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Responsible Lending

Our commitment to ethical practices and consumer protection

Our Lending Principles

We partner only with lenders who share our commitment to responsible lending

Consumer Protection

We prioritize your financial well-being and work only with lenders who comply with federal and state regulations.

Fair Pricing

All rates and fees are clearly disclosed upfront. No hidden charges, no surprises.

Clear Communication

We use plain language to explain loan terms so you can make informed decisions.

Fair Treatment

Every applicant is treated with respect and evaluated fairly based on their financial profile.

Our Standards

What We Require

  • Full disclosure of all rates, fees, and terms before acceptance
  • Compliance with Truth in Lending Act (TILA)
  • Clear repayment schedules and payment due dates
  • Ability to repay assessment before lending
  • Secure handling of personal information
  • Fair collection practices
  • Option for early repayment without penalty (most lenders)

What We Prohibit

  • Hidden fees or undisclosed charges
  • Misleading advertising or promises
  • Harassment or abusive collection tactics
  • Lending without proper verification
  • Discrimination based on race, religion, or other protected characteristics
  • Encouraging borrowers to take on unaffordable debt
  • Unauthorized sharing of personal data

Responsible Borrowing Tips

Before You Borrow

  • Assess your need: Make sure you truly need the loan and have considered alternatives
  • Create a budget: Ensure you can afford the monthly payments alongside your other expenses
  • Compare offers: Don't accept the first offer — compare rates and terms from multiple lenders
  • Read the fine print: Understand all fees, penalties, and terms before signing
  • Borrow only what you need: Taking more than necessary means paying more in interest

During Your Loan

  • Pay on time: Set up automatic payments or reminders to avoid late fees
  • Pay more when possible: Extra payments can reduce your total interest cost
  • Keep records: Save all loan documents and payment confirmations
  • Contact your lender: If you're having trouble making payments, reach out before you miss one

Warning Signs of Predatory Lending

Avoid lenders who:

  • Pressure you to borrow more than you need
  • Don't clearly explain all fees and terms
  • Guarantee approval without checking your finances
  • Ask you to lie on your application
  • Have no physical address or refuse to provide licensing information
  • Charge fees before providing the loan