Personal Installment Loans | LoanMe Fair Lending Policy

Fair Lending Policy
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At LoanMe Inc., we do not discriminate against any applicant or discourage anyone on a prohibited basis from submitting an application. To assure that our employees have a clear and unequivocal statement of our commitment to a nondiscriminatory method of doing business, we have adopted the following fair lending policy. Employees must be thoroughly familiar with this policy and follow it.

  1. We do not discriminate against a loan applicant or borrower on the basis of race, color, religion, national origin, sexual orientation, handicap, age, the fact that all or part of an applicant's income comes from any public assistance program or because the applicant has exercised any right under any relevant state or federal law.
  2. We do not selectively encourage applicants and we take no action that would, on a prohibited basis, discourage a reasonable person from applying for a loan.
  3. We do not, on a prohibited basis, refuse to make a loan, vary the terms offered including the amount, interest rate, period or type of loan, or use different standards to evaluate collateral or decide whether to extend credit.
  4. We avoid practices or policies that have a discriminatory effect. This rule applies to all phases of our lending business. It applies even though we do not intend the policy or practice to be discriminatory and even if the policy or practice appears to be neutral.
  5. We make sure that our scoring system is empirically derived and statistically sound and uses no prohibited basis other than age as a predictive factor.
  6. We train our loan personnel in the principles of fair processing and underwriting.
  7. Our Quality Control Manager regularly reviews both our loan underwriting standards and the business practices by which we implement them to determine whether they ensure equal lending opportunity and reports to management.
  8. We periodically review our loan portfolio and applications to make sure that we are serving the community adequately and on a nondiscriminatory basis in light of the community's demographic characteristics and credit demands.
 
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You understand that by selecting "I AGREE", you are providing "written instructions" authorizing LoanMe to share your self-provided personal information as entered in the above application, directly with our participating third party loan or service providers. You also agree to have the phone number entered in the above application, provided to the third party loan or service providers, who may contact you via text message and/or make telemarketing calls using an automatic telephone dialing system and/or an artificial or prerecorded voice, for promotional or commercial purposes. You may revoke your consent at any time by submitting the opt-out form on the Privacy Policy page. You are not required to check this box as a condition of obtaining any services from us. Message data rates may apply. When it comes to matters of privacy, LoanMe would like for you to know we share the same concerns as you. With this in mind, we'd like to provide you with the names to our advertising partners and other third party loan or services providers. Our third party loan or service providers include: Amazon, Google, Bing, LoanMart, Settle It, CashCall, The Loan Exchange, Owning, and Ralis Services.