Responsible Lending

As a responsible lender, we commit to you that this loan product abides by all applicable laws and that we strive for the utmost level of transparency and fairness.

• Not for all financial needs: This loan is designed to help with your immediate cash needs. It will not solve your long-term needs and refinancing will result in additional charges. We encourage you to (1) borrow only what you need and can repay and (2) shop the marketplace until you are convinced that you have found the best possible solution. You may choose to consult a consumer credit counseling service for other options.

• Transparency of costs for your loan: The cost of credit will be clearly disclosed to you in terms of the dollar amount of interest and the APR according to the federal truth in lending law and regulations. For details on the specific costs of your loan, please see our What it Costs page and your loan agreement. We will never charge you any "hidden fees".

• Implications of late and non-payment: If you don't make a payment on time we will attempt to contact you via one or more authorized methods, including phone calls, emails, and text messages to arrange for payment. All of our collections methods will be in accordance with the federal Fair Debt Collection Practices Act (FDCPA). In addition, we may re-present any returned payments to your bank in accordance with applicable law and regulatory requirements. If we are unable to reach you or we are unable to collect against your debt we may place or sell your debt with third-party collection agencies. However, we only contract with collection agencies that agree to follow the FDCPA. Furthermore, since we may report loan payments to one or more credit bureaus, late or non-payment of your debt may impact your credit rating.

• Compliance with laws: We abide by governing federal and state laws and regulations. These laws include (but are not limited to):

  1. Electronic Fund Transfer Act
  2. Equal Credit Opportunity Act
  3. Fair Credit Reporting Act
  4. Fair Debt Collection Practices Act
  5. Gramm-Leach-Bliley Act
  6. Military Lending Act
  7. Truth in Lending Act
  8. Telemarketing Sales Rule

• We respect your privacy: We adhere to all applicable privacy laws. Please see Privacy Disclosure for details.

• Contacting us: We always provide a physical address, a toll-free phone number, and an email address so that you can reach us in the most convenient manner for you. We strive to respond to your mail, calls, and email in as fast a manner as possible so we can quickly answer any questions and solve any problems you might have. Please see Contact Us for details.