Policy on Responsible Lending

We Are Committed to Acting Responsibly

The first thing on our minds every day is how to serve our customers better. That starts with an absolute adherence to the principles of responsible lending.

You'll be Approved for What You Can Repay

We don't bank on our customers defaulting. We want them to be able to repay the loans they take out. For that reason, we won't offer someone a loan unless we believe there is a reasonable expectation that they will be able to repay it.

We Don't Hide Costs

The flat fee we charge is clearly explained. We are happy to explain the implications of your loan's exact APR. We're not out to obfuscate the truth. We want you to know what you're getting into.

You've got a Friend in Us

The best part of working with people is getting to help them out. Our customer service agents are dedicated to helping our customers with any issues which may arise—including help dealing with short term financial hiccups—without punishing them.

Your Privacy is Our Concern

We keep all of your personal information confidential. We never engage in the sale or trade of private details.

We Work With You to Create Your Ideal Repayment Scenario

Our agents have been trained to explain your options in great detail so that you can make selections that make sense to you. Paying twice a month may be good for your buddy, but you might need a monthly repayment schedule. He might need two years to handle the payments, but you only want six months. We work to make sure to give you exactly what you want.

We're Fully Compliant

We follow every federally statute and, in every state we offer loans, we abide by the local laws and regulations. Just for starters, we comply with all of the following federal laws:

  • Electronic Fund Transfer Act
  • Equal Credit Opportunity Act
  • Fair Credit Reporting Act
  • Fair Debt Collection Practice Act
  • Gramm-Leach-Bliley Act
  • Truth in Lending Act
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