Term & Conditions

Before accepting any loan, you are responsible for carefully reviewing all loan documents, including but not limited to:

• Your Loan Agreement
   
• All required state and federal disclosures
• Payment schedules
• Fee explanations
• Notices regarding your rights and responsibilities

Do not sign anything you do not understand.

If any part of your loan agreement or disclosures is unclear, you should ask questions and seek clarification before signing.

Accel Loans encourages every customer to take the time needed to fully understand their loan. There is no obligation to proceed until you are comfortable with the terms.

 The specific terms of your loan including loan amount, interest, fees, payment schedule, and repayment obligations  are set forth only in your signed Loan Agreement and accompanying disclosures.

In the event of any inconsistency between information on this website and your Loan Agreement, the Loan Agreement controls.

You acknowledge that:

• Verbal explanations do not replace written loan documents
   
• Marketing materials are for general informational purposes only
   
• Only the signed Loan Agreement defines your actual loan terms

By applying for and accepting a loan, you agree that:

• You are responsible for reviewing all documents in their entirety
   
• You understand your payment obligations and due dates
   
• You understand the total cost of the loan
   
• You understand the consequences of late or missed payments
   
• You will not sign any document you do not understand
   

If you do not understand any portion of your loan documents, you should not sign them.

 Accel Loans’ team is available to explain loan terms and answer questions; however, it is ultimately your responsibility to ensure you understand your loan before signing.

You should ask questions about:

• Interest rates and fees
• Payment amounts and timing
• Loan length
• Any optional products or services
• Any language that is unclear or confusing
   

You should take as much time as needed to make an informed decision.

  Accel Loans does not provide legal, tax, or financial advice. Any explanations provided by our staff are for informational purposes only and do not replace your responsibility to review and understand your loan documents.

If you believe you need legal or financial advice, you should consult an independent professional before signing your loan agreement.

 Accel Loans operates in compliance with applicable Missouri state laws and regulations governing consumer lending. Required disclosures are provided as part of the loan process in accordance with Missouri and federal law.

You acknowledge that you have received, reviewed, and understood all required disclosures before signing your loan agreement.

 By using our website or electronic application process, you consent to receive disclosures, agreements, and notices electronically where permitted by law.

Electronic signatures carry the same legal effect as handwritten signatures.

Do not electronically sign any document unless you have read and fully understand it.

 Submitting an application does not obligate you to accept a loan. You may decline to proceed at any time prior to signing your loan agreement.

You should never feel pressured to sign documents you do not understand.

 By using our website or entering into a loan agreement, you confirm that:

• You have read these Terms and Conditions
• You understand them
• You have read and understood your loan agreement and all disclosures
• You voluntarily agreed to the loan terms
   

If you do not agree with these Terms and Conditions or do not understand your loan documents, you should not proceed.