Responsible Lending

At tdbpaydayadvance.com, we do our best to protect you from unfair lending practices. To ensure this, we:

• Provide clear and accessible information about loans and consequences of late or missed payments;
• Ensure respectful, transparent customer relationships;
• Offer high-quality service and support;
• Require our partners to follow Fair Lending principles.

Lending Partners

We work only with legally authorized and reliable lenders. Once connected, you are encouraged to review their terms carefully and reach out to them with any questions. Remember that each lender sets its own conditions — including rates, fees, late penalties, and renewal options.

Impact on Credit Score

Your credit score reflects your financial behavior. A higher score improves your chances of better loan terms. Factors that may lower your credit score include:

• Late payments
• Missed payments
• Hard credit inquiries
• Loan renewals

Even with a lower credit score, you may still qualify. All loans are subject to lender credit approval.

Late Payments

Please borrow responsibly. Late payments may result in fees. We do not set or control the penalty amount — it will be disclosed by your lender. Always review loan documentation carefully before accepting any offer. If you expect difficulty repaying on time, contact your lender immediately.

Missing a Payment

Missing a payment can trigger additional fees, collection actions, and damage to your credit score. Each lender has different rules regarding missed payments. Check your loan agreement thoroughly and reach out to your lender if repayment is not possible by the due date.

Rollovers

Some lenders may offer to roll over your loan if you can’t repay it on time. Rollovers typically include a fee and do not reduce the amount you owe. Interest continues to apply to the extended amount.

Types of Renewal Policies

Lenders may offer:

• Unlimited renewals: Often costly and not recommended.
• Automatic or borrower-initiated renewals: Limited and more regulated options.

Collection

If a borrower avoids repayment and communication, lenders may initiate collection procedures. This typically begins with notifications by phone, email, or mail. If unresolved, your case may be passed to a collection agency.

Each lender outlines their collection practices in the loan agreement. Always read it carefully and stay informed. For specific concerns, contact your lender directly.