Responsible Lending Practices

Our Commitment

At QuickCash Loans, we are committed to responsible lending practices that prioritize the financial wellbeing of our customers. We believe in transparency, fairness, and treating every customer with respect and dignity.

Transparent Terms

We provide clear, upfront information about all loan terms including:

• Annual Percentage Rate (APR)
• Total amount to be repaid
• Payment schedule and due dates
• All fees and charges
• Consequences of late or missed payments

There are no hidden fees or surprise charges. You'll know exactly what you owe before you accept the loan.

Affordability Assessment

Before approving any loan, we assess your ability to repay by reviewing:

• Your income and employment status
• Your existing financial obligations
• Your overall financial situation

We only approve loans that we believe you can reasonably afford to repay.

No Rollover Policy

We do not encourage debt cycles. We limit loan extensions and renewals to prevent customers from falling into a cycle of debt. If you're having trouble repaying, we encourage you to contact us to discuss alternatives.

Customer Support

Our customer support team is here to help you:

• Understand your loan terms
• Set up payment plans if you're experiencing hardship
• Answer questions about your account
• Address concerns or complaints

We're available 24/7 at 1-800-QUICK-CASH or support@quickcash.com

Financial Education

We believe in empowering our customers with financial knowledge. We provide resources on:

• Budgeting and money management
• Building credit
• Emergency savings
• Alternatives to payday loans

Regulatory Compliance

We are fully licensed and comply with all federal and state lending regulations, including:

• Truth in Lending Act (TILA)
• Fair Debt Collection Practices Act (FDCPA)
• Equal Credit Opportunity Act (ECOA)
• State-specific lending laws and regulations

Fair Collection Practices

If you fall behind on payments, we commit to:

• Treat you with respect and dignity
• Comply with all debt collection laws
• Work with you to create a reasonable payment plan
• Never use harassment or abusive practices

Alternatives to Consider

Before taking out a payday loan, consider these alternatives:

• Payment plans with creditors
• Credit union loans
• Employer cash advances
• Local assistance programs
• Credit counseling services