Responsible Lending

Responsible Marketing

Welcome to googlecashadvance.com (Best Installment Loans For Bad Credit) (hereinafter the “Company”)!

If you would like to register for the Company’s services, you must agree to these Marketing Practices, Privacy Policy, and the Terms of Use. Upon registration, you acknowledge that you are requesting referral for a loan from independent, participating lenders the Company contracts with, and that the Company may share your information with them and other third parties according to the Privacy Policy provisions. In addition, you agree to receive promotional materials from the Company, lenders, and/or third party marketing partners, and you authorize that the Company may share your information with the stated parties according to the Privacy Policy provisions. Additionally, you confirm that you understand they may provide you with the information about other services and products and all communications, including loan assistance and/or promotional materials may be performed via direct mail, email, and/or phone, regardless of any Do-Not-Contact lists (state, federal or similar lists) you may be in. If you refuse to receive marketing products and/or be involved into any stated form of interaction, you may request removal from the lists via corresponding opt-out feature. Unsubscribing from the lists of the third parties must be processed by these third parties directly, so you should contact these third parties directly to opt out. Company undertakes no responsibilities for stopping interaction with other sources not subject to the Company’s control. In case you have questions or queries regarding the Marketing Practices, and/or other provisions stated on the website, and/or you would like to opt out and request Company not to use your information for marketing purposes, please, contact the Company via email info@googlecashadvance.com.

Responsible Lending Policies

It is our purpose to protect consumers from unfair lending and avoid cooperating with the companies, which participate in poor lending practices. We require all the lenders in the network to adhere to the USA federal laws and state regulations and encourage that they uphold the Best Practices. We also provide necessary information and links to the government resources, so that consumers can self-educate and understand their rights as well as mutual responsibilities. Our Responsible Lending Policies are aligned with the regulations regarding short term lending in the USA.

Fair Lending Laws

The Fair Lending Act was put into place in order to protect consumers against discrimination and ensure that everyone has fair access to credit products. In particular, Dodd-Frank Wall Street Reform Act protects consumers from unfair lending by promoting requisite policies of “fair, equitable, and nondiscriminatory access to credit for consumers”. If you feel that a lender has discriminated against you or has failed to provide you with credit for any reason that is not strictly financial in nature, we urge you to file a complaint through your local Consumer Financial Protection Bureau’s Equal Opportunity and Fair Lending Office.

Truth in Lending Act

Googlecashadvance.com adheres its policies and practices to the provisions of the Truth in Lending Act, the federal law, which requires lenders and financial institutions to disclose in writing the essential information about loans and similar credit operations, such as: rates, fees, terms, implications of late or non-payment, rollovers, due dates etc. before any credit deal is closed. All the lenders in our network are to align their practices to the Truth in Lending Act. Additionally, we strongly recommend all the customers to check the regulations in the states of their residence prior to closing any credit deal, as soon as most USA states have their specific laws and regulations regarding short term loans and lending policies.

Fair Debt Collection Practices Act

If you fail to repay your payday loan on time, our lenders may utilize several procedures in an attempt to collect your debt. We require our lenders to adhere to the guidelines of the Fair Debt Collection Practices Act, which was put into place by the Federal Trade Commission in order to protect consumers from oppressive or harassing debt collection tactics. The Fair Debt Collection Practices Act cites the following as punishable violations:

  • Attempting to contact customers before 9 a.m. or after 8 p.m. in their local time zones;
  • Using deception or misrepresenting a company in an effort to collect a debt;
  • Using profanity or otherwise abusing, annoying or harassing consumers;
  • Threatening undue legal action against consumers.

Any lender who is found to be in violation of these guidelines or other provisions of FDCPA will be immediately removed from our network and reported to the proper law enforcement agency or official.

Reporting Scams

If consumers confront or foresee the situation of assumed scam or fraudulent activity, it’s strongly recommended to contact us directly using our email info@googlecashadvance.com and report alleged unlawful activity or/and refer to appropriate consumer protection agencies such as BBB or CFPB.

State Regulations

Most of USA states implemented their own regulations and laws regarding short term lending in order to protect consumers from unfair lending practices. All of the lenders in our network have agreed to adhere to these laws and adjust to the limitations and regulations including but not limited to the maximum allowable loan amounts, the number of rollovers available to consumers, rate and term caps, the maximum amount that lenders can charge in the form of interest and other fees. Please, go to Rates and Fees to find out more about state regulations and check the regulations in your state of residence.

Our Promise to Educate Customers

We provide numerous educational materials on this website to our consumers at no cost. We have a team of experts who have worked diligently to research this information and present it to you in the manner that is easy to read and understand. These materials describe the laws regarding short term lending industry as well as the options and scopes for payday loan borrowing. Please, visit Rates and Fees page to get more details concerning this financial instrument in general and check out the status of your state of residence. Moreover, we welcome any question concerning the services presented on this website and short term loans in general. Please, use our contact email info@googlecashadvance.com for this purpose. Please, keep in mind that all the questions and concerns regarding particular loan deals should be referred to the lenders directly.