Last Updated: January 20, 2026
These Terms of Use (“Terms”) govern your access to and use of the 11Hour Cash Advance mobile application, website, and related services (collectively, the “App”), operated by 11th Hour Finance LLC (“we,” “us,” or “our”). By accessing or using the App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not access or use the App.
The App is a platform that enables users to explore potential cash advance and loan options offered by third-party financial service providers. 11th Hour Finance LLC does not originate, issue, fund, or service loans directly. All lending decisions, loan terms, conditions, and contractual obligations are determined solely by the independent third-party providers.
To use the App, you must:
You are solely responsible for maintaining the confidentiality of your account credentials and for all activities conducted under your account. You agree to notify us immediately of any unauthorized use or suspected security breach.
Annual Percentage Rates (“APR”) represent the annual cost of borrowing, including interest and applicable fees. Loan offers presented through the App may vary and can reach up to 35% APR, depending on:
All APRs, fees, and total repayment amounts will be clearly disclosed to you by the lender prior to accepting any offer.
Repayment schedules are determined by the individual lender and may vary by product. Typical repayment terms range from 3 to 24 months. Before accepting any loan offer, you will be provided with a complete repayment schedule that includes:
Loan repayments are typically processed via electronic bank transfers (e.g., ACH debit). Alternative payment methods may be offered by the lender. You are responsible for ensuring that sufficient funds are available to avoid late fees, penalties, or returned payment charges.
Any applicable fees—including but not limited to origination fees, late payment fees, returned payment fees, or expedited processing charges—will be fully disclosed before you accept a loan offer. There are no hidden fees imposed by the App itself.
Certain lenders may allow early repayment without penalty, which may reduce the total cost of borrowing. You should review your specific loan agreement for details regarding early payoff policies.
You agree to provide accurate, complete, and current information and to maintain such information throughout your use of the App. You agree not to:
We reserve the right to suspend or terminate accounts that are suspected of violating these Terms or engaging in unauthorized activity.
By using the App, you consent to receive electronic communications from us, including:
These communications are considered legally equivalent to written paper documents. Certain communications are legally required and may not be subject to opt-out.
By submitting your information through the App, you expressly authorize 11th Hour Finance LLC to:
Providing inaccurate, incomplete, or misleading information may result in denial of services, account suspension, or potential legal consequences.
The App is free for users. 11th Hour Finance LLC may receive compensation from third-party lenders or partners in the form of referral fees or marketing commissions if you are matched with a provider or obtain a financial product through the App.
Such compensation does not influence the terms, rates, or conditions of any loan offer provided to you.
You agree to use the App only in compliance with applicable laws and regulations. Prohibited activities include, but are not limited to:
Violation of these provisions may result in immediate account termination and legal action.
We reserve the right to modify, suspend, or discontinue any aspect of the App at any time without prior notice. Maintenance, updates, or technical issues may result in temporary interruptions.
11th Hour Finance LLC shall not be held liable for any service interruptions, delays, or modifications.
All content within the App—including but not limited to text, graphics, logos, software, and data—is the property of 11th Hour Finance LLC or its licensors and is protected by applicable intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes only. Any unauthorized use, reproduction, or distribution is strictly prohibited.
The App and all associated content are provided on an “as is” and “as available” basis.
11th Hour Finance LLC makes no representations or warranties, express or implied, regarding:
Your use of the App is at your sole risk.
To the fullest extent permitted by law, 11th Hour Finance LLC shall not be liable for:
In no event shall our total liability exceed $100 per user, unless otherwise required by applicable law. Certain jurisdictions may not allow these limitations.
You agree to indemnify, defend, and hold harmless 11th Hour Finance LLC, its affiliates, officers, employees, and partners from and against any claims, damages, losses, liabilities, or expenses arising out of:
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.
Any disputes arising out of or relating to these Terms shall be resolved through binding individual arbitration under the Federal Arbitration Act. You agree to waive any right to participate in class actions or class-wide arbitration.
If arbitration is found to be unenforceable, disputes shall be resolved exclusively in the state or federal courts located in Delaware.
We reserve the right to suspend or terminate your access to the App at any time, with or without notice, in cases of:
You may discontinue use of the App at any time by uninstalling it and, where applicable, closing your account.
All provisions relating to liability, indemnification, and dispute resolution shall survive termination.
We may update these Terms periodically. When changes are made, the “Effective Date” will be updated accordingly. Material changes may be communicated via email or in-app notifications.
Your continued use of the App after such updates constitutes your acceptance of the revised Terms.
If you have any questions regarding these Terms, please contact:
11th Hour Finance LLC
Email: [email protected]