Responsible Lending

Responsible Use of Credit

5Kadvance.com is operated by Point One Networks Inc. Point One Networks Inc. is not a lender, creditor, loan originator, loan servicer, or agent of any lender. We do not make credit decisions, underwrite loans, fund loans, service loans, collect payments, or guarantee approval, funding, rates, fees, repayment terms, or any loan amount. 5Kadvance.com provides a loan connection and consumer financial marketing service. When you submit a request, your information may be shared with participating lenders, loan marketplaces, lead buyers, financial service providers, verification providers, marketing partners, and other service providers that may review, process, respond to, or help facilitate your request. Using credit involves risk. Before accepting any loan or financial product, carefully review the lender's or provider's terms, APR, finance charge, fees, repayment schedule, renewal terms, late payment terms, and consequences of non-payment.

Disclosure of Rates, Fees, and Loan Terms

Point One Networks Inc. does not set or control APRs, rates, fees, finance charges, repayment terms, renewal terms, funding timelines, or loan conditions. These are determined by the applicable lender or provider. Federal and state laws may require lenders to provide disclosures about the cost and terms of credit before you enter into a loan agreement. These disclosures may include the APR, finance charge, amount financed, payment schedule, total repayment amount, late payment fees, and other important terms. You should read all disclosures and loan documents carefully before accepting any offer. Do not accept a loan unless you understand the total cost and believe you can repay it.

State and Federal Requirements

Participating lenders and providers are responsible for complying with the federal, state, tribal, and local laws that apply to their products and services. Product availability, loan amounts, rates, fees, repayment periods, and eligibility rules may vary by state, provider, product, and consumer circumstances. Some products may not be available in your state. If a lender or provider does not operate in your state or determines that you do not meet its criteria, you may not be connected with that lender or provider. This Website and Service are void where prohibited.

Credit Checks and Verification

Point One Networks Inc. does not make credit decisions and does not approve or deny loan requests. Participating lenders, loan marketplaces, financial service providers, verification providers, and other authorized parties that receive or review your request may verify your information and, where permitted by law, obtain consumer reports, credit reports, credit scores, specialty reporting data, fraud prevention data, bank verification data, income or employment verification data, or other information to evaluate your identity, eligibility, creditworthiness, fraud risk, or ability to repay. Your request may be reviewed by more than one party, and more than one party may obtain or use information about you. The impact, if any, on your credit score will depend on the type of inquiry performed and the practices of the applicable provider.

Debt Collection and Repayment

Point One Networks Inc. does not collect loan payments and does not conduct debt collection for lenders or providers. If you accept a loan, repayment obligations will be set out in the lender's or provider's loan agreement. Late payments, missed payments, non-payment, renewals, extensions, or refinancing may result in additional fees, interest, collection activity, negative credit reporting, or other consequences depending on the lender's terms and applicable law. Debt collection activities may be subject to federal and state laws, including the Fair Debt Collection Practices Act where applicable. Debt collectors may not use abusive, deceptive, or unfair practices when collecting consumer debts. If you believe a lender, provider, or debt collector has acted improperly, you should contact that party directly and may also submit a complaint to the appropriate regulator or consumer protection agency.

Responsible Borrowing

Short-term and small-dollar loans are not intended to solve long-term financial problems. You should not borrow more than you can afford to repay.

Before accepting any loan, consider:

• the full repayment amount;
• the APR and finance charge;
• the payment due dates;
• whether repayment will leave you able to cover essential expenses;
• what happens if you miss a payment;
• whether renewal, rollover, refinancing, or extension will add costs;
• whether lower-cost alternatives may be available; and
• whether independent financial advice or credit counseling may be appropriate.

You are under no obligation to accept any offer. If you do not understand the terms or cannot afford the repayment, you should not proceed.

Questions About a Loan

For questions about a loan offer, loan agreement, APR, fees, repayment, funding, servicing, renewals, extensions, late payments, or collections, contact the applicable lender or provider directly. Point One Networks Inc. does not control those terms or decisions. Use of this Website is subject to our Terms and Conditions, Privacy Policy, E-Consent, and other disclosures presented to you.

Important Disclosures

Material Disclosure

The operator of this Website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans and up to $35,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. Where prohibited, this service and offer are void. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this Website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, apply for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. For additional information on issues such as late payment implications and credit please review our FAQs. These disclosures should not be considered legal advice, and are provided to you for information purposes only. The usage of this service is subject to this site's Terms of Use and Privacy Policy.

APR Disclosure

The Annual Percentage Rate (APR) is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. APR range for lenders in our network can generally range from 5.99% to 35.89%, with loan terms from 61 days to 96 months. Your actual rate will depend upon your credit score, loan amount, loan term, and credit usage and history. Some states have laws limiting the APR that a lender can charge you. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement.

Exclusions

Residents of some states may not be eligible for some or all short-term, small-dollar loans. Residents of Arkansas, New York, New Hampshire, Vermont and West Virginia are not eligible to use this Website or service. The states serviced by this Website may change from time to time, without notice.

Credit Implications

The operator of this Website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within an agreed amount of time. Short-term loans are not a solution for long-term debt and credit difficulties and you should only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Non-payment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender's renewal policy and terms prior to proceeding.