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Terms of Use

Please read these terms carefully before using our services

Last Updated: January 1, 2026

Welcome to Fast Cash Advance by PN Credit. These Terms of Use ("Terms") govern your use of our website pncreditunion.com and services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

2. Description of Services

Fast Cash Advance by PN Credit is a loan matching service that connects consumers with third-party lenders. We are NOT a lender. We do not make credit decisions, fund loans, or determine loan terms. Our role is limited to:

  • Collecting your loan request information
  • Transmitting your information to our network of lending partners
  • Displaying loan offers from participating lenders

3. Eligibility

To use our services, you must:

  • Be at least 18 years old
  • Be a legal resident of the United States
  • Have a valid Social Security Number
  • Have an active bank account
  • Have a valid email address and phone number

4. User Responsibilities

You agree to:

  • Provide accurate, current, and complete information
  • Not use our services for any illegal purpose
  • Not attempt to circumvent our security measures
  • Not use automated systems to access our services
  • Not impersonate any person or entity

5. No Guarantee of Loan Approval

Submitting a request through our service does not guarantee that you will receive loan offers or be approved for a loan. Loan approval decisions are made solely by the lenders based on their own criteria.

6. Third-Party Lenders

If you are matched with a lender, your relationship with that lender is governed by their own terms and conditions. We are not responsible for:

  • The lender's approval or denial of your application
  • The terms, rates, or fees offered by the lender
  • The lender's customer service or collection practices
  • Any disputes between you and the lender

7. Information Sharing

By submitting your information, you authorize us to share your information with our network of lending partners, marketing partners, and service providers as described in our Privacy Policy.

8. Marketing Communications

By using our services, you consent to receive marketing communications from us and our partners via email, phone, and SMS. You may opt out at any time by following the unsubscribe instructions or contacting us.

9. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Fast Cash Advance by PN Credit or its licensors and is protected by intellectual property laws. You may not use, reproduce, or distribute any content without our written permission.

10. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Fast Cash Advance by PN Credit SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES.

12. Indemnification

You agree to indemnify and hold harmless Fast Cash Advance by PN Credit, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our services or violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

14. Dispute Resolution

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

15. Changes to Terms

We reserve the right to modify these Terms at any time. Your continued use of our services after any changes constitutes acceptance of the new Terms.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

17. Contact Information

If you have questions about these Terms, please contact us:

  • PN Credit Union Company LLC
  • Email: support@pncreditunion.com