Disclosure
Questions? Please feel free to contact us for more information
NOTICE
This service does not constitute an offer or solicitation for a short-term installment loan. This site's services may change from time to time without notice. All aspects and transactions on this site will be deemed to have taken place in our office, regardless of where you may be viewing or accessing this website.
WARNING
An Unsecured Short-Term Loan is intended as a short-term cash flow tool. It is not designed as a solution for longer-term financial problems. The loan must be paid in full prior to the applicable Maturity Date.
Terms and Conditions
In this Disclosure the words "you or your" mean the customer identified on front of agreement. The words "us", "we", and "our" mean the LLS America, LLC DBA Little Loan Shoppe.
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Acceptance
As set forth herein, you accept the terms and conditions as outlined in this agreement by authorizing us to debit your bank account when any unsecured short-term installment loan comes due. This agreement is a confirmation of our agreement including the terms, which were available to you in writing from our office, on our website located at www.littleloanshoppe.com and verbally from one of our operators prior to the completion of the transaction.
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Electronic Presentment of Funds
You agree to the electronic presentation by us of any funds owed and to the representation of any presentations that are returned to us for any reason. Such electronic representation may be for less than the original amount owed us or in any increments totaling the amount due including the maximum permissible non-sufficient funds fees charged by us.
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Class Action
You agree, to the extent permitted by law, that you will not bring, join, or participate in any class action or multi-plaintiff action as to any claim, dispute, or controversy you may have against the Little Loan Shoppe or LLS America, LLC. You agree to the entry of injunctive relief to stop such a lawsuit or to remove yourself as a participant in the suit. This agreement does not constitute a waiver of any of your rights and remedies to pursue a claim individually as outlined herein.
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Documentation
You agree that electronic mail, electronic forms, records, photocopies, and /or facsimile copies of the documents you submit are valid and enforceable as the original. Further, you agree that by verbal consent in person or by phone, typing your name as your electronic signature, or any other manner or method of acceptance as outlined herein constitutes an acceptance of all terms and conditions of the Agreement for which will be deemed valid and binding on all parties to this Agreement.
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Electronic Signature/Verbal Consent
By agreeing to this application, you understand and agree to all terms and conditions of this Agreement and by submitting the online application by Internet or by phone, you are applying for an unsecured short-term installment loan and certify that information provided by you is true and correct under penalty of perjury. You agree that upon submission of your electronic signature or verbal consent by phone, you are not presently involved in, or contemplating, a bankruptcy filing now or in the future. You authorize us to verify the information in this application and hereby give the Little Loan Shoppe or LLS America, LLC consent to obtain your information from a consumer reporting agency or other various means available. You understand the Little Loan Shoppe or LLS America, LLC reserves the right to decline an applicant at any time, with cause determined by judgment of risk, upon completion of due diligence of applicant. In order to process this application, you understand verification of the information you have provided is necessary, including, but not limited to, employment and bank account verification. You accept personal responsibility for safeguarding any PIN or CUSTOMER NUMBER that might be assigned to you.
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Governing Law
Any and all transactions between you and the Little Loan Shoppe or LLS, America, LLC, including but not limited to loans, will be deemed to have taken place in Salt Lake City, Utah and according to the laws of the State of Utah, United States of America, regardless of where you may be viewing or accessing this website.
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Pay Back Options
You can either repay your loan in full at any time prior to your stated maturity date, or you can make twenty (20) installment payments over a period of forty (40) weeks on a bi-weekly basis. The amount of each unsecured short-term installment loan payment will equal $35.00 for every $100.00 borrowed. 5% of the total amount borrowed, or $5.00 for every $100.00 borrowed, will be applied out of each installment loan payment towards the original principle amount of your loan. The remaining $30.00 for each $100.00 borrowed will be paid to us out of each installment loan payment to cover our wiring, administrative and other costs.
If you have any questions, please contact us.
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