Policy on Responsible Lending

lenderconnectionnetwork.com wants consumers to be educated, make smart financial decisions, and to be protected from malicious personal consumer lenders and other unsavory businesses that engage in unlawful and unethical lending practices.

Trust and Truth

lenderconnectionnetwork.com's policies and practices conform to applicable provisions of fair lending laws like the Truth in Lending Act. Before a consumer enters into a loan agreement, the lender should provide you in writing (this can be electronically) with the exact fees, rates, charges, roll over charges and other details. Visit the Rates and Fees section of this website to learn about current regulations and laws in your state.

Fair Lending

The Dodd-Frank Wall Street Reform Act states that all lenders must engage in "fair lending" practices. The Consumer Financial Protection Bureau enforces fair lending rules and regulations.

Current State Regulations

lenderconnectionnetwork.com encourages lenders to follow applicable federal and state regulations. This includes conformity with local laws regarding interest rates, maximum loan terms, rollover limits, fees, cooling-off periods in between loans, and other loan terms. Lenders that are an extension of a federally recognized Indian Tribe act as independent sovereign nations and may not be required to follow local laws regarding rates, fees and other loan terms, although such lenders conform to federal lending laws including the Truth in Lending Act.

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Important Disclosures. Please Read Carefully.

The purpose of shorter duration loans is to provide the borrower temporary financial relief. Such loans are not a long-term financial solution. Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.

This website is not an offer to lend. lenderconnectionnetwork.com is not a lender and does not make loan or credit decisions. lenderconnectionnetwork.com connects interested persons with a lender from its network of approved lenders. lenderconnectionnetwork.com does not control and is not responsible for the actions or inactions of any lender, is not an agent, representative or broker of any lender, and does not endorse any lender. lenderconnectionnetwork.com receives compensation from its lenders, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, lenderconnectionnetwork.com’s service is always free to you.

This service is not available in all states. If you request a loan in a particular state where such loans are prohibited, or in a location where lenderconnectionnetwork.com does not have an available lender, you will not be connected to a lender. In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

By submitting your information via this website, you are authorizing lenderconnectionnetwork.com and/or lenders in its network or other intermediaries to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and Trans Union, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize lenderconnectionnetwork.com to share your information and credit history with its network of approved lenders.

Lender’s Disclosure of Terms.

The lender you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender based on the lender’s internal policies, underwriting criteria and applicable law. lenderconnectionnetwork.com has no knowledge of or control over the loan terms offered by a lender. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.

Late Payments Hurt Your Credit Score

Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lender immediately and discuss how to handle late payments.