Last Updated: December 2024
Meerkat Cash Advance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and share your personal information when you use our mobile application and related services (the "Service").
By downloading, accessing, or using our App, you agree to the terms of this Privacy Policy. Our App acts as a connecting service to link you with third-party lenders. We do not issue loans ourselves.
To facilitate the loan connection process, we collect information that you voluntarily provide through the App forms. This includes:
This is a lead generation service. The primary purpose of collecting your information is to share it with our network of third-party lenders and lending partners who may be able to offer you a loan.
By clicking "Get This Loan" or similar buttons in our App, you explicitly consent to us sharing your Name, Email, Phone, and Zip Code with:
We take the security of your personal information seriously. We use industry-standard encryption (SSL/TLS) when transmitting your data to our lender network. However, please be aware that no method of transmission over the internet is 100% secure.
We retain your information only for as long as necessary to fulfill the purposes outlined in this policy or as required by law.
Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or seek professional financial advice.
This website is not an offer to lend. Meerkat is not a lender or lending partner and does not make loan or credit decisions. Meerkat connects interested persons with lenders and lending partners from its network of approved providers. Meerkat does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner.
Meerkat receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Meerkat's connection service is always free to you.
In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender's rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction.
This service is not available in all states. If you request to connect with a lender in a state where such loans are prohibited, or where Meerkat does not have an available lender or lending partner, you will not be connected to a lender or lending partner.
By submitting your information via this website, you authorize Meerkat and its partners to perform a credit check, which may include verifying your social security number, driver license number or other identification, and reviewing your creditworthiness. Credit checks are usually performed by major credit bureaus such as Experian, Equifax and TransUnion, but may also include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Meerkat to share your information and credit history with our network of approved lenders and lending partners.
Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender's approval based on their own unique underwriting criteria.
You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan.
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.