CREDIT ACCESS BUSINESS (CAB) PAYDAY LOAN
MiWay Finance Inc is not the lender for any loans made on this website. MiWay Finance Inc is a Credit Access Business registered with the Texas Office of Consumer Credit Commissioner
(OCCC).
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MiWay Finance Inc is not the lender for any loans made on this website. MiWay Finance Inc is a Credit Access Business registered with the Texas Office of Consumer Credit Commissioner
(OCCC). We will attempt to arrange a loan between you and a third-party lender and facilitate that loan once it is granted. Any questions, or complaints about your loan will be handled
by MiWay Finance Inc and not the third-party lender.
This business is licensed and examined by the State of Texas-Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with
credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.texas.gov.
“An advance of money obtained through a cash advance or auto title loan is not intended to meet long-term financial needs. A cash advance or auto title loan should only be used to meet
short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.”
This Site may be accessed from countries other than the United States. This Site may contain products and services or references to products and services, which are not available
outside of the United States. Any such references do not imply that such products will be made available outside the United States. If you access and use this Site outside the United
States you are responsible for complying with your local laws and regulations.
OCCC - SEC. 393.222. POSTING OF FEE SCHEDULE:
Interest and fees will be charged as per the schedules set out under the PRODUCTS tab on this website, read together with the official Consumer Disclosure Forms as displayed below.
TERMS OF LOAN
Please ensure that you are properly acquainted with the terms and conditions of each loan before conclusion.
REPAYMENT
You have the full right to completely pay off your loan on or before due date.
RENEWAL POLICY
No Renewals of Loans are automatic. All New loans are subject to employment and affordability criteria. Each loan carries its standard fees.
COLLECTION POLICY
Collections are done electronically, either via a card processing gateway or ACH, and in certain circumstances via cheque..
NON-PAYMENT
Non-payment will result in additional charges and interest. Such debt may be handed over to our external collection agency and their Attorneys, or ceded to other parties. Read More
Non-payment will result in additional charges and interest. Such debt may be handed over to our external collection agency and their Attorneys, or ceded to other parties. Not paying your loan could
impact your Credit Rating and make it difficult to qualify for finance at other Credit Providers.
State License
CSO CERTIFICATE
CONSUMER DISCLOSURE FORM EXAMPLES:
These links lead to disclosures, required by the state of Texas for all residents applying for a CAB loan or an extension, which outline the total costs associated with these types of loans of different amounts.
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By submitting an application for, or making use of credit obtained through MiWay Finance Inc, such Applicant/Borrower agree and submit to the following:
MOBILE PHONE DETAIL ACCESS AUTHORIZATION:
“I, the Applicant/Borrower, authorize my wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose my mobile number,
name, address, email, network status, customer type, customer file, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if
available, to MiWay Finance Inc’s third party service provider, solely to verify my identity and prevent fraud for the duration of the business relationship. Read More
“I, the Applicant/Borrower, authorize my wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose my mobile number,
name, address, email, network status, customer type, customer file, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if
available, to MiWay Finance Inc’s third party service provider, solely to verify my identity and prevent fraud for the duration of the business relationship.” See our Privacy
policy for how we treat your data.
BANKING DETAIL PROVIDED BY THE APPLICANT/USER, AND BANK ACCOUNT VALIDATION OF FUNDS AND BALANCE:
“I, the Applicant/Borrower, represent that I am a legal owner, or an authorized user, of the bank accounts at the financial institutions which I provide during my Application or
ensuing business relationship to MiWay Finance Inc and their third party service providers, and that I have the authority to.. Read More
“I, the Applicant/Borrower, represent that I am a legal owner, or an authorized user, of the bank accounts at the financial institutions which I provide during my Application or
ensuing business relationship to MiWay Finance Inc and their third party service providers, and that I have the authority to (i) designate MiWay Finance Inc and their third party
service providers as my agent, and (ii) give MiWay Finance Inc and their third party service provider the authorization to utilize my passwords, usernames, and all other
information I provide to retrieve information about me. I am licensing to MiWay Finance Inc and their third-party service provider, and my financial institution any information,
data, passwords, usernames, PINS, personally identifiable information or other content I provide. I authorize MiWay Finance Inc and their third party service provider to use any
information, data, passwords, usernames, PINS, personally identifiable information or other content I provide, or that MiWay Finance Inc and their third party service provider
retrieve on my behalf for purposes of verifying my account at the financial institution and for other permissible business purposes. Except as otherwise provided herein, MiWay
Finance Inc and their third-party service provider may store, use, change, or display such information or create new content using such information.”
APPLICANT’S/BORROWER’S RIGHTS UNDER THE FEDERAL FAIR REPORTING ACT (FCRA):
As MiWay Finance Inc and their third party service providers will make use of several sources of consumer data during the course of the application process and any ensuing business
relationship, for purposes of evaluation and re-evaluation of the consumers’s credit worthiness and ability to repay, as well as Read More
As MiWay Finance Inc and their third party service providers will make use of several sources of consumer data during the course of the application process and any ensuing business
relationship, for purposes of evaluation and re-evaluation of the consumers’s credit worthiness and ability to repay, as well as ascertaining the date and time with the highest
probability of success of submission of electronic payments, the Applicant/Borrower is referred to his rights in terms of the Federal Fair Credit Reporting Act (FCRA). A summary
of your major rights under the FCRA can be found at the following website: Consumer Finance For more
information, including information about additional rights, go to Learn more about Consumer Finance , or write to: Consumer Financial Protection Bureau, 1700 G Street N.W.,
Washington, DC 20552.