Responsible Lending
Our approach focuses on consumer protection, fair practices, and clear disclosures.
Principles
Consumer protection
Safety first
We promote informed decisions and clear expectations.
Fair pricing
No surprises
APR and fees should be disclosed before acceptance.
Transparency
Understand your terms
Review terms, repayment schedule, and total cost.
Standards
What we require
- Clear disclosure of APR, fees, and repayment schedule.
- Access to legal documents prior to consent.
- Reasonable customer support channels.
- Respect for privacy and lawful marketing practices.
What we discourage / prohibit
- Hidden fees or unclear repayment terms.
- Deceptive claims about approvals or rates.
- Pressuring borrowers into unaffordable borrowing.
- Unlawful or non-consensual communications.
Tips for borrowers
- Compare APR and total repayment—not only the monthly payment.
- Borrow only what you need and can repay comfortably.
- Choose the shortest term you can manage.
- Read the lender agreement carefully before accepting any offer.
- Keep copies of disclosures, consent records, and lender communications.
Before you accept an offer
We encourage you to review these items before agreeing to any lender’s terms:
- APR and fee disclosures (origination/admin, late fees, returned payment/NSF fees)
- Repayment schedule and due dates (weekly/bi‑weekly/monthly)
- Total of payments over the full term
- Autopay terms and how to change payment methods
- Prepayment policy (whether paying early reduces interest)
If you’re struggling to repay
If you anticipate a missed payment, contact your lender as early as possible. Some lenders may offer payment arrangements or alternative due dates depending on their policy and applicable law.
Tip: Avoid taking a new loan to repay an existing one unless you fully understand the total cost and can
afford the new schedule.