Most lenders in our network typically do not consider your credit from Experian, Equifax, or TransUnion when determining if they will extend a loan offer to you. However, some lenders may use consumer credit reports or other personal information from alternative providers in order to make assess whether to extend a loan offer to you. If you obtain a loan and do not repay your loan on time, your delinquent payment may be reported to a credit bureau, which could negatively impact your credit score. It is very important with short-term loans, as with any loan, that you repay the loan on time or contact the Lender directly to agree on a modified repayment plan if this option is available.
When you sign and accept a loan offer from a lender that you are connected with, you are essentially agreeing to pay back the loan and any additional agreed upon amounts in full. Lenders will likely have different policies regarding late payment and non-payment of loans. We encourage you to thoroughly review those policies detailed in the loan documents your lender provides before electronically signing and thereby agreeing to the loan terms and those policies. It is important to note that all lenders must abide by federal and state laws and regulations regarding late payment fees and debt collection. In the event that you are unable to repay your loan, your lender may impose additional fees or charges. All lenders in our network are contractually obligated to abide by applicable federal and state laws regarding collections of past due accounts. We encourage consumers to never accept any loan that they cannot repay timely.
Although we are not a lender, our website supports all provisions of the Fair Lending Act, which require lenders to afford to consumer’s fair, equitable, and nondiscriminatory access to credit
Our website is not a lender and does not perform any debt collection. The debt collection practices for the lender offering your loan will be disclosed in your loan documents. If you do not understand or have any questions about the collection practices used by a specific lender you should raise your concerns with the lender directly immediately. Our website has made reasonable efforts to only work with well recognized and trustworthy lenders who employ fair handling in their collections practices for past due accounts. If you have any questions or concerns regarding debt collection, you are encouraged to reach out to your lender directly.
Our website only partners with and allows reputable lenders in our trusted network. We also support all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. For more information and details, please visit our Responsible Lending page.