Terms and Conditions

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By accessing or using the EZ Loans of Virginia, Inc. (“EZ Loans,” “we,” “us,” or “our”) website, applying for a loan in-store or online, or otherwise using our services, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, you must not use our website or services.

EZ Loans of Virginia, Inc. is licensed by the Virginia State Corporation Commission (License No. [Insert License Number]) to engage in the business of making consumer finance loans under the Virginia Consumer Finance Act (§ 6.2-1500 et seq. of the Code of Virginia).
Our license does not constitute an endorsement by the Commonwealth of Virginia.

To apply for a loan with EZ Loans, you must:

• Be at least 18 years of age.
• Be a legal resident of the United States.
• Have a verifiable source of income.
• Reside in a state where EZ Loans is authorized to offer credit.
   

Additional eligibility criteria may apply and will be disclosed during the application process.

EZ Loans offers personal installment loans both in-store and online. Loan availability, terms, and amounts are subject to:

• Credit approval and verification.
• Compliance with applicable state and federal laws.
• Completion of all required disclosures prior to funding.
   

Truth in Lending Act (TILA) Disclosure: Before you accept any loan, you will receive a written loan agreement that includes the annual percentage rate (APR), finance charges, total of payments, payment schedule, and other key terms. You should review this disclosure carefully before signing.

When applying, you agree to:

• Provide accurate, current, and complete information.
• Authorize us to verify your employment, income, and credit history.
• Allow us to obtain a consumer report from a credit reporting agency.
   

Providing false or misleading information may result in denial of your application or termination of your loan.

Submitting an application does not guarantee approval. Loan approval is based on creditworthiness, ability to repay, and compliance with applicable laws.

Your repayment schedule, including due dates, accepted payment methods, and any applicable late fees or returned payment charges, will be detailed in your loan agreement.

• Late Payments: May result in a late fee as permitted by Virginia law (§ 6.2-400).
• Returned Payments: Returned checks or electronic payments may incur a returned item fee, also as permitted by Virginia law.
   

You have the right to prepay your loan in full or in part at any time without penalty, as required by Virginia law (§ 6.2-400).

The content on our website is for informational purposes only and does not constitute an offer, solicitation, or guarantee of a loan. Unauthorized use of this site, including attempts to access non-public systems, misuse of posted content, or use of the site for fraudulent purposes, is prohibited.

Your use of our website and services is subject to our Privacy Policy, which describes how we collect, use, and protect your information in compliance with the Gramm-Leach-Bliley Act and applicable Virginia privacy laws.

We employ commercially reasonable safeguards to protect your data, but no system is 100% secure.

By applying online, you agree to the use of electronic records and signatures in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN) and Virginia’s Uniform Electronic Transactions Act. You consent to receive all notices and disclosures electronically unless you opt out in writing.

All content, logos, trademarks, and materials on the EZ Loans website are the property of EZ Loans of Virginia, Inc. or its licensors. You may not copy, reproduce, or distribute any materials without our prior written consent.

To the fullest extent permitted by law, EZ Loans is not liable for indirect, incidental, special, or consequential damages arising from your use of our website or services. We make no warranties, express or implied, regarding the availability, accuracy, or reliability of the website.

These Terms are governed by the laws of the Commonwealth of Virginia without regard to conflict of law principles. Any legal action or proceeding shall be brought exclusively in the state or federal courts located in Virginia.

We reserve the right to amend these Terms at any time. Updated versions will be posted on our website with a revised effective date. Continued use of our services after changes are posted constitutes your acceptance of the updated Terms.

EZ Loans of Virginia, Inc.
[Company Address]
Phone: [Company Phone]
Email: [Company Email]
Virginia State Corporation Commission License No.: [License Number]