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Responsible Lending

Our commitment to transparency and borrower protection

Naos Finances LLC and Cash Advance Naos - Get Loans are committed to responsible lending practices. As a loan matching service, we connect borrowers with third-party lenders in our network. We do not make loans, set rates, or approve applications—those decisions are made by the lenders. However, we take seriously our role in facilitating access to credit and strive to work with lenders who share our commitment to transparency, fairness, and borrower protection. This page outlines our principles, the standards we expect from our lending partners, and resources to help you borrow responsibly.

Our Principles

We believe that access to credit should be transparent, fair, and safe. Our principles guide how we operate and how we evaluate the lenders in our network:

  • Transparency: Borrowers should understand the full cost of a loan—including APR, fees, and total repayment—before they commit. We encourage clear, upfront disclosure.
  • Fair treatment: All borrowers deserve to be treated with respect and without discrimination. We do not tolerate deceptive or abusive practices.
  • Informed choice: Borrowers should have the information they need to compare offers and make decisions that fit their financial situation.
  • Compliance: We expect our lending partners to comply with federal and state consumer protection laws, including the Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Gramm-Leach-Bliley Act (GLBA), and Fair Credit Reporting Act (FCRA).

Standards We Uphold

When connecting you with lenders, we prioritize partners who:

  • Disclose rates, fees, and terms clearly: Before you sign, you should see the APR, finance charge, total repayment amount, and payment schedule. Fees should be disclosed in plain language.
  • Assess ability to repay: Responsible lenders evaluate your income, expenses, and debt before approving a loan. They do not extend credit that is clearly unaffordable.
  • Avoid hidden fees: Fees should be disclosed upfront. If a lender charges origination fees, late fees, or other charges, these should be clearly stated in the loan agreement.
  • Provide clear loan agreements: The terms of your loan should be set out in a written agreement that you can review and keep before signing.
  • Offer reasonable communication: If you have questions or run into difficulty, you should be able to contact your lender. Lenders should have accessible customer service and clear procedures for handling disputes or hardship.

Your Rights as a Borrower

Federal and state laws protect you when you borrow. Key rights include:

  • Right to disclosure: Under the Truth in Lending Act, lenders must disclose the APR, finance charge, and total amount you will pay before you agree to a loan.
  • Right to non-discrimination: The Equal Credit Opportunity Act prohibits lenders from discriminating based on race, color, religion, national origin, sex, marital status, age, or other protected characteristics.
  • Right to know your credit: You have the right to dispute inaccurate information in your credit report. See our Credit Authorization page for more on your rights under the Fair Credit Reporting Act.
  • Right to cancel (where applicable): Some loans, such as certain refinances, may have a right of rescission. Your loan agreement will specify if this applies.

Tips for Borrowers

Borrowing responsibly starts with you. Here are practical steps to protect yourself:

  • Borrow only what you need and can afford: Assess your budget before applying. Consider whether you can afford the monthly payment along with your other expenses.
  • Read all loan documents carefully: Before signing, review the loan agreement, payment schedule, and any disclosures. Ask questions if anything is unclear.
  • Understand the total cost: Look at the APR, total repayment amount, and monthly payment. A lower monthly payment might mean a longer term and more total interest.
  • Make payments on time: Late payments can result in fees and negative entries on your credit report. Set up reminders or automatic payments if possible.
  • Contact your lender if you have trouble: If you cannot make a payment, reach out to your lender as soon as possible. Some lenders offer hardship programs or payment plans. Ignoring the problem can lead to default, collections, and damage to your credit.
  • Avoid borrowing to pay off other debt without a plan: Consolidating debt can help in some cases, but only if you have a clear repayment plan and can avoid taking on new debt.

Financial Hardship and Debt Management

If you are struggling with debt or cannot make your payments, you are not alone. Help is available:

  • Contact your lender first: Many lenders offer forbearance, payment plans, or other options for borrowers experiencing hardship.
  • Nonprofit credit counseling: Organizations such as the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA) offer free or low-cost counseling.
  • Debt management plans: A certified credit counselor can help you create a plan to pay down debt over time.
  • Bankruptcy: In extreme cases, bankruptcy may be an option. Consult a qualified attorney.

For more information, visit the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov or the Federal Trade Commission (FTC) at www.consumer.ftc.gov.

Warning: Predatory Lending

Predatory lending refers to practices that take advantage of borrowers through deceptive, unfair, or abusive terms. Be cautious of lenders or offers that:

  • Pressure you to borrow more than you need or can afford
  • Charge extremely high interest rates, often disguised or not clearly disclosed
  • Require upfront fees before providing a loan (legitimate lenders typically deduct fees from the loan proceeds or add them to the loan)
  • Fail to disclose the full cost of the loan, including APR and total repayment
  • Use aggressive, misleading, or deceptive marketing
  • Encourage you to repeatedly refinance or "roll over" a loan, which can trap you in a cycle of debt
  • Require access to your bank account or threaten legal action if you have not yet defaulted

If you believe you have been the victim of predatory lending or fraud, you can:

Our Role as a Matching Service

We are a loan matching service, not a lender. We do not make credit decisions, fund loans, or set terms. We connect you with lenders who may be able to offer you a loan based on the information you provide. Each lender has its own underwriting criteria and policies. We cannot guarantee that you will receive a loan offer or that any offer will meet your needs. If you have questions about a specific loan or lender, contact the lender directly. For questions about our Service, visit our Contact page.