Know Before You Owe
This is a loan designed to help with your immediate cash needs. We encourage you to (1) borrow only what you need and what you can repay (2) whenever possible, always consider paying off your loan early to reduce the interest costs, and (3) shop the marketplace until you are convinced that you have found the best loan for your needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit advance, borrowing from a friend or family or existing savings, may be less expensive and more suitable for your financial needs. Any use of these loans on a repeated basis (refinancing or taking out new loans) may be harmful to your financial condition. Please remember, our installment loans have a 5 Day Risk Free Satisfaction Guarantee. You have 5 business days from your loan origination date to change your mind. If you decide that the loan isn't right for you, simply call the toll-free customer service number at 866.580.1226, repay the principal within the 5 business day period and there will be no fees.
The cost of credit will be clearly disclosed to you in terms of the dollar amount of interest and the Annual Percentage Rate according to the Federal Truth-In-Lending law and regulations. To determine the specific costs of a loan, please see Loan cost and terms. In addition to interest on a loan, a loan may have fees for late payments, returned payments, and/or a broker fee [in Ohio and Texas, RISE acts as a credit services organization/credit access business and is not the lender – the loans are made by a third-party lender].
Please carefully read your loan documents including the Truth-In-Lending disclosure to understand the cost of your loan. The loan documents contain many important terms regarding the loan including, but not limited to, the cost of the loan, the terms of repayment including the use of ACH debits, right of rescission, delinquency and default, and dispute resolution.
We understand that situations may arise that may cause you to have difficulty repaying your loan. If you have lost your job or suffer other similar hardships, we will endeavor to work with you during your hardship. Please know that failure to pay may cause you to incur late payment and/or returned payment fees, or acceleration of the loan balance. If you fail to repay your loan in accordance with its terms, we may place your loan with or sell your loan to a third-party collection agency or other company that acquires and/or collects delinquent consumer debt.
Furthermore, since we may report payments to one or more credit bureaus, late or non-payment of your loan may impact your credit rating.
Our installment loans are designed for meeting unexpected life events. As such, any refinancing of our loans or repeatedly taking of new loans to meet your daily financial expenses may be harmful to your financial condition. Please carefully consider whether there are other financial options available to you before taking our installment loans. We encourage you to seek financial counseling if you find yourself unable to manage your finances.
If you have any questions regarding this disclosure, you can call or email us at (866) 580-1226 or firstname.lastname@example.org. In most instances, we do our best to get back to you within one business day.