FEDERAL DISCLOSURE REQUIREMENTS

Payday loans are short-term advances that are intended to be paid off quickly. They are not designed as a solution to long term financial issues. If you would like to discuss other alternatives, feel free to contact a non-profit counseling service in your area.

Regulation B in Federal Law prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin, or Handicap as a basis for making anyone a loan. A1A FastCash, through its website does not discriminate based on any of these factors. In addition A1A FastCash will not enter into or maintain vendor/reciprocal information service type relationships with anyone who does not conform to these anti-discriminatory practices.

Regulation Z in Federal Law requires the full disclosure of all costs and terms associated with any credit purchase or transaction (such as this cash advance) and further requires that the costs associated with the transaction be expressed as an annual percentage rate of interest or A.P.R. Below all costs, terms and rates associated with the A1A FastCash cash advance program are given.

Federal Truth in Lending Act (T.I.L.A.)

A1A FastCash Terms and Conditions

Click on the section you wish to view, or scroll down to view the pursuant agreement.

1) PAYMENT ARRANGEMENTS
    a) Payment Agreement
    b) Extensions of Payments
    c) Early Payments
    d) Late Payments
    e) Return of Payments
    f) Right of Rescission
    g) Same Day Funding
    h) Communications Policies

2) “EFT/ACH” AUTHORIZATIONS

3) AGREEMENT/AUTHORIZATION FORM

4) DEFINITIONS

1) PAYMENT ARRANGEMENTS

a) Payment agreement

I agree to pay A1A FastCash the “Amount Financed” and “the Finance Charge” for that amount, in one payment, due on my “Payment Date”. I understand and agree that this “Payment Date” will be my next nearest payday. I authorize A1A FastCash to ACH/EFT debit the total amount due or any part thereof until this cash advance is paid in full.

I agree to maintain and keep in good standing the account with the financial institution I supplied in my application so that A1A FastCash can receive all payments due, in a timely manner.
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b) Extensions of Payments

Payday loans are short-term advances intended to be paid off quickly. They are not a solution to long-term financial issues. Therefore A1A FastCash does not recommend Extensions of Payment.

I understand that Delaware State regulations will allow me to extend my cash advance a maximum of four (4) times under the following terms. I can do so by paying the “Extension Fee” which is ninteen dollars ($19) per one hundred dollars ($100) of the “Cash Advance Amount”. After the fourth extension request I will pay an additional amount of ten percent (10%) of my principal balance toward the “Payoff Balance” of my loan. Additional fees may accrue if the loan is extended/rolled over.

I understand that all extension requests must be received by A1A FastCash a minimum of two (2) days in advance of my “Payment Date” and that I can only submit such request through email, telephone, or on the A1A FastCash website.
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c) Early Payments

I may prepay all or part of the “Cash Advance Amount” at any time. If I do so before my “Payment Date” I shall receive a pro-rated discount on my “Finance Charge”. This charge will be calculated by dividing the number of days since I received my cash advance divided by fourteen (14) and multiplying that number times the charge for fourteen (14) days.
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d) Late Payments

I may request extra time to pay either my “Extension Fee” or my “Payoff Balance”, however A1AFastCash is not required to grant me any. This is just a service that A1A FastCash can use for “Preferred Customers” at their discretion. All requests must be made a minimum of 3 days before my “Payment Date”. If you do not make your payment at all and do not make payment arrangements with us, you won't be able to get loans from company again. We may report your unpaid account to industry sources such as Teletrack and Check Data Systems resulting in you being unable to get loans from other companies, being unable to write or cash checks at major retailers, and being unable to open new bank accounts. A returned payment fee will also be added to your account in the amount of $30 each time the payment returns in addition to unpaid interest and principal balances. We may also send your account to a collection agency who will negatively report your unpaid loan to the three major credit bureaus.
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e) Return of Payments

If my pre-authorized payment is returned by my financial institution to A1A FastCash for any reason, I agree that A1A FastCash can automatically reschedule me for a repayment date and may include extra fees for, but not limited to, the continued use of my cash advance, a returned payment fee of thirty dollars ($30), and any other fees incurred by A1A FastCash in the collection of my debt. A1A FastCash has the right to use any means necessary to collect the amount I owe them. Including but not limited to smaller separate “ACH/EFT” withdrawals or preparing and submitting one or more checks drawn on my account.
If A1A FastCash is unable to obtain this payment in full, my account will be considered in default and will be transferred to a collection agency where I may accrue even more fees.

f) Right of Rescission

As required by federal law, you are given the right to rescind. In order to rescind you must notify A1A FastCash of the rescission by mail, telegram, or other means of written communication. You may only exercise the right to rescind until midnight of the third business day following the original contract agreement. You may not rescind each credit extension made under the plan if such extension is made in accordance with a previously established credit limit for the plan.

g) Same Day Funding

I may opt to receive my loan the same day with Accelaca$h service instead of the next business day for a charge of $9.99. Funds will be delivered to my bank debit card instead of my bank account under this service.

h) Communications Policies

A1AFastCash.com communicates via phone, email and SMS text messaging. These services may include loan activity alerts and reminders, discounts and coupons, announcements, and newsletters. While we present these services on a limited basis, if at any time you wish to unsubscribe from Email or SMS/text messaging, you may do so by following the instructions below.

Reminder Call Terms & Conditions: For your convenience, we provide reminder calls to remind of your payment due date 2 business days in advance. We also use broadcast calls a few times per year to update you on new services or promotions we offer. If at any time you wish to discontinue receiving calls, please let us know by calling 1-866-775-FAST or by following directions in the recorded message you receive to transfer immediately to a customer service agent.

