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Our Lending Policy

Policy

Policy on Responsible Lending

CashAdvance.com remains dedicated to safeguarding consumers from payday loan lenders that may engage in illicit lending practices, while equipping consumers with the knowledge necessary to make informed, responsible loan decisions.

Truth in Lending Act

CashAdvance.com’s policies and practices rigidly adhere to the regulations set by Fair Lending Laws, such as the Truth in Lending Act. Before a consumer assumes any obligation to initiate the loan process, they will be presented, in writing, with the exact rates, fees, rollover charges, and other details of their loan, not to exceed state regulatory legislation. Review the applicable laws and regulations in your state within our Consumer Resource Center.

Fair Lending

The Dodd-Frank Wall Street Reform Act states that all lenders, including payday loan lenders, must engage in “fair lending,” which is defined as “fair, equitable, and nondiscriminatory access to credit for consumers.” Dodd-Frank also tasks the Consumer Financial Protection Bureau with the enforcement of fair lending regulations. Consumers using CashAdvance.com are urged to file a complaint with the agency should any problems arise with their payday loans.

Fair Debt Collection Practices

For consumers repaying their loans, CashAdvance.com follows all provisions of the Fair Debt Collection Practices Act enforced by the Federal Trade Commission. While CashAdvance.com is not an actual lender and, as a result, does not collect debts from consumers, we require all lenders in our network to follow the statutes. These include:

  • Contacting consumers by telephone anytime before 8 a.m. or after 9 p.m.
  • Contacting consumers by phone with the intent to annoy, harass, etc., or using abusive language at anytime.
  • Collecting debt through deception or misrepresentation.
  • Threatening legal recourse when no legal action is permitted.

Should a lender be found to be in violation of these or any other FDCPA statutes, CashAdvance.com does not hesitate to cease conducting business with the company and report them to the FTC.

Reporting Scams

CashAdvance.com helps consumers report any illicit lenders and scam artists seeking to take advantage of those in need. By creating the SCAM REPORT, an online forum dedicated to helping consumers communicate scams to each other and report them to the appropriate consumer protection agencies, such as the Better Business Bureau.

State Regulations

While all lenders and CashAdvance.com follow federal regulations, individual states also have numerous laws for lending within their borders. These include strict adherence to local laws regarding interest rates, rollover limits and fees, maximum loan terms, cool-off periods between loans, presentment limits, and more.

A Commitment to Educating Consumers

CashAdvance.com provides users with a cornucopia of free educational resources written by our team of financial experts. The Consumer Resource section provides individual explanations and details for the unique laws and regulations in all 50 states. Readers can find out about the current laws in their state as well as the various consumer protection agencies available to them and even alternatives to cash advances in their state.

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© 2012 CashAdvance.com All Rights Reserved.

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

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. CashAdvance.com is not a lender and does not make loan or credit decisions. CashAdvance.com provides a matching service only and is not acting as a representative, agent, or correspondent for any service provider or lender. CashAdvance.com's aim is to inform users of the best lenders who will be able to satisfy the needs of every particular consumer. CashAdvance.com does not endorse any particular service provider, lender, nor loan product. You are under no obligation to use CashAdvance.com's service to initiate contact, nor apply for credit or any loan product with any service provider or lender. CashAdvance.com does not guarantee that completing an application form will result in you being matched with a service provider or lender, being offered a loan product with satisfactory rates or terms, nor receiving a loan from a service provider or lender. Service providers or lenders will typically not perform credit checks with the three major credit reporting bureaus: Experian, Equifax, or Trans Union. However, credit checks 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.com's service. Learn more about Rates & Fees.

Availability: This service is not available in all states. Please consult our state-specific pages for a discussion of availability in your particular state, as well as the rules and regulations concerning payday loans in your state. The states this website services may change from time to time and without notice. All aspects and transactions on this site will be deemed to have taken place in the state of Nevada, regardless of where you may be accessing this site.