Terms and Conditions
1. ACCEPTANCE OF TERMS
By accessing or using the zero2ten.biz website (the "Website"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Website.
2. ABOUT ZERO2TEN
Zero2Ten LLC operates as Capital Management Advisors, providing consulting and advisory services to help small businesses access capital to start and grow. The information on this Website is provided for informational purposes only and does not constitute a loan offer, loan commitment, or financial advice. All business relationships, partnerships, and consulting engagements are governed by separate written agreements.
3. USE OF WEBSITE
3.1 You must be at least 18 years old to use this Website.
3.2 You agree to use this Website only for lawful purposes and in accordance with these Terms and Conditions.
3.3 You may not use this Website to:
- Transmit any unlawful, harmful, or offensive content
- Attempt to gain unauthorized access to our systems
- Interfere with the proper functioning of the Website
- Collect information about other users without permission
4. INTELLECTUAL PROPERTY
4.1 All content on this Website, including text, graphics, logos, images, and software, is the property of Zero2Ten LLC and is protected by copyright and trademark laws.
4.2 You may view and print content from this Website for your personal, non-commercial use only.
4.3 You may not copy, reproduce, distribute, modify, or create derivative works from any content on this Website without our prior written permission.
5. DISCLAIMER
5.1 The information on this Website is provided "as is" without warranties of any kind, either express or implied.
5.2 We do not guarantee the accuracy, completeness, or timeliness of any information on this Website.
5.3 Nothing on this Website constitutes financial advice, legal advice, or a guarantee of loan approval, capital access, or specific terms.
5.4 We reserve the right to modify, suspend, or discontinue any aspect of this Website at any time without notice.
6. LIMITATION OF LIABILITY
To the fullest extent permitted by law, Zero2Ten LLC shall not be liable for any damages arising from your use of this Website, including but not limited to direct, indirect, incidental, or consequential damages.
7. EXTERNAL LINKS
This Website may contain links to third-party websites. We are not responsible for the content or practices of any third-party sites. Your use of third-party websites is at your own risk.
8. PRIVACY
Your use of this Website is also governed by our Privacy Policy. By using this Website, you consent to our collection and use of information as described in our Privacy Policy.
9. CHANGES TO TERMS
We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this Website. Your continued use of the Website after changes are posted constitutes acceptance of the revised terms.
10. GOVERNING LAW
These Terms and Conditions are governed by the laws of the State of Michigan, without regard to conflict of law principles.
11. CONTACT US
If you have questions about these Terms and Conditions, please contact us.
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SERVICES LIST
What you will learn with this book
Short-Term Cash Loans
These loans provide a quick infusion of cash to cover immediate expenses until your next paycheck arrives. With relatively small loan amounts and short repayment periods, usually a few weeks, they offer a temporary solution for unexpected bills or cash shortfalls.
Payday Advances
Similar to short-term cash loans, payday advances are designed to bridge the gap between paydays. You can borrow a portion of your upcoming paycheck and repay the advance, plus fees and interest, when you receive your next paycheck.
Cash Loan
A cash advance allows you to borrow money against your credit card's available balance. Payday lenders may offer this service, providing you with immediate cash in exchange for fees and the promise to repay the advance from your next paycheck.
Title Loans (using a vehicle title as collateral)
For those who own a vehicle outright, title loans allow you to use your vehicle's title as collateral for a short-term loan. The lender holds onto your title until the loan, plus interest and fees, is repaid.
Installment Loans
Unlike single-payment payday loans, installment loans from payday lenders are repaid over a longer period through scheduled installments. This can make larger loan amounts more manageable but also increases the overall interest paid.
Check Cashing Services
Many payday lenders offer check cashing services, allowing you to cash personal, payroll, government, or other types of checks for a fee, providing instant access to those funds.
Testimonials
When my car broke down unexpectedly, I was hit with a massive repair bill that I simply couldn't afford. Thanks to the quick payday loan service, I was able to get the cash I needed within hours to fix my car and get back on the road. Their hassle-free process and friendly staff made a stressful situation so much easier to manage. I'm grateful for their help during my time of need.
JOHN DOE
As a single mom, juggling bills and unexpected expenses can be overwhelming. Last month, when I was hit with a higher than normal utility bill, I didn't know how I would make ends meet. Fortunately, the payday lenders provided me with a short-term loan solution that allowed me to keep the lights on until my next paycheck. Their service was confidential, and the process was clearly explained. I can't thank them enough for their assistance during a very difficult time.
JANE DOE
Costs
Loan amount:
$xxx - $xx,xxx
Repayment period:
12 monts - 24 months
Payday loans typically come with relatively short repayment periods, often aligning with your next pay cycle. Many lenders require repayment in full, including the principal amount borrowed plus interest and fees, within 2-4 weeks. The interest rates charged by payday lenders are significantly higher than those offered by traditional banks and credit unions for longer-term loans.
Annual percentage rates (APRs) can range anywhere from 200% to 500% or even higher in some cases. While this makes payday loans an expensive option, the trade-off is quick access to cash for those unable to qualify for more favorable rates from banks. Lenders justify the higher rates as compensation for taking on borrowers with poor or no credit histories. It's crucial to carefully review the terms and have a plan to repay the full amount on time to avoid rolling over the debt and incurring additional fees.
FAQS
How much can I borrow with a payday loan?
The maximum loan amount varies by lender and state regulations, but typically ranges from $300 to $1,000. Many lenders offer smaller sums like $100 or $200 for first-time borrowers or those with limited income.
What do I need to qualify for a payday loan?
While requirements can vary, most lenders require you to be at least 18 years old, have a steady source of income, an active checking account, and a valid form of identification. Some may also consider your credit history but bad credit does not automatically disqualify you.
How long do I have to repay a payday loan?
Payday loans are short-term loans designed to be repaid with your next paycheck, usually within 2 to 4 weeks. Some lenders may offer slightly longer terms of up to 45 days, but the loan periods are meant to be brief until your next pay date.
Get In Touch
Address: 808 Pleasant St., Charlotte MI 48813
Email:
Hours of Operation:
Mon - Sat 8am to 6pm
Sunday – Closed
