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GOVERNING LAW. The transactions related to payday loans will be deemed to have taken place in the offices of AAA Payday Advance UT, LLC and according to the laws of the State of Utah, regardless of where you may be viewing or accessing this site. or third party lenders do not utilize traditional credit checks as part of the payday loan approval process. However, AAA Payday Cash and third party lenders may, at their discretion, verify application information by using national databases, including but not limited to CL Verify, Tele-Track, etc. that may include information relating to previous cash advance transactions that or third party lenders may take into consideration in the approval process.

AGREEMENT TO ARBITRATE DISPUTES. All disputes and controversies of every kind and nature between the parties hereto arising out of or in connection with this agreement as to the existence, construction, validity ,interpretation or meaning, performance, nonperformance, enforcement, operation, breach, continuance, or termination therefore, as well as whether the controversy or dispute is subject to arbitration, and the amount of any loss or damage, shall be submitted to arbitration in a jurisdiction to be chosen by AAA Payday Advance UT, LLC. The foregoing notwithstanding, the company retains the authority to institute an action in any court to recover sums due company by customer hereunder. The arbitration award shall be final and binding upon both parties and judgment upon such arbitration award may be entered in any court having jurisdiction. The parties specifically state their understanding that the Payday Lender cannot be sued in any court or any controversy or dispute. In the event this provision or any part thereof is held to be invalid or unenforceable for any reason, the remaining terms and conditions of this agreement shall not be effected thereby and shall remain in full force and effect.

AGREEMENT NOT TO BRING OR PARTICIPATE IN CLASS ACTIONS. To the extent permitted by law, you agree not to bring, join or participate in any class action as to any claim, dispute or controversy you may have against AAA Payday Advance UT, LLC. or its employees, officers, directors, assignees and servers. You agree to the entry of injunctive relief to stop such a lawsuit or to remove yourself as a participant in the suit. This agreement is not a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This agreement not to bring or participate in class action suits is an independent agreement and shall survive the closing and repayment of the loan for which you are applying.

RETURNED TRANSACTIONS. In the event that any transaction, ACH or EFT debit, that you have authorized returns to AAA Payday Advance UT, LLC for any reason: (1) you agree to pay a returned check charge of $20.00; (2) in the event that we initiate collection activity on your account, you agree to be responsible for collection fees, court costs and fees, and all reasonable attorney fees, and (3) you authorize AAA Payday Advance UT, LLC to initiate debits to any bank accounts in your name in amounts up to and less than the amount owed until the amount owed is paid in full.

LOAN AMOUNTS AND FEES. currently provides payday loans ranging from $50.00 to $1000.00. The finance charge for these online payday loans is based on 300.00-1300.00 percent APR and the number of days of the loan. See fees for a complete breakdown of amounts and charges for various length loans.