Responsible Lending

Being a responsible lender –
Our Commitment

We have a responsibility to you, our customers, to be open and honest, to treat you fairly, and to be safe and secure.

These principles affect everything we do. The way we lend money is no exception.

That’s why we are committed to being a responsible lender. This page tells you about our approach. It also outlines what we ask of you in return. If you have any queries, please don’t hesitate to ask.

This is what you can expect from us

  • Products and lending criteria designed to meet your needs
  • Competitively priced products which we promote in a balanced way showing the risks as well as the benefits
  • Clear information on the cost of your borrowing, including any fees and charges, and our terms and conditions
  • An assessment of your ability to make regular payments and repay the loan, using appropriate credit assessment techniques, before providing credit
  • Where the loan limit is solely at our discretion, we will take into account your current and previous financial activity
  • A limit on your borrowing that we believe will ensure you don’t overextend your finances
  • Your personal information treated confidentially and in accordance with applicable legislation
  • Prompt and professional handling of any queries or complaints you may have
  • Considerate treatment of payment issues and arrears

We ask that you

  • Provide accurate and complete information on your application
  • Regularly assess your borrowing and other financial commitments and,if you expect to face payment difficulty in the future,or if you are having difficulties in managing your monthly payments,contact us so we can discuss any help/assistance available
  • Understand the terms and conditions on which the money is borrowed,seeking further information and help if needed
  • Ensure you have the means to repay the loan

Let's Get Started!

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** Application process takes 5 minutes to complete. Upon completion, a conditional approval may be given pending review of documentation. Two hour funding time is based on the time from final approval following receipt of all required documents and signing, prior to 1 PM PST on a business day. In some cases, credit underwriting and due diligence may require additional documents, which can delay funding time.

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Where loans are offered by LoanMe, credit approval is subject to LoanMe’s credit standards.  Terms (including loan amount) may vary by applicant.  LoanMe loans, where required, are made pursuant to its lending licenses.  For example, California loans are made or arranged pursuant to a California Finance Lenders Law license #603K061. Texas residents: LoanMe is a registered Texas Credit Services Organization and operates as a licensed Credit Access Business (CAB). The lender, PCAM CREDIT VIII, LLC, is an unaffiliated third party. Terms and Conditions: Offers provided to customers who originated via a paid Google or Bing advertisement feature terms on LoanMe Prime of: Maximum APR: 35.97% Maximum Loan Repayment Term: 60 Months Minimum Loan Repayment Term: 60 Months Representative Example: Maximum APR: 35.97% Maximum Loan Repayment Term: 60 Months Minimum Loan Repayment Term: 60 Months Representative Example: Maximum APR: 35.97% Maximum Loan Repayment Term: 60 Months Minimum Loan Repayment Term: 60 Months Representative Example: A homeowner in Utah with 580+ FICO, who meets income and other credit requirements could receive a loan for $5,000 with an interest rate of 36% and an origination fee of $0 for an APR of 35.97%. In this example, a consumer would receive $5,000 deposited into his or her account and will make 60 monthly payments of $180.56 each. Total repayment would be $10,833.60. Your actual rate depends upon credit score, loan amount, loan term, home ownership, and credit usage & history. You can pay back the loan early with no pre-payment penalties. Please note that loan fees apply and affect the amount of cash you receive.