Responsible Lending Practices

PDLoans247 is not a lender and does not provide lending services. We are an online advertising referral service designed to help connect borrowers with independent lenders or lending partners where permitted by law.

We work to keep our platform aligned with fair and responsible lending practices. While each lender is responsible for legal compliance, we actively review participation and remove partners that fail to meet our standards.

Because short-term and small-dollar lending rules are state-specific, we publish clear, practical information so you can understand what may apply in your state before you accept an offer. Start here: Payday Loans (State Rules).

If you’re comparing options, these pages can help you make a safer decision: FAQ, How It Works, Rates and Fees, Loan Calculator, and Responsible Lending Practices.

Fair Debt Collection Practices Act (FDCPA)

The FDCPA is a federal law that limits abusive, deceptive, and unfair debt collection practices. PDLoans247 does not lend money and does not collect loan payments. If you accept a loan, your agreement is with the lender, and the lender (or a third-party collector) must follow applicable collection laws.

Examples of conduct that may violate the FDCPA include:

• Using threats, harassment, insults, or obscene language.
• Calling at unreasonable times (collection contact hours are regulated and depend on your local time).
• Misrepresenting who they are, what you owe, or making deceptive claims to collect a debt.
• Threatening criminal action or legal steps that are not lawful or not actually intended.

If you believe a lender or collector is acting unfairly, keep copies of your agreement, receipts, and messages. You can also use our tool to help organize a complaint: Official Payday Loan Complaint Generator.

Fair lending and equal access to credit

Federal fair lending rules are designed to help ensure consumers are not unfairly treated or excluded from credit based on protected characteristics. Approval and pricing should be based on lawful, financial criteria (such as income, ability to repay, and verification), not on who you are.

Examples of protected characteristics can include:

• Race or color
• Religion
• National origin
• Sex
• Marital status (in many contexts)
• Age (when you have legal capacity to contract)

If you believe you experienced unfair treatment, you can submit a complaint to the CFPB: consumerfinance.gov/complaint. You may also want to contact your state regulator for lending and licensing issues (state rules vary).

Truth in Lending (TILA): cost disclosures before you sign

The Truth in Lending Act (TILA) requires lenders to provide clear written disclosures so you can compare offers before you accept credit. You should see key terms before you e-sign, including:

• APR (annual percentage rate)
• Finance charge (total dollar cost of credit)
• Payment schedule (dates and number of payments)
• Amount financed and total of payments
• Fees (origination/admin, late, returned payment/NSF, etc., where applicable)

If you want to estimate payments and total cost before accepting an offer, use our Loan Calculator.

State-specific lending rules (why your location matters)

Many states set specific rules for short-term and small-dollar loans, such as:

• APR caps and fee limits
• Maximum loan amounts
• Minimum/maximum terms
• Restrictions on rollovers/renewals
• Cooling-off periods or limits on how often you can borrow

We summarize these rules and practical risks on our state pages. Start with: Payday Loans (State Rules). If you already know your state, use the table on that page to jump directly to your guide.

Important reminder

PDLoans247 does not issue loans and cannot guarantee approval. If you accept a loan, your agreement is with the lender, who sets and services the terms. Always review the lender’s disclosures and verify licensing/authorization where applicable. For more detail, see Legal Disclaimer and Privacy Policy.