Responsible Lending

Consider alternatives

Short-term credit can be expensive. Before borrowing, consider savings, payment plans, employer assistance, community resources, credit counseling, or help from family and friends.

Before accepting

• Confirm the APR and total finance charge.
• Review every payment amount and due date.
• Understand late, returned-payment, and renewal fees.
• Borrow only what your budget can repay.
• Keep the provider’s disclosures and contact information.