission of your loan request form on paycheckamerica.com, you expressly consent to receive non-marketing text messages from PaycheckAmerica (“Company”), at the mobile telephone number(s) that you provided on your request form. You may opt-out of these communications at any time, and consent to receive marketing text messages is not required to obtain any services on our site.

Additionally, some of the data that may be transmitted as part of this service may be governed by the Website Terms of Use, our Privacy Policy, and any other applicable terms and agreements related to your use of Company’s services.

What is PaycheckAmerica.com?

PaycheckAmerica.com who is interested in, and can potentially provide, financial assistance to a consumer, generally in the form of a loan or similar financial products. PaycheckAmerica.com, after a consumer successfully opts in to receive them via express written consent, may send text messages to consumers interested in personal financial products. Our text messages are intended to provide the consumer with information about the submission request, as well as additional goods and services that may be offered by paycheckamerica.com. We may also contact you via electronic means to provide information about your loan request or to verify your information as part of the underwriting process if you’re approved (“Subscription”). Message and data rates may apply, please check with your carrier for more details.

How to Opt-out

If you no longer wish to receive text messages from us, follow the instructions given in the message or text “STOP” to the number you received the message from, the five digit short code for the text messaging notifications from which you no longer wish to receive messages. You can also text “HELP” to the number you received the message from. You may receive confirmation of your opt-out of that text messaging program. You might also be provided with the unsubscribe link which will take you to the website where you opted-in initially. You can also unsubscribe from all future notifications from us by emailing us at contact@paycheckamerica.com.

Recurring Messaging

PaycheckAmerica.com alerts and notifications are delivered via text messaging to your mobile phone, approximately 2 message(s) a week.

Access to the Services

In order to receive these notifications, you must have a mobile communications subscription with a participating carrier, or otherwise have access to a mobile communications network through which paycheckamerica.com send these notifications, as well as any carrier services necessary to send text messages, and pay any service fees associated with any such access. YOUR CARRIER’S TEXT MESSAGING RATES WILL APPLY TO ALL TEXT MESSAGE COMMUNICATIONS MADE IN CONNECTION WITH THE SERVICES. ACCORDINGLY, ALL PRICING, BILLING, REFUND AND OTHER RELATED INQUIRIES AND SUPPORT MUST BE DIRECTED TO YOUR CARRIER’S CUSTOMER SUPPORT TEAM.

Supported Carriers include, but are not limited to: AT&T, Verizon Wireless, Sprint, T-Mobile, Alltel, CellularOne, Virgin Mobile, U.S. Cellular, Metro PCS. The wireless carriers are not liable for delayed or undelivered messages.

In addition, you must provide all equipment and software necessary to participate in the Subscription, including, but not limited to, a mobile handset or other mobile access devices that is in working order and suitable for use in connection with the Subscription.

PaycheckAmerica.com reserves the right at any time and from time to time to modify, suspend, limit the use of, discontinue or permanently cancel all or any portion of the Subscription. PaycheckAmerica.com uses reasonable efforts to ensure that its services are always available. However, there will be occasions when the services will be interrupted for maintenance, upgrades and emergency repairs or due to failure of telecommunications links and equipment that are beyond our control.

Your Mobile Telephone Number

You represent that you are the account holder for the mobile telephone number(s) that you provide on the loan request. If you are not the account holder, you represent and acknowledge that you have the express permission of the account holder to engage in the Subscription. If you change your mobile telephone number, you are responsible for notifying us immediately by emailing us at contact@paycheckamerica.com.

You agree to indemnify the Company in full for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify Company if you change your telephone number, including, but not limited to, all claims, expenses, and damages related to or arising under the Telephone Consumer Protection Act.

Privacy

Our collection of information from you, such as your mobile phone number, is subject to our Privacy Policy.

Age Requirements and Service Limitations

Consumers who opt-in for these notifications must be at least 18 years of age. By subscribing to receive our notifications, you are representing that you are at least 18 years old. We reserve the right to terminate any account upon a discovery that the consumer does not meet these minimum age requirements.

You are solely responsible for all security information relating to your Subscription and are fully responsible for all activities that occur under your mobile phone number.

Changes to Terms and Conditions

The Company may revise, modify, or amend these SMS Terms and Conditions at any time. Any such revision, modification, or amendment shall take effect when it is posted to the Company’s website. You agree to review these SMS Terms and Conditions periodically to ensure that you are aware of any changes. Your continued consent to receive PaycheckAmerica text messages will indicate your acceptance of those changes.

