5 Star Payday Loans
Last Updated: March 2026
By using the services offered by 5 Star Payday Loans, you agree to conduct business with us electronically. This Electronic Consent Agreement (“Agreement”) explains what that means, what you need, and what choices you have. Please read it carefully before proceeding.
1. What This Consent Covers
When you provide your consent, you authorize 5 Star Payday Loans to deliver the following types of communications and documents to you in electronic form rather than on paper:
– Loan applications and related forms
– Loan agreements, promissory notes, and amendments
– Required federal and state disclosures (including Truth in Lending disclosures)
– Account statements and transaction histories
– Privacy policy notices and updates
– Changes to fees, interest rates, or other loan terms
– Adverse action notices (such as denial or unfavorable terms)
– Any other notices or records related to your account or our services
2. How We Deliver Electronic Communications
We may send electronic communications to you through one or more of the following methods:
(a) Email — sent to the email address you provide during your application or later update in your account settings.
(b) Secure online portal — posted to your account dashboard on our website, where you can log in and view documents at any time.
(c) Text message (SMS) — if you have separately opted in to receive SMS communications from us.
It is your responsibility to regularly check your email and account portal for new communications.
3. Hardware and Software You Will Need
To receive, view, and retain electronic communications, you must have access to the following:
– A computer, smartphone, or tablet with internet connectivity
– A current version of a major web browser such as Google Chrome, Apple Safari, Mozilla Firefox, or Microsoft Edge
– Software capable of opening PDF files (such as Adobe Acrobat Reader or a built-in PDF viewer)
– A valid, functioning email account
– Sufficient storage space on your device or a printer to save or print documents for your records
4. Your Right to Receive Paper Copies
You may request a paper copy of any electronic communication we have sent you. To do so, contact us using the information in Section 8 below. We will provide the paper copy at no charge within 10 business days of receiving your request. Requesting a paper copy does not constitute withdrawal of your consent to receive communications electronically.
5. Your Right to Withdraw This Consent
Your consent to receive electronic communications is voluntary and is not a condition of obtaining any product or service from 5 Star Payday Loans. You may withdraw your consent at any time by contacting us using the information in Section 8. We will process your withdrawal request within 10 business days. Please note that withdrawing consent does not affect the legal validity or enforceability of any electronic communication provided to you before the withdrawal takes effect.
6. Keeping Your Contact Information Up to Date
You are responsible for making sure that the email address, phone number, and mailing address we have on file for you are accurate and current. If your contact information changes, update it promptly through your online account or by contacting us directly. Failure to maintain current contact information may result in you not receiving important communications about your account.
7. Electronic Signatures
Any electronic signature you provide — whether by clicking an “I Agree” button, typing your name into a signature field, or submitting an application or form through our website — carries the same legal weight and enforceability as a handwritten signature on a paper document. Each electronic signature is recorded in an audit trail that captures the date, time, and IP address associated with the action.
8. How to Contact Us
If you have questions about this Agreement, wish to request paper copies, or want to withdraw your consent, you can reach us at:
Phone: (302) 564-2861
Email: legal@5starpersonalloans.com
Mail: 5 Star Payday Loans, 501 Silverside Rd # 48, Wilmington, DE 19809
9. Your Acknowledgment
By clicking “I Agree,” you confirm that:
– You have read and understand the terms of this Electronic Consent Agreement.
– You consent to receive communications, disclosures, and documents from 5 Star Payday Loans in electronic form.
– You have the necessary hardware and software to access, view, and store electronic communications.
– You understand that you may request paper copies of any electronic communication at no cost.
– You understand that you may withdraw your consent to electronic communications at any time.