Responsible Lending Policy

APR and Fee Disclosure

As required by the Truth in Lending Act, all lenders must comply with its provisions. Before agreeing to a loan, the lender will provide you with documentation outlining the exact loan terms, including the interest rate and any applicable fees. It’s essential that you review this information carefully.

Compliance with Federal and State Regulations

Lenders available on this website are legally obligated to follow both State and Federal regulations. Each state also enforces its own laws governing installment loans.

Commitment to Fair Debt Collection Practices

Any collections activity by third-party debt collectors must comply with the Fair Debt Collection Practices Act (FDCPA), which is enforced by the Federal Trade Commission. The FDCPA ensures that debt collectors follow ethical practices, including:

• Not contacting you outside the hours of 8:00 a.m. to 9:00 p.m.

• Refraining from harassment or abusive language during phone calls.

• Avoiding deceptive tactics to collect payments.

• Not threatening legal action that isn’t permitted.

Dodd-Frank Wall Street Reform Act

This legislation mandates that lenders engage in fair lending practices, ensuring that credit is accessible in a non-discriminatory and equitable manner. If you believe your lender is not adhering to these guidelines, we encourage you to file a complaint with the Federal Trade Commission.

Legal Disclaimers

Participating lenders may request verification of your social security number, driver’s license, national ID, or other forms of identification and may cross-reference your data with national databases, such as Equifax, Transunion, and Experian, to assess your creditworthiness. Some lenders may also use alternative providers, such as CLVerify, Teletrack, or DP Bureau, to gather additional consumer information, typically without affecting your credit score. By submitting your information to this site, you authorize participating lenders to perform credit checks and verify your identity.

Lenders who compensate the operator of this site for leads may request certain personal details, such as your address, phone number, social security number, bank account information, and employment history. However, submitting this information on this site is not an application—it simply helps the lenders assess the potential fit between you and a lender. This website does not handle, process, or sell loan applications, nor does it facilitate the loan application process in any way. If you’re connected with a lender, you’ll need to complete a formal application with them.

We strongly advise that you research any lender you are introduced to and ensure they offer loans in your state, as this website does not guarantee the eligibility of lenders for specific locations. This site serves as a platform to connect borrowers and lenders, but it does not provide loan terms, nor does it offer guidance on the suitability of loans for your financial situation. Be sure to carefully read any loan terms and conditions provided by the lender, and consult with a loan agent or broker if you need further assistance. Remember that missed or late payments could lead to increased fees and interest rates. Loan terms, interest rates, and fees are subject to change without notice and may vary by lender.

The loan offers featured on this website come from lenders who pay the operator for successful leads. The rates provided are illustrative and offered by the lenders. Using this service is free of charge to you. While we strive to keep the information on this site up-to-date and accurate, we cannot guarantee loan approval or the terms advertised. Loans may not be available for all amounts or in all states, and this service is not available in West Virginia, New York, or the District of Columbia.