Responsible lending is what we do.

You can trust that we look after your interest and protect your information.

Below are some of the steps we take during the loan process

🔍 1. Clear Borrower Assessment

Verify ability to repay — we evaluate income, expenses, and existing debt before approving.

Use debt-to-income (DTI) ratios and credit behavior, not just credit score.

Avoid offering loans that would push the borrower into financial distress.

🧾 2. Transparent Terms & Disclosures

Clearly present APR, total repayment amount, fees, and penalties upfront.

Avoid fine print or hidden charges.

Provide disclosures in plain, readable language before loan agreement is signed.

⚖️ 3. Compliance with Regulations

Follow federal laws like:

Truth in Lending Act (TILA)

Equal Credit Opportunity Act (ECOA)

Fair Credit Reporting Act (FCRA)

Fair Debt Collection Practices Act (FDCPA)

Comply with state-specific lending caps and licensing requirements.

📊 4. Strong Data Privacy and Security

Secure all borrower data under privacy laws (like GLBA).

Limit data collection to what’s necessary for underwriting and servicing.

✅ 5. Fair Treatment for All Borrowers

We do NOT discrimination based on race, gender, age, or other protected factors.

We offer consistent credit decisions and appeal options.