Lending Goals

At PaydayCashFind.org, our priority is to protect you from unfair lending practices. To achieve this, we undertake the following actions:

Comprehensive Information: We provide detailed information about the loan industry, your responsibilities as a borrower, and the consequences of missed or late payments to help you make informed decisions.
Clear Communication: We present this information in a straightforward and understandable manner.
Respectful Service: We treat every customer with respect and transparency.
Quality Support: We are dedicated to delivering high-quality service and support.
Fair Lending Practices: We ensure that our lending partners adhere to fair lending standards.

Lending Partners

PaydayCashFind.org partners exclusively with lenders who are legally authorized and compliant with relevant regulations. We are committed to working with reputable lenders to ensure that you receive reliable and high-quality services.

Once you are connected with a lender, review their specific terms and conditions, including interest rates, repayment schedules, and policies on late or missed payments. Contact your lender directly for any questions or clarifications.

Impact on Credit Score

Your credit score, derived from your credit report, indicates your creditworthiness. Several factors can impact your score, including:

Late payments
Missed payments
Loan rollovers
Multiple credit inquiries

While a less-than-perfect credit score does not automatically disqualify you from obtaining a loan, all loans are subject to credit approval.

Late Payments

We encourage you to manage your loans responsibly and make timely payments. If you make a late payment, additional fees may apply. Each lender has its own late payment policy, so review your loan agreement carefully for specific details. If you anticipate a delay in payment, contact your lender promptly to discuss potential solutions.

Remember, personal loans are intended for short-term needs and should not be used to address significant financial challenges.

Missing Payments

To avoid damage to your credit score and potential collection actions, make every effort to repay your loan on time. Missing a payment may result in fees and impact your credit. Each lender has its own policy regarding missed payments, so review your loan agreement carefully. If you are unable to make a payment, contact your lender immediately to discuss your situation.

Rollovers

Some lenders offer the option to roll over your debt if you cannot repay on time. Be aware that rollovers can incur fees and may not reduce the principal amount owed. Rollover payments typically retain the same interest rate as the missed payment.

Renewal Policies

Our network includes lenders with various renewal policies, generally categorized as follows:

Unlimited Renewals: Allow multiple renewals but can be costly and risky.
Automatic and Borrower-Initiated Renewals: Permit limited renewals, typically with more defined terms.

Collection Practices

If you miss a payment and fail to communicate with your lender, they may initiate collection procedures. Typically, you will be notified of collection actions via phone, mail, or email before any further steps are taken. Persistent non-communication may lead to involvement with a collection agency.

Collection practices are detailed in your loan agreement. We advise you to read this agreement thoroughly and contact your lender with any questions regarding their collection policies.