Terms & Conditions
This is a short-term loan designed to help with your immediate short-term cash flow needs. It is not a solution for long-term needs. Mazuma Credit Union/XtraCash, LLC, encourages you to (1) only borrow what you need and can repay and (2) shop the marketplace and explore other credit options to find the solution best suited for your needs.
You acknowledge and agree all payments must be received by Mazuma Credit Union/XtraCash, LLC, on or before the Payment Due Date. We must initiate an ACH debit entry to your Bank Account for the scheduled payment at least one business day prior to the Payment Due Date in order for the funds to be received by us on the Payment Due Date.
By accepting the Terms and Conditions, you consent to electronic delivery of the Disclosures as described below and confirm that you have the software and computer equipment that satisfies the requirements and that you will download or print the Disclosures you receive for your records.
CONSENT TO ELECTRONIC DISCLOSURE
To electronically receive, view, and save the Disclosures, you must have a computer equipped with Netscape 4.0, Microsoft Explorer 4.0, or AOL 5.0; or later version, and either a printer, a hard drive, or other storage device. You must also have a valid email address.
Prior to submission of your application, you may withdraw your consent to electronic disclosures by exiting the application website. You will not be able to submit your loan application if you withdraw consent. In addition, because we are required to provide you with certain disclosures prior to making a loan to you, you cannot withdraw your consent after submission of your application.
You have the option to receive any information that we have provided electronically in paper form at no cost to you. To request a paper copy, please contact us by emailing us at firstname.lastname@example.org, calling us at 913-310-9292, or writing us at: XtraCash, LLC ‐ 7260 W 135th St, Ste 100, Overland Park, KS 66223.
Please print out a copy of this consent to Electronic Disclosures and keep it for your records.
You give Mazuma Credit Union / XtraCash, LLC, and its service providers, consent to obtain information on you from a consumer reporting agency or other means available including, but not limited to, Teletrack and Veritec. You agree to and authorize such a search. You understand that we may not fund your loan if we cannot successfully verify all of your application information. You understand that XtraCash, LLC, will retain this application whether or not it is approved.
You certify that the information supplied by you to be true and correct. You authorize Mazuma Credit Union / XtraCash, LLC, its representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on your loan application shall be sufficient reason for denial.
REGULATION B under the Federal Truth In Lending Act (T.I.L.A.) prohibits the consideration of Age, Sex, Race, Ethnicity, Gender, National Origin, or Handicap as a basis for making anyone a loan. Mazuma Credit Union / XtraCash, LLC, does not discriminate on any of these factors. In addition, Mazuma Credit Union / XtraCash, LLC, 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 under the Federal Truth In Lending Act (T.I.L.A.) requires the full disclosure of all costs and terms associated with any credit purchase or transaction and further requires that the costs associated with the transaction be expressed as an annual percentage rate of income (“APR”). Mazuma Credit Union / XtraCash, LLC, fully discloses the terms, costs, and rates associated with each loan in the loan agreement.