Borrow Now

Terms & Conditions

Continued Use of the Website

Your continued access to and use of the Website means You accept these Terms and Conditions. If You do not agree with these Terms and Conditions, You must refrain from accessing and using the Website.  

Definitions

“Website” means this website and its associated pages, as well as the services and functionality offered, embedded, displayed, or used therein.

“You” means those that use and/or interact with the Website, which includes, without limitation, individuals, bots, companies, organizations, businesses, crawlers, or anyone or anything, as well as the owner, controller, employer, creator, or manager of anyone or anything, that uses and/or interacts with the Website. 

The “Company” means QC Holdings, LLC and its subsidiaries and affiliates. 

“Terms” means the terms and conditions listed and described herein.

“Privacy Policy” means the document described and linked below, and that may be updated from time to time. 

Privacy Policies

This Website collects information about its visitors, specifically You. You agree that all such information, including, without limitation, information you provide to use or register with this Website, is governed by our Privacy Policy, which is incorporated herein by reference and forms an integral part of these Terms, available here: Privacy Policy. You acknowledge that you have read the Privacy Policy, as it may be updated from time to time, and hereby consent to all actions we take with respect to your information consistent with our Privacy Policy.

Your Customer Account

Access to certain services and features of the Website may require you to create and use a customer account. You must: (a) provide accurate, truthful, current, and complete information with respect to your customer account; (b) maintain and promptly update your account information; (c) maintain the security of your account by not sharing your password with others, restricting access to your account, and not authorizing any other person to access or use the Website through your account; (d) promptly notify us if you discover or suspect any unauthorized access to your customer account or any other security breach related to the Website; and (e) take sole responsibility for all authorized and unauthorized activity that takes place with or through your customer account. If you provide any information through a customer account, you represent and warrant that such information complies with these Terms, you own or control all rights in and to such information, and you have the right to grant QC Holdings, LLC and its subsidiaries and affiliates (hereinafter “the Company”) the ability to receive and process that information.

Intellectual Property


This Website contains material that is either owned by the Company or licensed to the Company. The trademarks, titles, characters, trade names, graphics, designs, and other properties, including all software, text, and images appearing on this site are protected intellectual properties owned by the Company, its licensees, or other third parties who have authorized use of such properties on this Website. You are expressly prohibited from using automated programs, software, or any other method, including, but not limited to, web scraping, data mining, or screen scraping, to access, extract, or otherwise collect data or content from this Website for any purpose without the express written consent of the Company. You are further prohibited from using any content or data from this Website, including user-generated content, for the purpose of training or developing artificial intelligence models, large language models (LLMs), or any similar technologies. By downloading any trademarked or copyrighted material, you agree that you do not obtain any ownership rights in such material, including the exclusive rights granted by U.S. Copyright law. The Company will aggressively enforce its intellectual property rights to the fullest extent of the law. 

The Company grants you permission to view and make copies of documents, pages, images, and other materials and content on the Website for the purposes of obtaining a loan from the Company or its affiliates for your non-commercial, personal use. The Company reserves all other rights in the Website and its contents. With the exception of your loan and related documents, which You may collect and disseminate as You see fit, You may not distribute, display, transmit, or disseminate any such documents, pages, images, materials, or content without the prior written consent of the Company. Except as expressly provided on the Website, nothing contained on the Website shall be construed as conferring any right or license under any trademark, copyright, or other intellectual property right. Once again, as stated above, the Company will aggressively enforce its intellectual property rights to the fullest extent of the law.   

Your Use of this Site


When You use the Website, You warrant that you will comply with these Terms and with all applicable laws, rules, and regulations. 

