How does it work?

Policy on Responsible Lending

You can be sure that will do its best to protect your private information and application history. We are committed to bringing the best and most reliable lenders straight to you. There is no risk associated with it, because we work only with verified and reputable lenders.

We deserve your trust

Fair lending laws are followed when matching you with the right lender. You should always read the agreement you are about to sign in advance, learning all there is to know about applicable rates and fees. Different states may have different policies on payday loans, so we came up with a special Rates & Fees page to help you.

Loans on fair terms

Our lenders are reputable and absolutely legal, so you are always borrowing money safely. The Consumer Financial Protection Bureau currently enforces the Dodd-Frank Wall Street Reform Act and makes sure all lenders of our network have fair lending practices.

Honest debt collection practices

All our lenders follow the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. We match you up with a suitable lender, but we are not a lender ourselves and do not collect debt. You can expect all our lenders to follow the following guidelines when contacting you:

  • Call consumers only in the period from 8 am to 9 pm
  • Always be polite and avoid harassing consumers applying for a loan
  • Avoid deception as a way to collect debt
  • Never use the threat of legal action when it does not apply

It’s your right as a consumer to contact the Federal Trade Commission to file a complaint if any of those are violated by your lender.

Local laws always in mind recommends that all its lenders should observe local as well as federal laws and regulations that apply to payday loans received via an online provider. Our lenders therefore offer terms that comply with the local and federal regulations regarding roll-overs, maximum amounts loaned, interest rates and fees.

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Representative APR 391%

Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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