Terms and Conditions

Xpress Cash would like to thank you for visiting this web site.  Xpress Cash, the owner and operator of this web site, provides and maintains the site for your personal information.  By choosing to access and use this site, you accept and agree, without limitation, to the following terms and conditions:

Intellectual Property

All intellectual property contained in this site including trademarks, titles, characters, trade names, graphics, designs and other properties, including all software, text and images are protected intellectual properties owned by Xpress Cash, its licensees, or other third parties who have authorized use of such properties on this site. Xpress Cash will aggressively enforce its intellectual property rights to the fullest extent of the law. The linked CFSA site and the intellectual property displayed thereon are the property of Community Financial Services Association of America.

Your Use of This Site

Xpress Cash grants permission to visitors of this site to view and make copies of documents, pages, images or other materials or content on this site for the purposes of obtaining a loan from Xpress Cash for your non-commercial, personal use. Xpress Cash reserves all other rights in this web site and its contents. Xpress Cash does not grant permission to distribute, display, transmit or disseminate any such documents, pages, images, materials or content without the prior written consent of Xpress Cash. Except as expressly provided on this site, nothing contained on this site shall be construed as conferring any right or license under any trademark, copyright or other intellectual property right.

Limitation of Liability and Disclaimer of Warranties

Xpress Cash makes a reasonable effort to ensure that the information on this site is accurate, but cannot guarantee such accuracy. Xpress Cash makes no representations regarding the use or results of any content on this site as to its accuracy, reliability or any other matter. NEITHER Xpress Cash NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING OR DELIVERING THIS SITE SHALL BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO, OR USE OF, THIS SITE. Everything on this site is provided “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Because some jurisdictions may not allow the exclusion of implied warranties or limitation of certain types of damages, some of the above exclusion limitations may not apply to you. Check your local laws.


It is possible that this site may contain links to other sites maintained by third parties. Xpress Cash is not responsible for the content or privacy policies of those sites.  Additionally, the existence of such links to third party sites should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites.


Any personal data supplied through this site will be used by Xpress Cash in accordance with its Privacy Policy.

Offers Void In Some States

The offers advertised on this site may be void in some states. Please visit our Locations page for more information about the services Xpress Cash provides in each state. Cash Advances are offered in MI and ID only. Installment Loans Are offered in WI only. Title Loans are offered in ID only.

Users Outside U.S.

Xpress Cash maintains this site from its corporate offices in Wausau, Wisconsin, U.S.A. Xpress Cash does not make any representation that the documents, pages, images or other materials or content on this site are appropriate or available for use in jurisdictions outside the U.S.A.


The right to modify any of the terms and conditions from time to time is reserved by Xpress Cash. Your use of this site after such a modification will constitute your acceptance of, and your agreement to, any new or amended terms and conditions.

Promotional Text Offers

Thank you for being customer of the Xpress Cash companies (Listed Above) and receiving text messaging reminders and promotional offers. In order to qualify for a promotional offer you receive in a text message, ALL of the following terms and conditions must be met.

  1. You must show the text message you receive to the branch staff at the time you originate your loan.
  2. You must sign the Discount Offer Disclosure Form when you originate your loan at the branch.
  3. You must complete your first payment in full on or before the due date listed in your loan contract.
  4. Text message offers are valid for up to 20 Days upon receipt of the text message unless otherwise specified in the text message offer you receive.

If you fail to meet ALL of the requirements listed above, you will not qualify for the promotional offer. Text message offers are only valid ONE time, and will not apply to future loans or transactions. Customers are only able to utilize ONE promotional discount offer per loan or transaction.

Refer-a-friend Program

Xpress Cash Management, LLC (XCM) and all subsidiaries of Xpress Cash Management, LLC (“we”, “XCM” or “Company”) may, from time to time, offer users of our service (“Service”) the opportunity to refer friends to try the Service (“XCM Refer-a-Friend program” or “Program”). We reserve the right to terminate the Program at any time for any reason. Program is subject to change without notice. Users (defined below) are bound by these Terms and Conditions by participating in the Program, and agree to use the Program in the manner specified in these Terms and Conditions. If you do not agree to these Terms and Conditions in their entirety, you are not authorized to register as a Referrer (defined below) or participate in the Program in any manner. Users may not participate in the Program where doing so would be prohibited by any applicable law or regulations. We reserve the right to modify or amend at any time, these Terms and Conditions and the methods through which Rewards are earned. We reserve the right to disqualify any User (defined below) at any time from participation in the Program if he/she does not comply with any of these Terms and Conditions. Users must be 18 Years of age or older to participate in the Program. No part of the Program is directed to persons under the age of 18. IF YOU ARE UNDER 18 YEARS OF AGE, YOU ARE NOT AUTHORIZED TO USE OR ACCESS THE PROGRAM AT ANY TIME OR IN ANY MANNER.