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Applying does NOT affect your FICO® credit score!

Responsible Lending Policy

Helping our clients obtain the loan they need is our main goal. But one thing you need to know about us is that we are not actually a loan provider. What we do instead is help you find suitable lenders. By connecting you with a lender who can make a good loan offer to you, we ensure that you have access to a loan that can help you fulfill your needs. It will all happen depending on the information you offer.

Applying does NOT affect

your FICO® credit score!

You shouldn’t have any safety concerns. When we allow lenders to join our network, we do our best to make sure that all of them are good and fair lenders who won’t put you in a risky situation. To be a little more specific, we first make sure that all lenders are adhering to all laws, such as local, state, and federal ones. Thanks to this, the lending practices used by the lenders will be fair and responsible.

Short-term loans may be hard to understand at first, especially when you see how they are regulated differently depending on the state. Knowing that, we don’t want you to be in the dark. Here, you’ll find all the information you need to be aware of when it comes to U.S. short-term loans.

We always reveal important information about the laws that will keep our clients safe. Please read the details we offer below so you know what you’re signing up for. Thus, you can be sure you make the right decisions.

Fair Lending Act

We have a Fair Lending Act in place that makes sure to treat all clients equally. What this means is that no consumer is going to be judged based on race, religion, gender, age, or any aspect that isn’t financial.

Thanks to this act, more consumers will be able to obtain the loan help they seek, no matter their non-financial background. Of course, this is possible only if the consumer can meet the financial and legal guidelines in play when it comes to obtaining a loan.

No matter what, you should get in contact with the local Consumer Financial Protection Bureau where you can find the Equal Opportunity and Fair Lending Office if you think you are the victim of discrimination.

Fair Debt Collection Practices Act

We also have a Fair Debt Collection Practices Act in place. We strongly advise our customers to follow the guidelines in this act. Although we are not a lender, we do connect you with lenders who will be able to use every lawful means they could to take back the money you owe when the loan is unpaid. When they do this, they need to follow the rules in the act:

  • Not contacting any debtor before 9 A.M. or after 8 P.M., in the debtor’s time zone
  • Not threatening to use any legal action when not necessary
  • Not using any sort of language considered oppressive, harmful, or harassing to try to recover their debt
  • Never falsify information or be deceptive to recover the debt

Whoever is found violating these rules will be removed from the network and immediate legal action will be taken.

Truth in Lending Act

What this act consists of is making sure that every single consumer is well-informed about the loan offer available before they agree to take the loan. No matter what, lenders must make sure to offer as much information as possible about the loan fees, rates, and interest. The lender will be required to inform the consumer according to the state.

How Things Differ Based on State

You should know that there are different state regulations. As such, your state may have different regulations compared to another. Individual states will sometimes regulate fees, loan amounts, available rollover numbers, interest, and other such things. You can find all the necessary information available in our section titled Rates and Fees. This will also redirect you to government websites where you can find more information depending on the state.

Applying does NOT affect

your FICO® credit score!

Do you have any further questions?