Terms of Use

The App provides an introductory personal-loan inquiry for adults in eligible U.S. states. Users select a requested amount, enter information in the financing-request form and decide whether to authorize its referral to Hatch Bank for independent review. The App does not extend credit, determine APR or fees, guarantee approval or promise any funding speed. Submitting a request does not mean instant loan approval or disbursement.

SEPFIN SAS operates the App, supports the introductory inquiry and is the marketing and referral operator. Hatch Bank is the identified financial institution for these referrals and independently handles any credit review, eligibility decision, loan offer, disclosures, funding and servicing. A loan contract, if offered and accepted, is between the borrower and the financial institution. The operator does not set interest rates or credit conditions. Official institution records: FDIC BankFind, Certificate 25803; FFIEC / Federal Reserve NIC, RSSD 733661.

A user selects the requested loan amount in U.S. dollars and completes the introductory request form. The submitted request contains the details entered by that user for the inquiry. The recipient and purpose of the referral are explained in these Terms and the Privacy Policy. With the user's authorization, the inquiry is referred to Hatch Bank for independent review. The bank can request further information through its own process. Submitting an inquiry does not create a loan agreement.

The referral service is available to adults aged 18 or older who reside in eligible U.S. states. A participating financial institution may require a regular source of income, a checking account, identity verification and other evidence. Availability and lawful eligibility vary by state and program. Meeting preliminary criteria does not guarantee approval.

The financing-referral program covers loan amounts from $100 to $2,500 (USD), repayment terms from 61 days to 60 months, and an APR range of 5.99% to 35.99%, inclusive of applicable fees included in the APR calculation. The maximum APR, including such fees, is 35.99%. No loans within the program require full repayment in 60 days or less; the minimum repayment period is 61 days. Applicable state restrictions and the bank's independent underwriting determine whether a particular request can result in an offer. These limits define the program and are not a guarantee of approval or any specific loan terms.

Any available lender offer must disclose the financed principal, interest rate and APR, finance charges and mandatory fees, payment frequency, number and amount of installments, first payment date, total repayment and applicable late-payment or prepayment conditions. The bank alone determines an individual offer based on its assessment. The borrower may review the lender's Truth in Lending Act and Regulation Z disclosures before accepting. No amount, rate or funding date is guaranteed by the App.

Illustrative example, not a loan offer. A $1,500 loan at a fixed 24.00% APR for 12 months, assuming monthly amortization and no additional fees, would have 11 monthly installments of $141.84 and a final installment of $141.83. The total repayment would be $1,702.07, including $202.07 in interest. For a hypothetical loan funded on January 1, 2027, installments would be due from February 1, 2027 through January 1, 2028. Any actual lender offer must show its APR, fees, total amount payable, first and subsequent due dates, and repayment schedule before acceptance.

SEPFIN SAS does not conduct independent underwriting or make lending decisions. Hatch Bank determines whether identity, income or credit-report verification is required. A bank credit inquiry may affect a credit score if it is a hard inquiry. No same-day funding, no-credit-check approval, or guaranteed lending outcome is promised by the App.

Submitting a preliminary inquiry is optional and does not obligate the user to accept a loan offer. The app does not charge an applicant a fee merely for submitting an introductory request. A lender may impose charges only if they are lawfully included and disclosed in the applicable credit offer and agreement.

SEPFIN SAS may receive marketing or referral compensation for eligible introductions under applicable commercial arrangements. Such compensation does not give the operator authority to approve loans, change APR or fees, or bind Hatch Bank to an offer.

Referral disclosure:

SEPFIN SAS operates Extra Cash Advance - HopCash at CALLE 88 22 33, BOGOTA, 110221, Distrito Capital de Bogota, Colombia. When you choose to submit a financing inquiry, the loan amount and the personal, contact, residence and financial information entered in the request are provided to Hatch Bank for independent credit review. Hatch Bank determines whether to make an offer and sets any loan terms. Submitting an inquiry is voluntary. You may stop without submitting it. Authorization to submit an inquiry is separate from permission for unrelated promotional messages or cross-company advertising tracking. For privacy requests, contact [email protected].

The information voluntarily provided in a financing inquiry is shared with Hatch Bank for independent assessment when the user authorizes submission. Any consent required for promotional communications or cross-company advertising tracking is distinct from authorization to submit a financing inquiry. Installing the App, browsing it or declining to submit a request does not itself authorize the referral.

Submitting a financing inquiry does not, by itself, provide blanket permission for unrelated promotional calls, emails or SMS. Service-related contact from the financial institution is governed by that institution's disclosures and applicable law. Users may exercise marketing communication preferences and any legally available opt-out rights through the sender's instructions or the operator's privacy contact.

SEPFIN SAS uses AppsFlyer for app-install attribution and campaign-performance measurement and OneSignal for optional push notifications. AppsFlyer processes attribution-related technical and app-usage information for measurement. OneSignal processes device notification information needed to deliver permitted notifications. iOS notification permission is optional and can be declined or disabled without affecting the financing inquiry. Advertising tracking that requires App Tracking Transparency (ATT) authorization is subject to the user's permission. Refusing tracking permission does not prevent submission of a financing inquiry. Details appear in the Privacy Policy.

The operator applies reasonable safeguards to information under its control and expects users to provide accurate details. Users must not impersonate others or interfere with the service. Never send online-banking passwords, one-time access codes or sensitive credentials to general support email. No system can guarantee absolute security.

For questions about loan approval, APR, fees, repayments, collection or a signed credit agreement, contact Hatch Bank through its official channels. The App operator handles its own technical, marketing and privacy issues at [email protected]. U.S. federal and applicable state consumer rights remain effective regardless of these Terms.

The App serves eligible U.S. users and follows applicable U.S. federal and state financial-marketing and privacy requirements. Since SEPFIN SAS is registered in Colombia, Colombian personal-data obligations may also apply to operations conducted by the operator. The lender's separate loan agreement governs any actual credit relationship. Material changes to these Terms will be published in the App or through another appropriate notice.