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Lending Policy

While you can trust our lenders to provide you with fair service, take the time to familiarize yourself with the loan lending policies. These policies are in place to protect consumers like you from unfair terms and financial hazards.

Fair Lending

Expect our lenders to follow the ideas presented in the Dodd-Frank Wall Street Reform Act, which demands that lenders offer “fair, equitable, and nondiscriminatory access to credit for consumers.” In the event that your lender doesn’t adhere to these policies, contact the Consumer Financial Protection Bureau. Visit the following resources for further details:

Truth in Lending Act

Many consumers are wary of possible hidden costs and fees associated with their cash advance loans. However, a federal law known as the Truth in Lending Act is in place to protect consumers from any costly surprises. According to the act, loan lenders must present consumers with written statements that disclose the following:

  • Interest rates of the loan
  • Potential rollover charges
  • Late fees
  • Any additional information regarding costs and terms

Fair Debt Collection Practices

Fair Debt Collection Practices exist to protect consumers from payday loan lender harrassment. According to these regulations, lenders cannot contact consumers at unreasonable hours of the night, use profane language at anytime, threaten legal recourse when unnecessary or utilize deceptive actions to collect debts. If any loan lenders break these regulations, they should be reported to the Federal Trade Commission.

Loan Renewal Policy

Loan renewals extend the terms of your loan. These renewal policies are governed by local state regulations. Study the state regulations and the lender’s policy before signing the payday loan contract. The cost of renewal may add unwanted dollars to the end price of your loan, especially when coupled with late fees and interest rates.

Late Payment Policy and Non-Payment Policy

Cash advance loans are designed to provide financial aid to those in need; however, if you are not mindful of the late payment policy of your lender, you may increase your debt. Fortunately, you can spare yourself the trouble of additional fees by simply reviewing the lender’s late payment policy. While you can contact your lender if you foresee problems in the loan repayment process, it is best to avoid terms that you may not be able to fulfill.

If you have accepted repayment terms that you cannot handle, you may be subject to consequences including fees and penalties. Check with your lender for details Form a repayment plan prior to agreeing to the contract. A reliable plan will steer you away from the consequences of failing to pay back your payday loan. It will also contribute to your overall goal of escaping your debt woes and regaining financial stability.

State Payday Loan Regulations

The lenders you find in the network must construct contracts that coincide with both federal and local state laws on payday loan lending. The following are some examples of terms that may be influenced by these regulations:

  • Rollover fees and limits
  • Maximum loan term lengths
  • Periods between loans
  • Presentment limits
  • Interest rates