Responsible Lending

Responsible Lending Policies

CashAdvance.org is dedicated to providing you with updated information about the lending process, so you may borrow funds securely, safely, and make better decisions regarding your finances.

Fair Lending Practices

Our lending policies adhere to the fair lending guidelines presented in the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act (CFPA), which protect consumers from unfair lending practices by lenders. Lenders in our network must follow the regulatory provisions of the Consumer Financial Protection Bureau (CFPB) as well. We recommend that consumers using CashAdvance.org file a complaint with the agency if they have problems in dealing with a specific lender.

CashAdvance.org requires that any lender in our network to provide consumers with a clearly written account of interest rates, fees, rollover changes and any other fees associated with their loan before the consumer signs the loan documents. These practices are mandated by the Truth in Lending Act (TILA) and outlined by the CFPB.

Debt Collection

Consumers using CashAdvance.org can be assured that the lenders in our network follow fair debt collection practices during the loan repayment process. The Federal Trade Commission (FTC) Fair Debt Collection Practices Act mandates that lenders not use any of the below tactics:

If a lender violates any of the above FTC provisions regarding fair debt collection, CashAdvance.org will stop conducting business with that lender and report that lenders’ actions to the FTC.

Late Payment

Lenders in our network each have their own policies regarding late payments. These policies are governed by state lending regulations. Please take the time to review the late payment policy written in your loan document before signing the document so you can understand the policy and any potential fees and penalties. If your state law allows it, lenders are often able to offer plans to renew your loan, rollover options, and other ways of extending the re-payment period to help you make payments in full. Using the renewal plans presented to you by your lender should only be done in special circumstances because the costs involved will add to the amount of money you will have to repay.

Non-Repayment

Each lender in the CashAdvance.org network has its own non-repayment policies. Sometimes lenders may charge more fees or seek criminal charges if a borrower is unable to repay their loan in full. Your lender may below to the Community Financial Services Association of America (CFSA) in which case you are not subject to criminal charges if you do not pay off your loan. All lenders will conduct debt collection in a fair manner in strict adherence to FTC policy. Please note that the fees and penalties charged by lenders are regulated by state by state lending laws.

State by State Regulations

Each lender in the CashAdvance.org network also follow state laws and federal laws pertaining to lending. All lenders within our network charge fees and interest rates that are in accordance with various regulatory measures enacted by state governments. Many states also establish policies for repayment and maximum loan amounts.

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Consumer Notice: A cash advance is a small, short-term loan intended to cover a borrower's expenses until the following payday. Cash advances are intended for short-term financial relief and not as long-term financial solutions. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to learn more about the risks involved with cash advances, local regulations and laws that may be applicable to cash advances, possible loan alternatives and recent developments in their state.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. CashAdvance.org is not a lender, does not broker loans, and does not make loan or credit decisions. The operator of this website is not an agent, broker or representative of any lender and does not endorse or charge you for any product or service. CashAdvance.org provides a service only and is not acting as an agent, representative or correspondent for any service provider or lender. CashAdvance.org's aim is to inform users of possible lenders who may be able to satisfy the needs of a particular consumer. CashAdvance.org does not endorse any particular service provider, lender or loan product. You are under no obligation to use CashAdvance.org's service to initiate contact, or request for credit or any loan product with any service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus (Experian, Equifax and TransUnion). However, credit inquiries or consumer reports through alternative providers such as Teletrack or DP Bureau, which typically will not affect your credit score, may be obtained by some service providers or lenders, in certain circumstances. You will not be charged any fees to use CashAdvance.org's service. Learn more in our Rates & Fees section. To change your communication preferences for this website or to submit a question or comment you may contact us.

Availability: Residents of some states may not be eligible for a cash advance based upon lender requirements. CashAdvance.org does not guarantee that completing an inquiry form will result in your being connected with a lender or service provider, being offered a loan product with satisfactory rates or terms, or receiving a loan from a lender or service provider.