Privacy Policy | California

Updated and effective: December 5, 2024

This document supplements our general Privacy Policy. For information applicable to residents of other states, including Colorado, Connecticut, Utah, and Virginia, please review our state-specific notices.

Do Not Sell My Info

California law gives residents the right to opt-out of the sale of their personal information.

Opt-Out of Sale of Personal Information: Email [email protected] with your name, address, and request, and include the request type "Right to Opt-Out " in the subject line.

Important Notice: If you opt-out, we will no longer be able to assist you in finding loans or other products/services provided by lenders or partners in our network. To receive services again, you may need to re-submit your form and authorize the sale of your information.

For targeted digital advertising, visit the Network Advertising Initiative or the Digital Advertising Alliance to manage your ad preferences.

California Privacy Policy

This California Privacy Policy supplements the general Privacy Policy of USALoanToday.com. It applies exclusively to California residents and includes additional disclosures about your rights regarding personal information ("info"). In case of any conflict between this California Privacy Policy and the general Privacy Policy, this document will govern for California residents.

For the purposes of this policy, "info" refers to information that identifies, relates to, describes, or could reasonably be associated with you or your household, as defined under the California Consumer Privacy Act (CCPA).

GLBA Exemption: Certain personal information we collect, such as financial information related to loan services, is covered by the federal Gramm-Leach-Bliley Act (GLBA) and is therefore exempt from the CCPA. This California Privacy Policy applies only to information not covered by the GLBA or other applicable federal privacy laws.

Your California Privacy Rights

California law provides you with the following rights regarding your info, subject to applicable exemptions such as those under the GLBA:

The Right to Know what personal information we collect, use, and share
The Right to Delete your personal information
The Right to Opt-Out of the sale of your personal information
The Right to Non-Discrimination when exercising these rights

Exercising Your California Privacy Rights

To exercise your privacy rights, follow the instructions below:

Unsubscribe: Use our unsubscribe form or email [email protected] with your name, address, and request, and include "Unsubscribe" in the subject line
All Other Requests: Email [email protected] with your name, address, and request, and include the request type (e.g. "Right to Know", "Right to Delete", or "Right to Opt-Out") in the subject line

Verification: We will not fulfill your request unless we can reasonably verify your identity. To do so, you may be asked to provide your name, address, and email for verification.

Authorized Agents: You may designate an authorized agent to make a request on your behalf. The agent must provide written authorization, proof of their identity, and confirmation of your permission.

Categories of Info We Collect

Below is a summary of the categories of info we may collect, why we collect it, and who we share it with:

Info Category	Examples	Do We Collect?	Purpose of Use	Where Collected	Shared With	Purpose of Sharing
Identifiers	Name, email, IP address	Yes	Provide services, market, maintain security	You, third parties	Lenders, service providers, affiliates	Facilitate loans, marketing
Protected Characteristics	Age, military status	Yes	Same as above	Same as above	Same as above	Same as above
Commercial Information	Loan preferences	Yes	Same as above	Same as above	Same as above	Same as above
Internet or Network Activity	Browsing history	Yes	Same as above	Same as above	Same as above	Same as above
Geolocation	Physical location	Yes	Same as above	Same as above	Same as above	Same as above
Inferences	Interest preferences	Yes	Same as above	Same as above	Same as above	Same as above

We do not knowingly sell the personal information of individuals under 16 years of age.

Contact Us

If you have questions about this California Privacy Policy or wish to exercise your rights, contact us at:

Email: [email protected]

Loan Today

APR Disclosure

Certain states limit the Annual Percentage Rate (APR) that lenders can charge. APRs for cash advance loans typically range from 200% to 1386%, for installment loans from 6.63% to 485%, and for personal loans from 4.99% to 450%, depending on the lender and loan type. Loans from states without APR limits or from lenders not governed by state laws may have higher APRs. The APR reflects the annual cost of your loan, including interest, fees, and repayment terms. Your lender will provide the specific APR and full loan terms before you sign any agreement. APR rates may change and are subject to lender policies.

Material Disclosure

USALoanToday.com is not a lender, does not provide loans or make credit decisions, and is not an agent, representative, or broker of any lender, nor does it endorse or charge you for any service or product. USALoanToday.com is an advertising referral service that connects consumers with independent, third-party lenders. By submitting your information, you may be matched with a lender and receive a loan offer with terms to review and accept or decline. Upon acceptance, funds could be deposited into your account as soon as the next business day .*

This website is a for-profit advertising network. We receive compensation, in the form of referral fees, from lenders, aggregators, or other offers that we direct you to. Therefore, the amount of compensation provided, along with other factors, may impact which offer you are presented. The offer you receive may be coming from the company that bid the most for your information. Compensation, along with other factors, may influence the loan offers presented. Our website does not include all companies or all available offers. The offers you receive may not always feature the best rates or terms available. We encourage you to research all available loan options to find the best solution for your financial needs. In some cases, your information may be shared with an aggregator instead of a direct lender, and it may be sold to multiple parties. Providing your information does not guarantee loan approval.

If matched with a tribal lender, be aware that tribal lenders operate under tribal and certain federal laws and may not be subject to state regulations, including usury caps. Tribal lenders may have higher rates and fees, and disputes may need to be resolved in a tribal jurisdiction. Please carefully review all terms before accepting any loan offer.

*Not all lenders can provide up to $2,500. Cash transfer times, repayment terms, and loan availability may vary by lender and state. Some faxing may be required. Loans are intended for short-term financial needs and not as a long-term solution. Residents of some states may not be eligible for certain loan products, and state availability is subject to change without notice. For questions regarding your loan, contact your lender directly.

Credit Implications

USALoanToday.com does not make credit decisions. Participating lenders may perform credit checks with one or more credit bureaus, including Experian, Equifax, and TransUnion. Credit checks or consumer reports through alternative providers may also be used by some lenders to evaluate your creditworthiness. These checks may affect your credit score.

Exclusions

Residents of Arkansas, New York, New Hampshire, Vermont, and West Virginia are not eligible to use this website or service. Additional restrictions may apply based on state laws or lender policies. Loan availability is subject to change without notice.

California