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Welcome to DimeBucks Financial d/b/a oakparkfinancial.com’s web site (“Site”), https://dimebucks.com (“oakparkfinancial.com,” “we” or “us”) (the “Site” or “Website”). DimeBucks Financial is the sole owner of the Site. These are the terms and conditions that apply to your use of the Site. If you use our Site, you agree to these website’s terms. You should check this page regularly for changes, as continued use of the Site will signify your constitutes acceptance of any new items.
The oakparkfinancial.com name and oakparkfinancial.com-branded seals, logos, and related marks are registered trademarks/design marks of oakparkfinancial.com or its affiliated companies. The oakparkfinancial.com Website seal and other such marks are trademark/certification mark(s)/service mark(s) of oakparkfinancial.com. All rights reserved.
Our Site and all its contents (articles text, photographs, illustrations, graphics and video material, audio material, and software — collectively the “intellectual propriety”) are protected by copyright and trademark laws in the United States as well as international conventions. DimeBucks.com owns or controls intellectual property rights. The Site is also protected by copyright as a collective work and/or compilation.
No part of this Site may be copied, duplicated, sold, or otherwise exploited for any commercial purpose unless oakparkfinancial.com specifically authorizes it.
You can browse the Site and download small quantities of material that you find interesting. All copyright, trademark, and other notices found in your copies must be preserved except as provided by these Terms & Conditions. You are not permitted to reproduce or permit others to reproduce your copies.
You may also not make them available electronically without our written consent. A significant amount of material on the Site may not be saved or archived. It is forbidden to modify or alter the Site’s user generated content. Except as stated in these Terms and Conditions, you are prohibited from copying, downloading, publicly display, publishing, entering into a database, or performing any other activity than what is permitted.
This Site may not be used for any illegal content or prohibited purpose or cause damage on or through the Site. All communications you make through or with the Site comply with applicable local, state, or national law.
You agree to defend, indemnify and hold oakparkfinancial.com, its officers, directors, employees, agents, licensors, business associates, and suppliers harmless from and against any actual or threatened claims, actions or demands, liabilities, and settlements including, without limitation, reasonable steps legal fees and accounting fees, resulting from, or alleged to result from, your use of the Site in a manner that violates or is alleged to violate this Terms and Conditions statement or any applicable law.
Certain areas of this Site enable you to apply for financial services through oakparkfinancial.com. Each state/territorial where oakparkfinancial.com has been licensed will set out the use agreement such as License Agreement[s] governing those loans. oakparkfinancial.com has the right to refuse or accept your loan application after receiving your application.
DimeBucks.com may include bulletin boards, chat areas, newsgroups, forums, communities, or personal web pages. There might also be calendars or other communication tools that allow you to communicate with the general public or a specific group (collectively “Communication Services”). The Communication Services are only for sending, receiving, and posting appropriate and relevant messages to the specific Communication Service. You agree, but not as a limitation to the above, that you will not use a Communication Service for:
DimeBucks Financial is not obligated to monitor Communication Services. DimeBucks Financial reserves the right to examine any material posted to a Communication Service and remove it at its sole discretion. DimeBucks Financial reserves all rights to end your access to any or every Communication Service at any time period, without prior notice.
We reserve the right to at any time disclose any information necessary to comply with any applicable laws, regulations, or legal process, or to edit or refuse to post content information or materials at our sole discretion.
When you give out personally identifying account information about yourself and your children through any Communication Service, you agree to use caution. DimeBucks Financial is not held responsible for such content, messages, or information in any Communication Service. DimeBucks Financial expressly disclaims all liability concerning any Communication Service or any actions that may result from your participation. Managers and hosts, while not authorized DimeBucks Financial spokespersons, are royalty free to express their opinions.
There may be posted restrictions on using, reproducing, and disseminating materials uploaded to a Communication Service. If you download materials, you are responsible for complying with these limitations.
oakparkfinancial.com reserves all rights to refuse access to its website or any part thereof, at any time and without notice.
DimeBucks.com cannot guarantee the accuracy or completeness of the information on this Site. Reliance on information on the Site is at your risk
The SITE AND ALL ITS CONTENT BELONGS ARE PROVIDED “AS IS.” oakparkfinancial.com DOES NOT MAKE ANY WARRANTIES OR REPRESENTATIONS EXPRESSED OR IMPLIED. This includes, but is not limited to, the IMPLIED WARRANTIES MERCHANTABILITY, FITNESS TO A PARTICULAR PURPOSE OR TITLE, TITLE OR NO COPYRIGHT INFRINGEMENT of THE RIGHTS OTHER PARTIES ACCURACY, DATA ACCURACY, QUIET ENJOY
DimeBucks.com and any other parties involved in creating the Site or its contents will not be held liable for the damage or personal injury.
oakparkfinancial.com DISCLAIMS ANY WARRANTY OR REPRESENTATIONS REGARDING THIS SITE’S MATERIALS IN TERMS THEREOF OF THEIR TIMELINESS CORRECTNESS ACCURACY RELIABILITY OR ACCURACY. While we make our best efforts to provide accurate and timely information about oakparkfinancial.com on this Site, you should not assume that the information is always up-to-date or that all relevant information about our company is available. We are not obliged to verify or maintain the accuracy of such information.