Termination of Text Messaging

The Company may suspend or terminate your receipt of its text messages if it believes you are in breach of these SMS Terms and Conditions. Your receipt of our text messages is also subject to termination in the event that your mobile telephone service terminates or lapses. Company reserves the right to modify or discontinue, temporarily or permanently, all or any part of Company text messages, with or without notice.

Disclaimer of Warranties

TO THE EXTENT PERMITTED BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE SERVICES, APPLICATIONS OR CONTENT THAT YOU RECEIVE FROM US, AND DISCLAIM ANY WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE. THE SERVICES OFFERED TO THE PUBLIC BY BRIDGEVIEWLENDER.COM COULD INCLUDE INACCURACIES, OTHER ERRORS OR MAY NOT FUNCTION IN THE MANNER YOU ANTICIPATED. FURTHERMORE, WE ARE NOT RESPONSIBLE FOR CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OR OMISSIONS OF OTHERS, ATMOSPHERIC CONDITIONS OR ACTS OF GOD. WE DO NOT PROMISE ERROR-FREE SERVICE. WE WILL NOT BE LIABLE FOR ANY DELAYS IN THE RECEIPT OF ANY SMS MESSAGES AS DELIVERY IS SUBJECT TO THE EFFECTIVE TRANSMISSION FROM YOUR NETWORK CARRIER.

Limitation of Liability

PaycheckAmerica.com is not responsible and will not be liable for any other damages of any nature, including any incidental, special or consequential damages (such as lost profits or lost business opportunities), punitive damages or attorney's fees.

Applicable Law

Your use of the Services under these Terms and Conditions is governed by the laws of the State of Delaware.

Submissions

Any comments, feedback, notes, messages, ideas, suggestions or other communications (collectively, “Comments”) sent by you to paycheckamerica.com shall be and remain the exclusive property of paycheckamerica.com. With the exception of personally identifiable information required to confirm your identity as the rightful requestor of changes to your loan request form, subscriptions or other customer service related requests, your submission of any such Comments shall constitute an assignment to paycheckamerica.com of all worldwide right, title, and interest in all copyrights and other intellectual property rights in the Comments. PaycheckAmerica.com will be entitled to use, reproduce, disclose, publish and distribute any Comments you submit for any purpose whatsoever, without restriction and without compensating you in any way. For this reason, we ask that you not send us any Comments that you do not wish to assign to us, including any confidential information or any original creative materials such as stories, product ideas, computer code or original artwork. You agree not to submit any Comments that may be submitted in violation of law or any agreement or obligation to keep the content of such Comments confidential. PaycheckAmerica.com expressly disclaims any interest in any Comments that you are not authorized to submit. Of course, any information you submit which personally identifies you will be subject to our Privacy Policy.

Contact Us

If you have questions regarding these SMS Terms and Conditions, please reach out to us via email at contact@paycheckamerica.com.

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Important Disclosures. Please Read Carefully.

Loans made or arranged pursuant to the Washington Consumer Loan Act.

Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

In the State of Washington, PaycheckAmerica, LLC (PaycheckAmerica) is licensed by the Department of Financial Institutions pursuant to the Washington Consumer Loan Act. PaycheckAmerica's Washington licenses can be viewed by clicking the images on the left.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited you will not be connected to a loan. You are urged to read and understand the terms of any loan offered by PaycheckAmerica, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing PaycheckAmerica or other intermediaries to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and Trans Union, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact PaycheckAmerica immediately and discuss how to handle late payments. PaycheckAmerica, LLC cannot use the criminal process against a consumer to collect any consumer loan.

The schedule of all charges and fees to be charged on deferred deposit transactions are as follows:

Amount Provided: $2000*
Fee: US$80.00
Repayment Amount: $2,361.58
APR: 25%

*See below

*The Annual Percentage Rate (“APR”) is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.

Payment example with Origination Fee: For a $2,000.00, 12-month loan, with an APR of 25%, an origination fee that will be included in the principal amount of your loan (4% of the amount you receive) of $80.00, and a twice-monthly repayment schedule, you would make 24 payments of $98.40, repaying a total of $2,361.58 for the life of the loan with a finance charge of $361.58.

Please note, notwithstanding the foregoing notice required by Washington statute, that PaycheckAmerica currently does not offer consumer loans.

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