Responsible lending

Our principles

Consumer protection

We design our marketing and application experiences to avoid misleading claims about guaranteed approval, instant funding, or “no credit check” when creditworthiness is a factor. We expect participating lenders to comply with applicable federal and state laws, including but not limited to the Truth in Lending Act (TILA), the Equal Credit Opportunity Act (ECOA), the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) privacy requirements where applicable, the Servicemembers Civil Relief Act (SCRA), the Military Lending Act (MLA) where applicable, and state licensing and disclosure statutes. We maintain processes to review partner materials for consistency with these obligations and to address consumer complaints escalated to us in accordance with our policies.

Fair and sustainable pricing

We do not control the rates or fees on any loan you may obtain from a third-party lender. We do, however, encourage consumers to compare multiple offers, read the APR and finance charge on the TILA disclosure, and consider whether the monthly payment fits within a realistic budget that also covers essential expenses, savings, and emergencies. Where state law imposes rate caps or product restrictions, we work with partners who represent that they originate loans in compliance with those limits.

Transparency

Before you submit sensitive information, we disclose that APPNAME is not a lender, describe how your data may be used and shared (see our Privacy Policy), and provide access to key legal terms (Terms of Use, Credit authorization, E-Sign Policy). Lenders are responsible for providing TILA disclosures, periodic statements (if applicable), and change-in-terms notices as required by law.

Standards we expect from partners

What we require (representations and screening)

• Valid licensing or registration where required by state regulators for the products offered.
• Accurate advertising and landing pages that do not misrepresent approval odds, timing of funds, or the nature of the product.
• Clear identification of the legal entity extending credit and its contact information for servicing and complaints.
• Compliance with applicable unfair, deceptive, or abusive acts or practices (UDAAP) standards and state analogues.
• Reasonable data security and incident response practices appropriate to the sensitivity of consumer financial information.
• Honoring opt-outs for marketing and, where applicable, telemarketing and email preferences in line with law and our policies.

What we prohibit

• Misrepresenting or concealing material loan terms, fees, or consequences of default.
• Discouraging consumers from reading disclosures or rushing them to sign without a meaningful opportunity to review.
• Using threats, harassment, or deception in collections or servicing.
• Originating loans that violate applicable usury limits, licensing requirements, or prohibited product features in the consumer’s state.
• Retaliating against consumers for filing complaints with regulators or exercising legal rights.

Borrower education and tips

• Borrow only what you need and can repay on schedule. Consider the impact of the new payment on rent or mortgage, utilities, transportation, food, insurance, and existing debt obligations.
• Build an emergency fund where possible, even in small increments, to reduce reliance on high-cost credit for unexpected expenses.
• Review your credit report periodically for accuracy. You may dispute incomplete or inaccurate information under the FCRA.
• Ask questions before signing: What is the APR? What is the total finance charge? Are there origination, late, or NSF fees? Is there a prepayment penalty? Can the rate or payment change?
• Understand consequences of nonpayment: Late payments may be reported to consumer reporting agencies and may result in additional fees, collection activity, and legal action as described in your loan agreement.
• Seek free or low-cost assistance if you are experiencing long-term financial distress (for example, nonprofit credit counseling agencies approved by the U.S. Department of Housing and Urban Development for housing-related issues, or other reputable nonprofit providers).

Predatory lending warning signs

While no single factor defines predatory lending, consumers should be cautious when encountering high-pressure sales tactics, promises that seem too good to be true, requests to sign blank documents, encouragement to inflate income or assets, repeated refinancing (“loan flipping”) that primarily generates fees without lasting benefit, or lenders that are unwilling to provide written disclosures or a clear payment schedule. If you believe you have been treated unfairly, you may contact your state attorney general, state financial regulator, or the Consumer Financial Protection Bureau (CFPB) to learn more about your rights and complaint options.

APPNAME does not guarantee that any lender in our network will make an offer, and we do not endorse any particular lender’s practices beyond our contractual standards. Nothing on this page constitutes legal or financial advice; consult a professional for guidance specific to your situation.