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Lending Policy

ClickNGoloans.com is dedicated to protecting consumers from the fraudulent activities of companies and individuals who participate in poor lending practices. As such, we maintain that our lenders must follow several guidelines, and we also provide a wealth of information so that consumers can educate themselves about the short-term loans and their available options.

Fair Debt Collection Practices

We ensure that the lenders in our network understand and adhere to the guidelines set forth by the Fair Debt Collection Practices Act. Since we are not a lender, we cannot make any attempt to collect debts from consumers—this is handled by the lenders themselves. Essentially, this act protects consumers from oppressive, abusive or harmful activities as they pertain to debt collection. This Act cites the following as violations:

If any of the lenders in our network are found to be in violation of these guidelines, they will be immediately removed from our network and reported through the proper channels.

Fair Lending Act

The Fair Lending Act exists to ensure that all consumers are provided with fair, equal and nondiscriminatory access to credit and short-term loans. If you feel that you have been discriminated against for anything other than a valid financial reason, you are urged to file a complaint with the Fair Lending and Equal Opportunity office of your local Consumer Financial Protection Bureau.

Truth in Lending

This website and our lenders follow and adhere to the Truth in Lending Act which is a federal law that requires lenders and credit providers to disclose any and all information about an offer for credit to consumers before entering into a legally binding contract—this is known as the Fair Lending Law. Lenders must provide consumers with information about the interest, finance charges, rates and anything else that applies to a loan before presenting a contract. Since some states have their own regulations as to short-term loans and credit, these lenders must adhere to them and consumers should carefully compare their offers to the regulations within their states.

Promise to Educate Consumers

All of the educational resources found on this website are provided at absolutely no cost to consumers. Our team of financial professionals has worked diligently to gather and present this information in a manner that is understandable so that consumers can understand the laws and their options when it comes to the short-term loans. Consumers can also find information on other options aside from short-term loans that they may choose to consider as alternatives.

State Regulations

In an effort to better control the short-term loan industry, many states have designed their own regulations about the time consumers have to repay loans, maximum loan amounts, maximum charges and more. You can find this information in the Rates and Fees section of this website.

In some cases, you may be given the option of obtaining a loan from a tribal lender. Lenders that are an extension of a federally recognized Indian Tribe are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms, although such lenders conform to federal lending laws including the Truth in Lending Act. 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.

Advertising Disclosures

ClickNGoloans.com does not charge you any fees to submit a loan request, be connected with a lender, or to receive loan offers or quotes. If you receive a quote or a loan offer, the lender with which you may be connected is available to review its terms with you at no cost. It’s possible that the lender may require a fee to process your formal loan application and/or credit report, but until you agree to pay the lender any fee(s) or sign any loan agreements, you may shop with ClickNGoloans.com at no cost.

The offers that you might receive are from companies from which ClickNGoloans.com receives compensation. This compensation may impact what offers you receive and how/where products appear on this site (including, for example, the order in which they appear). ClickNGoloans.com does not include all lenders available in the marketplace. If you are presented with an offer, carefully review the details before signing.

Because ClickNGoloans.com IS NOT A LENDER, we cannot ultimately decide whether or not you are approved for a loan. We also cannot determine or influence the amount of money you may receive using our referral services. The operator of this web site will share the information you provide with participating lenders, advertisers, networks and other partners who may or may not lend or issue loans. Providing your information on this web site does not guarantee that you will be chosen by a lender or approved for a loan. We do not act as agents, brokers, or representatives for any of our lenders, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.

Because each lender is different and ClickNGoloans.com has no control over the rates and fees each lender charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from a lender and you can cancel the entire process at any time at your discretion. ClickNGoloans.com cannot be held accountable for any charges or terms presented to you by a lender, and we are in no way responsible for any agreement between you and a lender. For details, questions or concerns regarding your loan, please contact your lender directly. Please note that lender terms may vary, and lenders may use different criteria to determine whether an applicant is eligible for a loan. Not all who submit a request for credit will be chosen by a lender or approved for loan. If you are not chosen by a lender in the participating lender network, your information may be offered to participating third-party advertisers and generators for consideration.

It is not our policy to perform credit checks on any of our customers. However, some of the lenders in our network might perform a credit check before making their decisions using the three major reporting bureaus like, TransUnion, Experian and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular lender’s actions. If you do not pay back your loan by the specified due date, your lender may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.

Any of the information that you read on this website may be changed at any time without any prior notice. We can not guarantee that your submitted information will be provided to a lender or that a lender will approve you for a loan. Not all lenders can provide up to $1,000. The loans that may be offered by a lender are expensive forms of credit and are intended to provide you with short-term financing to solve immediate financial needs and should not be considered a long-term solution. If you are having serious financial issues, it is often best to consult with a professional credit counselor.

ClickNGoloans.com strives to keep you updated with all state laws governing short-term loans. As you may know, these regulations vary from state to state. Visit the Rates & Fees page to view information regarding availability, maximum loan amounts, and loan terms, as well as the information for your state regulator. Rates and fees will vary depending upon lender.

If you are given an option to obtain a loan from a tribal lender, these lenders are owned by independent sovereign nations and may not be required to follow local or state laws regarding rates, fees and other loan terms. 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.

Testimonial Disclaimer: These are not actual testimonials, but they are representative of ClickNGoloans.com services.

Advertising Disclosures

ClickNGoloans.com does not charge you any fees to submit a loan request, be connected with a lender, or to receive loan offers or quotes. If you receive a quote or a loan offer, the lender with which you may be connected is available to review its terms with you at no cost. It’s possible that the lender may require a fee to process your formal loan application and/or credit report, but until you agree to pay the lender any fee(s) or sign any loan agreements, you may shop with ClickNGoloans.com at no cost.

The offers that you might receive are from companies from which ClickNGoloans.com receives compensation. This compensation may impact what offers you receive and how/where products appear on this site (including, for example, the order in which they appear). ClickNGoloans.com does not include all lenders available in the marketplace. If you are presented with an offer, carefully review the details before signing.