Responsible Lending Practices
We take extra care to put forth the maximum effort in matching borrowers with legitimate lenders whose loan products meet their needs. A major part of our service is to provide educational material and other information related to short-term lending in the US, so that borrowers can make informed decisions when assessing their credit options.
Fair Debt Collection Practices Act
Our lenders must adhere to the provisions of this act, including taking no harmful or oppressive measures while collecting debt, or contacting debtors outside of accepted hours (9am – 8pm). Any lender found in violation will be immediately removed from our network and reported to law enforcement.
Fair Lending Act
All consumers should have equal access to loans and other kinds of credit, regardless of age, gender, race etc., as stipulated by this act. If you feel you have been discriminated against, contact your local Consumer Financial Protection Bureau’s Equal Opportunity and Fair Lending Office.
Truth in Lending Act
Lenders must always disclose all relevant information about a loan offer – such as interests rates and fees – before allowing any commitment from consumers. This regulation applies for all states according to their own specific regulations regarding short-term lending.
A number of states have their own unique regulations in place for protecting consumers who apply for short-term loans. This may involve different interest rates or fees compared to other states, so it’s important to look into these before applying for a loan.