Consumer Protection
We only work with lenders who comply with all federal and state consumer protection laws.
Fair Pricing
All rates and fees are disclosed upfront. No hidden charges or surprise costs.
Clear Communication
Loan terms are explained in plain language so you understand what you're agreeing to.
Fair Treatment
We prohibit discrimination based on race, gender, age, religion, or national origin.
Our Lending Partner Standards
What We Require
- Licensed and regulated in operating states
- Transparent disclosure of all terms and fees
- Fair collection practices
- Clear and understandable loan agreements
- Responsive customer service
- Compliance with TILA, ECOA, and FCRA
What We Prohibit
- Hidden fees or bait-and-switch tactics
- Discriminatory lending practices
- Harassment or abusive collection methods
- Lending without ability-to-repay assessment
- Excessive or predatory interest rates
- Deceptive marketing or advertising
Tips for Responsible Borrowing
Borrow Only What You Need
Just because you qualify for a higher amount doesn't mean you should borrow it.
Understand the Total Cost
Look at the APR and total amount you'll repay, not just the monthly payment.
Create a Repayment Plan
Make sure the monthly payment fits your budget before accepting a loan.
Read the Fine Print
Understand all terms, including late fees and prepayment penalties.
Compare Multiple Offers
Shop around and compare rates from different lenders before deciding.
Warning Signs of Predatory Lending
Be cautious of lenders who:
- • Pressure you to borrow more than you need
- • Refuse to provide written terms before signing
- • Charge upfront fees before approving your loan
- • Guarantee approval regardless of credit
- • Are not licensed in your state
- • Use aggressive or threatening tactics
Questions About Responsible Lending?
Our team is here to help you understand your options and make informed decisions.