Responsible Lending Policy
Effective Date: 06.25.2025
At PayDay Cash Advance: LendMatch, we believe in building trust, transparency, and financial awareness. As a loan connection platform, we are committed to partnering only with lenders who follow responsible lending practices and comply with all applicable laws.
While we are not a lender, we actively work to ensure that users are matched with financial institutions that prioritize fair, clear, and ethical treatment of borrowers.
1. Transparent Loan Terms
All lending partners in our network are required to clearly disclose full loan details before you commit. This includes:
The total cost of the loan, including Annual Percentage Rate (APR)
A clearly defined repayment schedule, including dates, number of payments, and payment amounts
Any applicable fees, such as origination charges, late fees, or prepayment penalties
Terms related to early repayment or default consequences
We encourage all users to carefully review every term before accepting any loan offer. You can always consult our AI-powered financial assistant for help understanding key terms.
2. Regulatory Compliance
We work exclusively with lenders who comply with all relevant U.S. laws and consumer protections, including but not limited to:
Truth in Lending Act (TILA) – ensures borrowers receive accurate cost disclosures
Equal Credit Opportunity Act (ECOA) – prohibits discriminatory lending
State-level regulations – including caps on APR, loan amounts, and repayment terms, where applicable
Note: PayDay Cash Advance: LendMatch does not offer services to residents of New York due to local lending restrictions.
3. Promoting Financial Responsibility
We believe users should make informed borrowing decisions. That's why PayDay Cash Advance: LendMatch provides:
A budget tracker to help monitor income and categorize expenses
A loan request history log so you can keep track of previous inquiries and statuses
Access to an AI assistant that answers loan-related questions anytime
We encourage users to:
Fully understand any loan offer before agreeing
Consider whether they can comfortably meet repayment obligations
Seek professional financial advice if uncertain
Evaluate alternative solutions before committing to short-term loans
4. Ethical Collection Practices
We expect lenders in our network to adhere to the Fair Debt Collection Practices Act (FDCPA), including:
No harassment, threats, or abusive contact
No false or misleading claims
No communication at inappropriate hours
Respect for borrowers’ rights to dispute debt and request verification
While PayDay Cash Advance: LendMatch is not involved in collection practices, we monitor the conduct of our lending partners and encourage ethical communication at all stages of the borrowing process.
PayDay Cash Advance: LendMatch’s Role
We act solely as a referral and connection platform. We do not:
Set loan terms or conditions
Guarantee loan approval
Control lender decisions or behavior
We carefully vet our lender network, but each lender operates under their own terms and conditions. Users should perform their own due diligence before entering into any financial agreement.
For questions about your loan, you must contact your lender directly. For questions about our platform, features like the budget tracker or AI chat, or assistance navigating offers, feel free to reach out to our support team.