The law that applies may not allow for the exclusion or limitation of liability for incidental, consequential, or other damages. Some of the limitations and exclusions above may not apply to your situation. However, in no event shall oakparkfinancial.com’s aggregate liability to you or any third party for such damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Site or 0, whichever is lesser. All actions must be brought within one year of the date that the cause of action accrues. Any actions filed after this effective date will be barred.
If you have a dispute with oakparkfinancial.com, you release oakparkfinancial.com (and our officers, directors, agents, and employees) from claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, suspected, and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such legal disputes.
Our Site may provide links to other websites not operated by oakparkfinancial.com. You are solely responsible for your legal action when you access any other linked sites to this Site. Third-party websites are not under our control. We cannot guarantee the reliability or accuracy of the information on third-party websites, even if a representative from our company leaves a comment or is quoted. We do not assume responsibility for any content or online services provided by third-party sites. Statements made on third-party Websites linked to or from this Site reflect only the views of their authors and not oakparkfinancial.com.
Unless otherwise outlined in a written agreement between you and oakparkfinancial.com, you may link your Web site to the home page of our Site. [provided that you adhere to the following linking policy: (i) any link to oakparkfinancial.com’s Site must be a text-only link and marked “oakparkfinancial.com Site,” (ii) the appearance, position, and other aspects of the link may not be such as to damage or dilute the goodwill associated with oakparkfinancial.com’s name, trademarks, and certification marks, (iii) the link must “point” to the URL https://dimebucks.com and not to other pages within our Site, (iv) the appearance, position and other attributes of the link may not create the false appearance that your organization or legal entity is sponsored by, affiliated with, or associated with oakparkfinancial.com, (v) when selected by a user, the link must display the oakparkfinancial.com Site on full-screen and not within a “frame” on the linking Site, and (vi) oakparkfinancial.com reserves the right to revoke its consent to the link at any time and in its sole discretion.]
DimeBucks.com’s failure to enforce these Terms and Conditions shall not be deemed a waiver of any rights under these Terms & Conditions. DimeBucks.com’s receipt of funds or reliance on our actions will not be considered a waiver of any portion of these Terms and Conditions. A specific written waiver signed by an authorized representative at oakparkfinancial.com will have legal effect.
Any clause or provision in this Terms and Conditions Statement that is found to be illegal, invalid, or unenforceable under any law shall be removed. This will not affect the enforceability or validity of any other clauses or certain provisions.
This English-language Terms and Conditions statement is oakparkfinancial.com’s official agreement with other users of this Site. This English-language document will control in the event of any inconsistency between the English-language Terms & Conditions statement and its translation to another language.
A payday loan (sometimes referred to as a cash advance or a payday advance) is a small loan borrowed for a brief period of time, often until the borrower's next payday. These short-term loans feature high interest rates and need no collateral (unsecured loans). It is not advised to use payday loans for an extended period of time. The rates and terms of payday loans vary by state.
A title loan (sometimes referred to as a title pawn or a car title loan) is a short-term loan where the vehicle title serves as collateral. Due to the fact that lenders of title loans do not verify borrowers' credit histories, these loans are popular among those with poor credit. Typically, title loans are taken out by borrowers who need cash quickly or have financial issues.
Unsecured loans, such as payday loans or installment loans, are supported solely by the borrower's creditworthiness, as opposed to secured loans, which need collateral. Secured personal loans include car title loans and pawn loans, for example.
State rules determine the maximum amount you can borrow as a short-term loan. In certain states, short-term loans (also known as payday loans) are prohibited, while in others they are permitted with a maximum loan amount. Visit our rates and terms page to get state-specific lending conditions. In addition to state legislation, additional factors may alter the conditions of your loan.
A personal loan that is repaid over time with a predetermined number of periodic payments or installments is known as an installment loan. Due to the lower APR, installment loans can be taken out over a longer term than payday loans. Installment loans are commonly seen as a preferable alternative to payday loans. Typically, installment loans are repaid in predetermined amounts that include both principal and interest.
The Annual Percentage Rate, or APR, is an annualized version of your interest rate. When picking between several types of loans, the APR assists in comparing the costs of each. The annual percentage rate (APR) for a loan may include costs, such as origination fees. Remember that while APR is essential, it is only one of several elements to consider when selecting a loan.
Yes. Your credit score is not the only criteria taken into account when analyzing your loan application. However, a low credit score can result in higher interest rates and fewer lending possibilities. A title loan is a popular option for consumers with poor credit because title loan lenders do not consider credit history.
Credit score ranges differ depending on the credit scoring algorithm employed and the credit bureau that generates the score. According to FICO, a credit score between 300 to 579 is poor or very poor. A satisfactory credit score ranges from 580 to 670. Credit scores are determined differently depending on the credit scoring model's parameters, such as payment history, amounts owing, length of credit history, etc.