Responsible Lending

Responsible Use of Credit

Supaloan.com is operated by Credit Boxed Inc. Credit Boxed Inc. is not a lender, creditor, loan originator, loan servicer, or agent of any lender. We do not make credit decisions, underwrite loans, fund loans, service loans, collect payments, or guarantee approval, funding, rates, fees, repayment terms, or any loan amount. Supaloan.com provides a loan connection and consumer financial marketing service. When you submit a request, your information may be shared with participating lenders, loan marketplaces, lead buyers, financial service providers, verification providers, marketing partners, and other service providers that may review, process, respond to, or help facilitate your request. Using credit involves risk. Before accepting any loan or financial product, carefully review the lender’s or provider’s terms, APR, finance charge, fees, repayment schedule, renewal terms, late payment terms, and consequences of non-payment.

Disclosure of Rates, Fees, and Loan Terms

Credit Boxed Inc. does not set or control APRs, rates, fees, finance charges, repayment terms, renewal terms, funding timelines, or loan conditions. These are determined by the applicable lender or provider. Federal and state laws may require lenders to provide disclosures about the cost and terms of credit before you enter into a loan agreement. These disclosures may include the APR, finance charge, amount financed, payment schedule, total repayment amount, late payment fees, and other important terms. You should read all disclosures and loan documents carefully before accepting any offer. Do not accept a loan unless you understand the total cost and believe you can repay it.

State and Federal Requirements

Participating lenders and providers are responsible for complying with the federal, state, tribal, and local laws that apply to their products and services. Product availability, loan amounts, rates, fees, repayment periods, and eligibility rules may vary by state, provider, product, and consumer circumstances. Some products may not be available in your state. If a lender or provider does not operate in your state or determines that you do not meet its criteria, you may not be connected with that lender or provider. This Website and Service are void where prohibited.

Credit Checks and Verification

Credit Boxed Inc. does not make credit decisions and does not approve or deny loan requests. Participating lenders, loan marketplaces, financial service providers, verification providers, and other authorized parties that receive or review your request may verify your information and, where permitted by law, obtain consumer reports, credit reports, credit scores, specialty reporting data, fraud prevention data, bank verification data, income or employment verification data, or other information to evaluate your identity, eligibility, creditworthiness, fraud risk, or ability to repay. Your request may be reviewed by more than one party, and more than one party may obtain or use information about you. The impact, if any, on your credit score will depend on the type of inquiry performed and the practices of the applicable provider.

Debt Collection and Repayment

Credit Boxed Inc. does not collect loan payments and does not conduct debt collection for lenders or providers. If you accept a loan, repayment obligations will be set out in the lender’s or provider’s loan agreement. Late payments, missed payments, non-payment, renewals, extensions, or refinancing may result in additional fees, interest, collection activity, negative credit reporting, or other consequences depending on the lender’s terms and applicable law. Debt collection activities may be subject to federal and state laws, including the Fair Debt Collection Practices Act where applicable. Debt collectors may not use abusive, deceptive, or unfair practices when collecting consumer debts. If you believe a lender, provider, or debt collector has acted improperly, you should contact that party directly and may also submit a complaint to the appropriate regulator or consumer protection agency.

Responsible Borrowing 

Short-term and small-dollar loans are not intended to solve long-term financial problems. You should not borrow more than you can afford to repay.

Before accepting any loan, consider:

  • the full repayment amount;
  • the APR and finance charge;
  • the payment due dates;
  • whether repayment will leave you able to cover essential expenses;
  • what happens if you miss a payment;
  • whether renewal, rollover, refinancing, or extension will add costs;
  • whether lower-cost alternatives may be available; and
  • whether independent financial advice or credit counseling may be appropriate. 

You are under no obligation to accept any offer. If you do not understand the terms or cannot afford the repayment, you should not proceed.

Questions About a Loan

For questions about a loan offer, loan agreement, APR, fees, repayment, funding, servicing, renewals, extensions, late payments, or collections, contact the applicable lender or provider directly. Credit Boxed Inc. does not control those terms or decisions. Use of this Website is subject to our Terms and Conditions, Privacy Policy, E-Consent, and other disclosures presented to you.