Terms of Service

By accessing and using the Great Plains Lending website, mobile application, or services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you ("Borrower," "you," or "your") and Great Plains Lending ("Company," "we," "us," or "our").

If you do not agree to these Terms, you must not use our services or access our website. Your continued use of our services after any modifications to these Terms constitutes your acceptance of the revised Terms.

For the purposes of these Terms, the following definitions apply:

• "Loan" means any financial advance provided by Great Plains Lending to a qualified borrower.
• "APR" means Annual Percentage Rate, the yearly cost of the loan expressed as a percentage.
• "Principal" means the original loan amount borrowed.
• "Finance Charge" means the total cost of credit, including interest and fees.
• "Due Date" means the date on which loan payment is due.
• "Default" means failure to make required payments when due.
• "Services" means all loan products and related services offered by Great Plains Lending.

To be eligible for our loan services, you must meet the following requirements:

• Be at least 18 years of age (21 in some states)
• Be a legal resident of the United States
• Have a valid Social Security Number
• Have a valid checking account in your name
• Have a steady source of income
• Provide accurate and complete information in your application
• Meet our minimum income requirements
• Comply with all applicable federal, state, and local laws

We reserve the right to verify your eligibility and may request additional documentation to confirm your identity and financial status.

Loan Amounts

Loan amounts typically range from $100 to $5,000, subject to state regulations and your creditworthiness. The specific loan amount you qualify for will be determined based on your application and our underwriting criteria.

Interest Rates and APR

Interest rates and APRs vary based on loan type, amount, term, and your creditworthiness. All rates and fees will be clearly disclosed in your loan agreement before you accept the loan.

Loan Terms

Loan terms vary by product type:

• Payday Loans: Typically 14-31 days
• Installment Loans: 3-36 months
• Personal Loans: 12-60 months

Our application process is designed to be simple and secure:

1. Complete the online application with accurate information
2. Provide required documentation and verification
3. Review and accept loan terms if approved
4. Receive funds via direct deposit or other approved method

Application approval is subject to verification of information provided and meeting our lending criteria. We reserve the right to decline any application at our discretion.

Various fees may apply to your loan, including but not limited to:

• Origination fees
• Late payment fees
• Returned payment fees (NSF)
• Prepayment penalties (if applicable)
• Collection fees

All applicable fees will be clearly disclosed in your loan agreement. We do not charge hidden fees, and all costs are transparently communicated before loan acceptance.

Payment Schedule

Payments are due according to the schedule outlined in your loan agreement. Payment frequency may be weekly, bi-weekly, or monthly depending on your loan type.

Payment Methods

Payments can be made through:

• Automatic bank withdrawal (ACH)
• Online payment portal
• Phone payments
• Money order or cashier's check

Early Repayment

You may prepay your loan at any time without penalty (unless otherwise specified in your loan agreement). Early repayment may reduce the total interest paid over the life of the loan.

Default occurs when you fail to make required payments when due. In the event of default:

• Late fees and collection costs may be added to your balance
• Your account may be reported to credit bureaus
• We may pursue collection activities, including legal action
• Your loan may be sold to a third-party collection agency

If you experience financial difficulties, please contact us immediately to discuss possible payment arrangements or alternatives.

We are committed to protecting your privacy and personal information. Our privacy practices are detailed in our Privacy Policy, which is incorporated into these Terms by reference.

By using our services, you consent to our collection, use, and sharing of your information as described in our Privacy Policy.

Our services are provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to warranties of merchantability and fitness for a particular purpose.

We shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

Any disputes arising from these Terms or your loan agreement shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

You waive your right to participate in class action lawsuits or class-wide arbitration proceedings.

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

We will notify you of material changes via email or through our website.

If you have questions about these Terms or need assistance with your loan, please contact us: