Terms of Service
Please read these terms carefully before applying for a loan. They govern the relationship between you and HCHC Online.
Last Updated: June 2026
Welcome to HCHC Online. These Terms of Service govern your access to and use of our website, loan application, and personal and business loan products (collectively, the "Services"). By using our Services, you enter into a legal agreement with HCHC Online and agree to comply with these Terms.
Please read these Terms carefully before proceeding. If you have questions about any provisions, please contact us before applying for a loan.
Acceptance of Terms
By accessing and using HCHC Online's website and applying for a loan, you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services. These terms constitute a legally binding agreement between you and HCHC Online regarding your loan application and any loan you may receive.
Loan Application & Offer
Application & Pre-Qualification
Submitting a loan application does not guarantee approval. Pre-qualification uses a soft credit inquiry that does not affect your credit score. A formal application may require a hard credit inquiry, which can affect your credit score. All loan offers are subject to credit approval, income verification, and other underwriting criteria.
Loan Offers & Disclosures
Loan offers include the loan amount, annual percentage rate (APR), repayment term, and monthly payment. APRs start as low as 5.99% and vary based on credit, income, loan amount, and term. All offers include the full Truth in Lending disclosure required by federal law. Your final terms are set out in your signed loan agreement.
Funding
Approved loans are typically funded within 24 to 48 hours after you sign your loan agreement. Funding times may vary based on your bank, the time of approval, and verification requirements.
Repayment & Financial Responsibilities
Repayment Obligation
You agree to repay your loan according to the schedule in your signed loan agreement, including all principal, interest, and any disclosed fees. Payments are typically made via automatic bank debit on the due date each month.
Interest & APR
Interest accrues on your loan at the APR disclosed in your loan agreement. APRs start as low as 5.99% and are fixed for the life of the loan unless otherwise stated. There are no hidden fees; any applicable fees are disclosed before you sign.
Late & Missed Payments
Late payments may result in late fees as disclosed in your loan agreement and may be reported to credit bureaus, which can affect your credit score. If you anticipate difficulty making a payment, please contact your loan officer before the due date to discuss options.
Your Responsibilities as a Borrower
Accurate Information
You agree to provide accurate, complete, and truthful information on your loan application, including identity, income, employment, and financial details. Misrepresentation may result in application denial, loan default, or legal action.
Identity Verification
You agree to cooperate with identity and income verification, including providing documentation such as government-issued ID, pay stubs, bank statements, or tax returns when requested.
Proper Use of Loan Funds
Loan funds must be used for lawful purposes only. You may not use loan proceeds for illegal activities, gambling, or any purpose prohibited by your loan agreement.
Limitation of Liability
Not Legal or Financial Advice
Information on our website is for general informational purposes and does not constitute legal, tax, or financial advice. You are encouraged to consult a qualified professional for advice specific to your situation.
Force Majeure
HCHC Online shall not be liable for delays or failures in service delivery caused by circumstances beyond our reasonable control, including natural disasters, government actions, banking system failures, or systemic technology outages.
Liability Cap
Our total liability for any claims arising under this agreement shall not exceed the total fees paid by you to HCHC Online in connection with your loan, excluding principal and interest.
Confidentiality & Data Security
Mutual Confidentiality
Both parties agree to maintain the confidentiality of all sensitive personal and financial information shared in connection with your loan. Neither party will disclose confidential information to third parties without prior written consent, except as required by law.
Data Security
HCHC Online employs industry-standard security measures to protect your personal and financial data, including encryption, access controls, and regular security audits. You are responsible for maintaining the security of your account credentials.
Prohibited Activities
You may not attempt to gain unauthorized access to our systems, transmit malicious code, interfere with other users' access, or use our platform to submit fraudulent applications or collect unauthorized data.
Additional Provisions
Loan Term & Repayment
Your loan term and repayment schedule are defined in your signed loan agreement. Repayment terms range from 12 to 84 months. You may repay early without penalty unless otherwise stated in your agreement.
Dispute Resolution
Any disputes arising from these terms or your loan will be resolved through good-faith negotiation, followed by mediation if necessary, and binding arbitration as a last resort, except where prohibited by applicable law.
Governing Law
These Terms of Service are governed by the laws of Kansas, United States, without regard to conflict of law principles. Any legal action must be brought in the courts located in Jetmore, Kansas.
Modifications to Terms
We reserve the right to modify these Terms of Service at any time. Material changes will be communicated via email or website notice with at least 30 days' advance notice. Continued use of our services after such modifications constitutes acceptance of the updated terms.
Severability
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
Entire Agreement
These Terms of Service, together with our Privacy Policy and your signed loan agreement, constitute the entire agreement between you and HCHC Online regarding your loan.
Questions About These Terms?
If you have questions or concerns about these Terms of Service, please contact our team.
Email: info@hchconline.online
Phone: (973) 486-3807
Address: 809 W Bramley St, Jetmore, KS 67854
Important Notice
By submitting a loan application or signing a loan agreement, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not apply for or accept a loan from us.