Lending Policy

FastCashAdvanceOnline.com believes in providing the highest level of customer service. That’s why we only conduct business with reputable lenders. When you visit our site, you have immediate access to our extensive network of lenders via a safe and secure loan application. We never hold on to your personal or financial information after submitting your loan application to potential lenders and work hard to safeguard your privacy 100 percent of the time.

FastCashAdvanceOnline.com is dedicated to giving our consumers the knowledge necessary to make smart, competitive, and responsible loan decisions.

Truth in Lending Act

FastCashAdvanceOnline.com aligns its policies and practices with the regulations set by Fair Lending Laws, such as the Truth in Lending Act. Before the loan contract is signed, consumers receive pre-loan documentation, which explain the exact interest rates of the loan, fees, rollover charges, and other details. Lenders are required by law to comply with state regulatory legislation.

Fair Lending

The Dodd-Frank Wall Street Reform Act states that all consumers have the right to “fair lending.” Fair lending regulations are enforced by the Consumer Financial Protection Bureau; all complaints should be presented to the agency directly.

Fair Debt Collection Practices

For consumers repaying their online payday advance, FastCashAdvanceOnline.com follows all provisions of the Fair Debt Collection Practices Act, which is regulated by the Federal Trade Commission. You may have basis for a complaint if your lender does not comply with the following statutes:

  • Contacting consumers by phone anytime before 8 a.m. or after 9 p.m.
  • Harassing consumers by phone or using abusive language at anytime
  • Deceiving or tricking consumers into paying past-due accounts
  • Making idle threats to sue when no legal action is available.

It is FastCashAdvanceOnline.com’s company policy to immediately stop doing business with any lender found to be in violation of these or any other FDCPA statutes. We will also notify the FTC about the violation.

State Regulations

Traditional lenders and online payday lenders are required to follow both federal and state regulations.

Individual states often set laws regarding interest rates, rollover limits and fees, maximum loan terms, waiting periods between loan applications, presentment limits, and more.

Educating Consumers One Article at a Time

FastCashAdvanceOnline.com is dedicated to providing our consumers with the most up-to-date, informative educational materials on the Web. Our financial articles are written by our team of experts and contain tips and advice, updated federal regulations, and top facts about payday lending.

Late Payment Policy

Cash advance lenders set their own policies regarding late payments. Find late payment policies in the loan documents provided to you by your lender at the beginning of the loan process.

Lenders must comply with the state legislation that is currently in place, and set late fees accordingly.

Non-Payment Policy

If you are unable to repay your loan, you could face additional fees or criminal charges. All of the lenders within the FastCashAdvanceOnline.com network are committed to following federal and state debt collection regulations and acting in accordance with fairness and equality.

Loan Renewal Policy

Loan renewal policies are largely controlled at the state level. If your state allows rollovers or repayment term extensions, additional interest and late fees may occur.