SimpleFastMoney.com
Last Updated: December 2025
By accessing or using the SimpleFastMoney.com website (the "Site") or any services offered through the Site, you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not access or use the Site or our services.
SimpleFastMoney.com is operated by Atlantic Finance Corporation ("Company," "we," "us," or "our"), a Credit Access Business ("CAB") licensed by the Texas Office of Consumer Credit Commissioner ("OCCC") under Chapter 393 of the Texas Finance Code.
We operate as a Credit Access Business (CAB) under Texas law. We do not make loans directly. Instead, we assist consumers in obtaining credit from independent third-party lenders by helping consumers obtain extensions of credit in the form of deferred presentment transactions (commonly known as "payday loans" or "installment loans"). We charge a fee ("CAB Fee") for arranging credit on your behalf.
The actual credit is extended to you by an independent third-party lender. You will sign a promissory note with the third-party lender for the loan principal and interest, and a separate Credit Services Agreement with us for our CAB services and fees. The third-party lender, not the Company, makes all credit decisions.
To use our services, you must: be at least 18 years of age, be a resident of Texas, have a valid government-issued photo identification, have an active checking account at a bank or credit union, have a regular source of income, provide a valid email address and telephone number, and not be a debtor in any bankruptcy proceeding.
When you submit a loan application through our Site, you authorize us to: verify the information you provide, obtain consumer reports and credit information about you, contact your employer to verify employment and income, contact your references, and share your information with third-party lenders and service providers as necessary to process your application.
Submitting an application does not guarantee approval. All credit decisions are made by the third-party lender based on their underwriting criteria.
We charge a CAB Fee for arranging credit on your behalf. Our current fee schedule is posted on our website and in our retail location(s). The specific CAB Fee for your loan will be disclosed in your Credit Services Agreement before you sign.
The third-party lender charges interest on the loan principal. The interest rate will be disclosed in your Promissory Note before you sign.
Before you sign any loan documents, you will receive a Cost Disclosure form as required by Texas Finance Code Section 393.223. This disclosure will show the total cost of your loan, including all CAB fees and interest, and compare the cost to other forms of credit.
If you fail to make a payment when due, you may be charged a late fee as permitted by law and disclosed in your loan documents. If a payment is returned unpaid, you may be charged a returned payment fee. All fees will be disclosed before you sign your loan documents.
The specific terms of your loan, including the principal amount, interest rate, payment schedule, and total amount due, will be set forth in your Promissory Note and Credit Services Agreement. You are responsible for making all payments when due. Payments are typically made directly to us at our retail location or through authorized electronic payment methods.
If you fail to repay your loan as agreed, you will be in default. Consequences of default may include: assessment of late fees and continued accrual of interest, collection efforts by us or third-party collection agencies, reporting of your default to consumer reporting agencies which may negatively impact your credit score, and legal action to collect the amounts owed.
Important Notice: We will not threaten criminal prosecution or file criminal charges against you for nonpayment of your loan. Failure to pay a civil debt is not a criminal offense in Texas.
You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to: use the Site in any way that violates any applicable law or regulation, use the Site to transmit any harmful, threatening, abusive, or otherwise objectionable material, attempt to gain unauthorized access to any part of the Site or any systems or networks connected to the Site, interfere with or disrupt the Site or any servers or networks connected to the Site, or use any automated means to access the Site without our express written permission.
If you create an account on our Site, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
The Site and its contents, including but not limited to text, graphics, logos, images, and software, are the property of the Company or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our express written permission.
THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not guarantee that the Site will be uninterrupted, secure, or error-free. We are not responsible for any errors or omissions in any content on the Site.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Nothing in these Terms shall limit or exclude our liability for fraud, death or personal injury caused by our negligence, or any other liability that cannot be excluded by law.
You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of another.
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Texas, and you consent to the personal jurisdiction of such courts.
We reserve the right to modify these Terms at any time. We will post the updated Terms on the Site with a new "Last Updated" date. Your continued use of the Site after any changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy and any loan documents you sign, constitute the entire agreement between you and the Company regarding your use of the Site and our services.
NOTICE: An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
Before using our services, you may want to consider consulting with a nonprofit credit counseling service to explore your options. The OCCC maintains a list of licensed credit counseling services on their website.
If you have questions about these Terms, please contact us:
Atlantic Finance Corporation
d/b/a SimpleFastMoney.com
Email: support@simplefastmoney.com
Phone: [INSERT PHONE NUMBER]
Atlantic Finance Corporation is licensed and regulated as a Credit Access Business by the Texas Office of Consumer Credit Commissioner (OCCC) under Chapter 393 of the Texas Finance Code.
CAB License Number: [INSERT LICENSE NUMBER]
If you have a complaint about our services, you may contact the OCCC:
Texas Office of Consumer Credit Commissioner
2601 North Lamar Boulevard
Austin, Texas 78705
Consumer Helpline: (800) 538-1579
Email: consumer.complaints@occc.texas.gov
Website: www.occc.texas.gov