Lending Policy

Our Commitment to Fair Lending

We’re dedicated to protecting consumers and promoting responsible lending practices. We’re committed to transparency and fairness in all aspects of our service.

Fair and Transparent Practices

We adhere to the Fair Lending Act and other relevant regulations to ensure that all loan terms are clear and understandable. Before you accept a loan, you’ll receive a written disclosure detailing:

Interest rates
Fees
Repayment terms
Rollover charges

Fair Debt Collection Practices

We work with lenders who comply with the Fair Debt Collection Practices Act (FDCPA). This means they:

Respectful Communication: Avoid harassing, abusive, or deceptive practices.
Reasonable Contact Times: Limit calls to reasonable hours.
Legal and Ethical Methods: Use only legal and ethical methods for debt collection.

State Regulations

We encourage lenders to follow all state and federal regulations, including:

Interest Rate Caps: Limiting the maximum interest rate.
Loan Term Limits: Restricting the duration of loans.
Rollover Restrictions: Limiting the number of times a loan can be extended.
Fee Caps: Setting limits on fees and charges.
Cool-Off Periods: Requiring a waiting period between loans.

Your Rights as a Borrower

We believe in empowering consumers. If you have any concerns about your loan or the lending practices of a lender, please contact us or your state’s consumer protection agency.

By working with reputable lenders and adhering to strict standards, we strive to provide a safe and responsible lending experience.