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Terms of Use

Lafet, a service of Cash Advance for CO Inc.

Effective date: June 1, 2026

This document sets the rules between you and Cash Advance for CO Inc. (“Cash Advance for CO Inc.”, “we”, “us”, “our”) whenever you open or use the Lafet application or its website, together referred to here as the Platform. Opening or continuing to use the Platform tells us you accept everything written below. Should any part be unacceptable to you, please stop and do not continue.

Think of Lafet as a comparison venue, never as the source of money. We do not fund advances, we hold no banking charter, and we are no kind of credit institution. We will not approve a request, we will not price anything, and at no point do funds pass through us. The role we play is narrow: once you decide to move ahead, we introduce you to a single licensed lending partner that you have picked yourself. From that point the chosen partner alone judges your request and writes any terms. Whatever funding deal results belongs strictly to you and that partner.

Access is limited to people who have reached the age of 18, who live inside the United States, and who draw a steady stream of income. We built the Platform for use within the United States and nowhere else. What is on offer can change from one state to another.

Lafet lets you look over cash advance, payday and installment choices and then reach a single licensed lending partner you have selected. Sending in a request is not a promise of approval, of money, of any qualification, of a given price, or that a partner will be open to you. Treat every number on the Platform as an illustration rather than a quote.

The licensed lenders working with us tend to extend financing inside the bands listed next; the binding figures come from whichever partner you select:

  • How much: $100 to $500
  • APR: 5.99% to 35.99%
  • How long: 65 days to 24 months

The APR expresses the cost of borrowing across a full year and can fold in interest plus whatever fees a lender applies, with the APR never exceeding 35.99 percent.

Should a partner levy an origination charge, that charge sits inside the displayed APR. Lafet bills you nothing of its own for origination.

Representative example: A $400 loan over 6 months at 24.99% APR is repaid in 6 monthly payments of $71.61, for a total of $429.66, including $29.66 in finance costs. For illustration only; the rate, payment and length that bind you come from whichever licensed lender you settle on.

Looking at choices and sending a request through Lafet carries no charge. We will not bill you a usage fee and we ask for nothing up front. Partners in our network may pay us compensation. Any such payment leaves untouched whatever a lender would charge you.

Please keep the details you submit truthful, put the Platform only to lawful use, and refrain from copying, scraping, breaking, or otherwise tampering with it. Before agreeing to anything, it is on you to read in full the contract a partner puts in front of you.

Every licensed lender you meet through Lafet stands as a separate company. Their choices, offerings, paperwork, and behavior are outside our hands and outside our responsibility. Once you deal with a partner, that partner’s own contract and disclosures govern the relationship.

We hand you the Platform on an “as is” and “as available” footing and make no promises of any sort about it, spoken or unspoken. That includes disclaiming the usual unspoken assurances around marketability, suitability for a given goal, and respect for third-party rights. We give no guarantee that the Platform runs without pause or mistake, nor that any listed choice will turn out to be open to you.

So far as the law allows, Cash Advance for CO Inc. carries no responsibility for damages that are roundabout, knock-on, special, exemplary, or punitive and that grow out of your dealings with the Platform. If you ever hold a valid claim tied to the Platform, the ceiling on what we could owe equals the fees you paid us, which is typically nothing given that Lafet is free.

Should your misuse of the Platform, or your breach of this agreement or of the law, lead to claims, losses, or costs against Cash Advance for CO Inc., you agree to stand in our defense and make us whole.

Ahead of any formal step, you commit to writing to us first and allowing a 30 day window for an informal fix. Where that window closes without a fix, both you and Cash Advance for CO Inc. accept that any disagreement touching the Platform goes to private, binding arbitration run under the Federal Arbitration Act rather than to a courtroom, though either side keeps the option of a personal claim in small-claims court. Both sides surrender any entitlement to a jury, and both accept that claims travel solely one person at a time, never as a class or on behalf of others. You can step out of this arbitration promise by writing to support@cashadvanceforco.com, subject line Arbitration Opt-Out, inside 30 days of your first acceptance here.

These rules answer to United States federal law, and, when a state question surfaces, to the law of the State of Colorado, where Cash Advance for CO Inc. is formed. The arbitration promise above answers to the Federal Arbitration Act.

From time to time we may revise this document. Where a revision is meaningful, the effective date near the top will move. Staying on the Platform past a revision signals that the new version sits well with you.

Cash Advance for CO Inc.
Email: support@cashadvanceforco.com
Support: https://cashadvanceforco.com/help-and-support.html

Cash Advance for CO Inc. All rights reserved.