Responsible Lending Policy

Responsible Lending Policy

We at do our best to protect you against unfair lending practices. In order to achieve this goal as effectively as possible, we resort to the following actions:

  • We supply you with significant information about the current state of loan industry, details concerning responsible lending and the consequences of non-payments or missed payments;
  • We cover these issues in a clear way so you can easily understand important details;
  • We treat every customer with respect adhering to transparent relationships;
  • We apply energy to provide a high-quality service and support;
  • We demand from our partners to abide by Fair Lending practices.

Lending Partners

We work only with those lenders who abide by law and are legally authorized to lend money to consumers. We take every effort to build a network of only reliable partners to ensure that you, our customer, get the services of high quality and risk nothing.

Once you are connected with a financial provider, please check details on that lender so you can ask them questions if any occur.

It’s important to remember that every lender has their own terms and conditions. Interest rates, repayments, late payments, missed payments, and loan renewals vary by lender. To know what to expect, contact your financial provider.

Impact on Credit Score

Information on your financial background is translated into a three-digit score that serves to express your credit worthiness and predict how likely you are to handle the debt in the future. The higher your score, the more chances you have to be approved for a loan with better terms. Things that may negatively affect your credit score are listed below:

  • late payments,
  • missed payments,
  • hard credit check,
  • loan renewal.

However, if your credit is less than perfect you still can be approved. All loans are subject to credit approval.

Late Payments

We strongly recommend that you have a responsible attitude to borrowing and take a loan only when you can afford it. It is important to understand the consequences of making late payments. If you make a late payment, you’ll have to pay a fee. We do not possess information on the amount of penalty. It only becomes available when a financial provider reaches you to finalize the loan process.

Always review all the documentation before signing the loan agreement to understand any potential fees that may result from late payment.

If you feel that you can’t repay on time, get in touch with your lender as soon as possible and warn them about your situation.

Please remember that a personal loan is a short-time solution and should not be seen as a tool to cope with major financial struggles.

Missing a Payment

We encourage borrowers to pay off their debt on time. Missing a payment may result in additional fees and collection activities which may negatively affect your credit score. Each lender has their own policy regarding missed payments. We recommend that you thoroughly peruse your loan agreement as it contains all the significant information about lender’s policy towards missed payments.

If you aren’t able to able to repay the loan on the due date, please contact your provider in advance to settle the issue.


Some financial providers offer the opportunity to roll your debt over if you are unable to repay on the due date. Note that renewing a loan is not free: you have to pay a fee to delay the repayment. The fee does not reduce the amount you owe and the rollover payments have the same interest rate as the missed payment.

Types of Renewal Policies

We work with a considerable number of lenders, and each of them has their own renewal policy. Typically, they offer two types of renewals:

  • Unlimited renewals. They allow you to renew your debt on numerous occasions and are very expensive decisions.
  • Automatic and borrower-initiated renewals. They allow you to renew your debt but on a limited basis.


In extreme cases when you have a delinquent payment and are reluctant to contact your lender to discuss the issue, they can resort to collection activities. Typically, they inform you about the intention to begin the collection procedure by phone, mail or email. If you still avoid communication, your lender may turn to a collection agency.

The collection practices of a particular lender are stated in the loan agreement. We encourage borrowers to read it carefully to be aware of the lender’s policy regarding the collection practices. For more information, please get in touch with your lender.

Material Disclosure

APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.

Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.

Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, 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.

Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.