Payday Loans Readily maintains a policy of providing consumers with the information and knowledge necessary to make informed, responsible loan decisions.
Where applicable, Payday Loans Readily undertakes all collection activity in strict compliance with the provisions of the Federal Fair Debt Collection Practices Act enforced by the Consumer Financial Protection Bureau and other Federal Agencies. While
Payday Loans Readily does not operate as a third party debt collector, our companies adhere to all relevant laws, rules, and regulations. Applicable provisions of the Fair Debt Collection Practices Act prohibit the following:
Contacting consumers by telephone before 8 a.m. or after 9 p.m.
Contacting consumers by phone with the intent to annoy, harass, etc., or using abusive language at anytime.
Collecting debt through deception or misrepresentation.
Threatening legal recourse when no legal action is intended.
Payday Loans Readily promotes the informed used of consumer credit by rigidly adhering to Federal regulations requiring disclosures about loan terms and costs. Before consumers assume any obligation, they will be presented, in writing, with the exact rates,
fees, and other details of their loan, as required under the Federal Truth in Lending Act.
In addition to applicable Federal regulations, individual States also have numerous laws regulating business in their States. These laws include, but are not limited to, regulations regarding interest rates, rollover limits, fees, charges, renewals
Submitting your loan inquiry at Payday Loans Readily incurs absolutely no cost. Based on the inquiry you submit, Payday Loans Readily provides you with loan options suited to your needs.
As noted above, federal law requires disclosures about the terms and cost of consumer credit. All rate and fee information will be disclosed to you before you sign any agreement. Please review all the rate information provided to you thoroughly and
completely before signing any agreement. You are under no obligation to accept the terms provided. Interest rates, charges, and/or fees are determined solely by Payday Loans Readily, with specific amounts determined based upon the information you submit
and applicable law. You are under no obligation to continue with the application process with us if you find the terms unsuitable. Actual interest rates, charges, and fees may vary. State laws and regulations may prove a determining factor in the
rates, fees, and charges determined for your loan. Lending terms vary from State to State.
Payday Loans Readily abides by each State’s regulatory requirements regarding late payments.
In the event of non-payment, Payday Loans Readily will attempt to work with you to establish payment arrangements in accordance with state regulations to allow you to fulfill your loan obligations.
Loan renewal policies are largely governed by State regulations. Read the terms in full regarding loan renewal options before signing any agreement.
Payday Loans Readily requires credit checks for all installment loans. Please speak with a customer representative for more information.
In accordance with federal law, this institution prohibits and does not tolerate discrimination towards applicants, prospective applicants, individuals with whom an applicant is affiliated, or customers on the basis of race, color, religion, national origin, sex, age, marital status, public-assistance status, exercise of rights under the Consumer Credit Protection Act, or other protected classification. This policy applies throughout the loan process, from prequalification to application, underwriting, closing, funding and servicing. For more information, please call the Compliance Department at 770.552.9840.