You also acknowledge and agree You will not:

  • Systematically retrieve data or other content from the Website to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission of the Company.
  • Make any unauthorized use of the Website, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
  • Circumvent, disable, or otherwise interfere with any security-related feature of the Website or the Company, including, without limitation, features that prevent or restrict the use or copying of any content or enforce limitations on the use of the Website, its associated services and/or offerings, and/or any content contained therein.
  • Engage in unauthorized framing of or linking to the Website.
  • Trick, defraud, or mislead the Company or any other user, especially in any attempt to learn sensitive account information, such as user passwords.
  • Make improper use of the Website, including our support services or submit false reports of abuse or misconduct.
  • Engage in any automated use of the Website, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
  • Interfere with, disrupt, or create an undue burden on the Website or the networks or associated services or offerings connected to or associated with the Website.
  • Attempt to impersonate another user or person or use the username of another user.
  • Use any information obtained from the Website in order to harass, abuse, or harm another person or entity.
  • Use the Website as part of any effort to compete with the Company or otherwise use the Website and/or its content for any revenue-generating endeavor or commercial enterprise. 
  • Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Website, except as expressly permitted by applicable law.
  • Attempt to bypass any measures of the Website designed to prevent or restrict access to the Website or any portion of the Website.
  • Harass, annoy, intimidate, or threaten any of the Company’s employees or agents engaged in providing any portion of the Website or the Company’s services and/or offerings to You.
  • Delete the copyright or other proprietary rights notice from any Content.
  • Copy or adapt the Website’ software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
  • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Website or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Website.
  • Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including, without limitation, clear graphics interchange formats (“gifs”/’gifs’), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).
  • Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including, without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Website, or using or launching any unauthorized script or other software.
  • Use the Website in a manner inconsistent with any applicable law, rule, or regulation.
  • Reconstruct or attempt to discover any source code or algorithms of the Website, or any portion thereof, by any means whatsoever.
  • Provide, or otherwise make available, the Website to any third party.
  • Intercept or attempt to intercept any data not intended for you.
  • Damage, reveal, or alter any user’s data, or any other hardware, software, or information relating to another person or entity.
  • Engage in any use, including modification, copying, redistribution, publication, display, performance, or retransmission, of any portions of the Website, other than as expressly permitted by these Terms, without the prior written consent of the Company, which the Company may grant or refuse in its sole and absolute discretion.

Limitation of Liability and Disclaimer of Warranties


The Company uses reasonable efforts to ensure the information on the Website is accurate, but cannot guarantee such accuracy. The Company makes no representations regarding the use or results of any content on this site as to its accuracy, reliability, or any other matter. NEITHER THE COMPANY NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THE WEBSITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. Everything on the Website is provided “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Because some jurisdictions may not allow the exclusion of implied warranties or limitation of certain types of damages, some of the above exclusion limitations may not apply to You. Check your local laws. Further, the Company does not warrant that the content of this Website is free from any viruses, worms, or other code that may result in harmful properties notwithstanding the Company’s efforts to implement reasonable safeguards to protect against these harmful properties. 

Linking


The Website may contain links to sites maintained by third parties. The Company is not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.

Privacy


The Company will use any personal data supplied through the Website in accordance with its Privacy Policy.

Offers Void in Some States


The offers advertised on the Website may be void in some states. Check your local stores for details.

Law and Venue


Your use of this site is governed by the laws of the State of Kansas, without regard to its choice of law provisions. The Johnson County, Kansas Courts of general jurisdiction will be the exclusive venue for litigating disputes arising out of these Terms or your use of the Website. Please visit your local stores or contract the Company for details.

Indemnification

In the event that any legal action is taken resulting from your use of this Website or any unsolicited information provided by you, you agree to defend, indemnify, hold harmless, and pay any reasonable legal and accounting fees incurred by the Company, its affiliates, its and their directors, officers, employees, agents, investors, and licensers. The Company shall have the right, at its option and expense, to participate in the defense and/or settlement of any claim or action, or to assume the exclusive defense and control of any matter otherwise subject to indemnification by you without relieving your indemnification obligations. In no event shall you settle any suit or claim imposing any liability or other obligations on the parties to the suit, action, or claim without its prior written consent.

Minors

The Website is not directed at individuals under the age of majority in the locations where the Company does business (18 in most states and Canada, and 19 in Alabama). The Company does not knowingly collect personal information from individuals under the age of majority from the Website.

Users Outside U.S. and Canada


The Website is maintained by the Company from its corporate offices in Lenexa, Kansas, U.S.A. The Company makes no representation that the documents, pages, images, or other materials or content on this site are appropriate or available for use in jurisdictions outside the U.S.A. and Canada.

Modification


The Company reserves the right to modify these terms and conditions from time to time. Your use of the Website after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.