Responsible Lending

Responsible Lending Policy

All lenders within our network are required by law to accept all rules and regulations of State and Federal governments.  To understand our responsible lending policies please carefully read the following information.


Disclosure of APR and Fees

The Truth in Lending Act helps protect consumers in dealing with lenders.  It requires that lenders must disclose the precise details of your loan terms, including interest rates and fees before you agree to the loan.  This information will be provided to you when offering you a loan and you should carefully evaluate this information prior to agreeing to the loan. 


State and Federal Regulations

All lenders within our network are required by law to accept all rules and regulations of State and Federal governments. Each state also has their own laws that govern loans. 


Commitment to Fair Debt Collections

Collections activities by a third party are governed by the Fair Debt Collection Practices Act (FDCPA) and this is overseen by the Federal Trade Commission.  The act requires that they comply with fair collection practices including:

  • Not contacting you by phone outside of the hours 08:00am to 09:00pm

  • Not using abusive language towards you or harassing you over the phone

  • Not using deception to try to collect money from you

  • Not threatening you with legal action if it is not permitted

If your lender does not follow these rules, please contact and lodge a complaint with the Federal Trade Commission


Legal Disclaimers

The lenders who pay the operator of this site for the advertising services provided may ask that introductions are based on the information provided by prospective borrowers including but not limited to address, phone numbers, social security number, back account details and employment history.  The information that the prospective borrow submits on this site is not an application, it is information that is required by the lenders that we work with to decide if there is potentially a fit between a lender and a prospective borrower.  This Website does not accept, collect, or sell loan applications, and does not assist in the loan application process in any way.  Prospective borrowers will still need to complete and application with any lenders they are connected to via this Website. 

Participating lenders may verify your driver license number, national ID, social security number or any other state or federal identifications and may review your information against national databases including but not limited to Equifax, Experian and TransUnion to determine credit worthiness, credit standing and / or credit capacity. 

Your credit history can also be viewed and evaluated to determine your credit worthiness. In certain circumstances, credit checks or consumer reports through alternative providers such as CLVerify, Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders.  By submitting your information to this Website, you agree to allow any and all participating lenders to check your credit and validate your identification document.

Prospective borrowers should investigate any lender they are introduced to and should not obtain a loan from a lender that does not offer loans in their state. This Website does not guarantee that its prospective lenders are eligible to make loans in your state. This Website simply connects prospective borrowers and lenders – it does not provide any advice regarding the lenders that are introduced to prospective borrowers.   

When this Website makes an introduction only prospective lenders provide loan terms to prospective borrowers. This Website does not determine the suitability of loans to you, provides no advice regarding loan terms or any other aspect of a loan and does not present loan terms to prospective borrowers.  

It is recommended that any potential borrowers read any loan terms thoroughly and engage a loan broker or loan agent if advice is needed. Before agreeing to a loan offer, you should carefully consider each lender's terms and conditions to decide which loan works for you and your personal financial circumstances. Late or missed loan payments may be subject to increased fees and interest rates by the prospective lender. Interest rates and terms from prospective lenders are subject to change at any time without notice. 

Using the services of this Website is not a guarantee or obligation from the prospective lenders to provide a loan to you.  Prospective lenders offer no guarantee that you will be approved for credit or that upon approval you will qualify for the prospective lender's advertised rates, fees, or terms they have shown.   

The loan offers on this Website are from lenders who provide compensation to the operator of this Website for the advertising services provided. The rates detailed on this Website are illustrative examples only and are provided by prospective lenders. There is no financial charge to you for using the service of

Loans are not available at all requested amounts in all states, and residents of some states may not be eligible for some or all short-term, small-dollar loans.  Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this Website or service. The states serviced by this website may change from time to time, without notice.