Effective: 05.06.2025
1. Agreement to Terms
By using ONI: PayDay Cash Advance, you agree to these Terms. If you don’t agree, don’t use the app.
2. Services
ONI: PayDay Cash Advance is a direct lending app that offers short-term cash advances to eligible U.S. users.
3. Eligibility
You must:
- Be 18+ and a U.S. resident
- Have a valid SSN and checking account
- Have a regular income
- Meet other approval criteria
4. Your Responsibilities
You’re responsible for your account and agree not to:
- Share your login credentials
- Provide false information
- Use the app for illegal purposes
5. Loan Terms
When approved, you'll receive:
- Loan amount
- Interest and fees
- Repayment schedule
- Total repayment amount
- Late fees and default terms
Read and agree to the loan agreement before accepting.
6. Credit Authorization
You allow us to check your credit and verify your info with third-party providers.
7. Electronic Communication & Signatures
You agree to receive all documents and communications electronically and consent to using e-signatures, which carry the same legal weight as handwritten ones.
8. Intellectual Property
ONI: PayDay Cash Advance and its content are owned by ONI SAME DAY LOAN & AUTO SALES INC. You’re granted limited rights to use the app as intended.
9. Disclaimers
We provide the app “as is.” We do not guarantee uninterrupted service or error-free operation.
10. Limitation of Liability
We’re not responsible for indirect or consequential damages. Our maximum liability is limited to the amount of your loan (if any).
11. Legal Jurisdiction
These Terms are governed by the laws of [State], and any disputes will be resolved in the courts of [County, State].
12. Privacy Policy
By using ONI: PayDay Cash Advance, you also agree to our Privacy Policy.
13. Updates to Terms
We may update these Terms. Material changes will be posted in-app or via email. Continued use means acceptance.
14. Contact Us
ONI SAME DAY LOAN & AUTO SALES INC
210 N Beechwood Ave APT 488 Rialto, CA, 92376-7965
support@onipayday.com
(555) 781-9032