Email Terms & Conditions: By providing Speedy Cash / Rapid Cash with your Email address(es) you consent that we may send Email messages to your Email address(es). Please add info@a1afastcash.com to your safe sender list or Email address book. If at any time you no longer wish to receive email, click the Unsubscribe link in the body of the email or just call us at 1-866-775-FAST.

SMS/Text Message Terms & Conditions: By providing A1AFastCash.com with your mobile telephone number(s), you consent that we may transmit SMS/text messages to your mobile number(s). Your carrier's message & data rates may apply. To unsubscribe from future text message alerts, simply reply "STOP" to the most recent message you have received from us or call us at 1-866-775-FAST.

Important: Funds credited on Friday or Saturday will be available on Monday. If you opted for AccelaCa$h funding for an extra charge of $9.99, the funds will be deposited to your bank debit card within a few hours but it can be as soon as 15 minutes, the processing time depends on your bank.
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2) EFT/ACH AUTHORIZATIONS

To serve you better A1A FastCash has an electronic banking service to help you prevent “NSF” return fees by your bank. In ordinary course of business we obtain your written pre-authorization to process your payments electronically. This allows us to submit an electronic entry to your bank instead of a check. Providing the payment is honored, Under Federal Regulation E, authorizing this transaction does not give us the right to access your account further. Only the authorized amount can be debited from your account. Payments due are presented to your bank on the morning of your “Payment Date”.
I hereby authorize A1A FastCash or their agent to initiate debits/credits entries to the account I supplied, for all payments due, including but not limited to “Amount Financed”, “Finance Charge”, “Payoff Balance”, “Extension Fee”, and “Service Fee”.
I understand and agree that A1A FastCash does not need to notify me prior to any debit entry as this contract constitutes a point-of-sale debit initiated by me.

I understand that the foregoing “ACH/EFT” Authorization is a fundamental condition to induce A1A FastCash to accept my application. Consequently such authorization is intended to be irrevocable. I have read and agree to all terms and conditions contained in this ACH Agreement and further agree that said document cannot be altered, modified, revoked, or rescinded unless both parties agree and said agreement is in writing and signed by both parties. The authority is to remain in full force and effect until A1A FastCash has received written notification from me of its termination in such time and manner as to afford them and the depository bank a reasonable opportunity to act on it.
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3) AGREEMENT AND AUTHORIZATION FORM

1.) I acknowledge that I have read, understand, and agree to all the conditions, terms, and disclosures of the A1A Fast Cash agreement.
2.) I acknowledge that I have provided my accurate banking information, including routing and account number for A1A Fast Cash to use for debit/credit transactions. If I am using AccelaCa$h, I have provided my personal debit card information, including account number and expiration date, to use for credit transactions.
3.) Once approved, I give A1A Fast Cash authorization to deposit a cash advance into my account. This amount will be my "Amount Financed". ACH transactions will appear in my account the next business day if authorized by my bank. AccelaCa$h transactions will appear in my account within a few hours time if authorized by my bank.
4.) I understand that the "Amount Financed" may be less than the amount I requested.
5.) I authorize and approve A1A Fast Cash to withdraw the "Amount Financed" plus the "Finance Charge" on my "Payment Date" as determined by the application and that that date should be my next payday. If I have opted for AccelaCa$h same day funding, I authorize and approve A1A Fast Cash to withdraw $9.99 in addition to the "Amount Financed" plus the "Finance Charge" on my first payday following the loan.
6.) I may request not to pay the "Amount Financed" my payday, only to pay the "Finance Charge" plus any outstanding fees, and therefore to extend the loan up to four times. After the fourth rollover, I understand that according to Delaware state law, I must pay at least 10% of the "Amount Financed" along with the "Finance Charge" or "Extension Fee". That 10% decreases my "Payoff Balance". I understand that if I choose to pay for an extension on my loan that paying the "Finance Charge" or "Extension Fee" in no way decreases my "Payoff Balance", and that if I wish to decrease my "Payoff Balance" I must pay an additional amount above and beyond my "Finance Charge" or "Extension Fee".
7.) I confirm and promise that I am not currently in bankruptcy proceedings nor am I planning on filing bankruptcy in the future.
8.) I understand that all transactions will be deemed to have taken place in the State of Delaware regardless of where I viewed, submitted or accepted this application and agreement.
9.) I understand and agree that this agreement and authorization are binding and valid for now and as requested in the future and will remain in effect.
10.) I understand that Federal law provides important protections to active duty members of the Armed Forces and their dependents. I am not an active or retired member of the Armed Forces nor a dependent of an active or retired member of the Armed Forces.
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4) DEFINITIONS

A) “Amount Financed” – The amount of cash you receive from A1A FastCash

B) “Finance Charge” – Your actual cost for the cash advance you receive.

C) “Payoff Balance” – This is the “Amount Financed” minus anything you have paid to your balance. * See pay-down requirement under Delaware State Regulations.

D) “Extension Fee” – This is a fee you can pay to extend your loan another pay period. The fee is $19 per $100 “Amount Financed”

E) “Service Fee” – This could any of several fees charged to you if your account goes delinquent.

F) “Payment Date” – This is the date your payment is due, this should be your next payday.

G) “APR” – Annual Percentage Rate – The “Finance Charge” expressed as a yearly rate.

H) “ACH” – Automated Clearing House – The agency responsible for financial electronic transactions.

I) “EFT” – Electronic Funds Transfer – An electronic banking service to process your payments electronically.
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DELAWARE Licensed Lenders Regulations
Itemized Schedule of Charges
(5 Del. C. . §§2218 and 2231)

The Delaware State Licensed Lenders Regulations and Itemized Schedule of Charges are available on this website by clicking here. (to review click here)