Lending Policy

You understand and acknowledge that Dogstar Digital Corp. d/b/a CashLoansExpress (collectively, “CashLoansExpress,” “us,” “we,” or “our”) Fair and Responsible Lending Policy (hereafter “Policy”) is intended to be read in conjunction with this Website’s Terms and Conditions and Privacy Policy. This Policy is created in an effort to provide you with important information regarding your rights as a consumer and practices that may be applicable to our Network Partners. The contents of this Policy is not designed and should not be construed as legal advice. Any inquiries you may have regarding your loan or any terms presented to you should be addressed with the lender directly.

Introduction

CashLoansExpress operates as a marketing and technology platform that connects consumers seeking loan products with independent third-party lenders and financial service providers (“Network Partners”). We are not a lender, loan broker, credit services organization, or agent of any lender. We do not negotiate, arrange, or guarantee any loan or credit terms. We do not make credit decisions, approve or deny loan requests, underwrite loans, or determine interest rates, fees, or repayment terms. All lending decisions are made solely by Network Partners in their independent discretion.

We submit the information you provide to the lending partners in our database who may use a soft credit check to assess your eligibility for a personal loan and may then present loan terms. CashLoansExpress is committed to working with responsible lending partners who have policies in place to protect consumers against abusive, misleading, or fraudulent lending practices.

You can learn more about our Network Partners’ eligibility assessment in our Terms and Conditions. The loan amount of any loan, if one is presented, will vary depending on the lender, your creditworthiness, and your state’s laws. There is no guarantee you will be presented with any loan terms, or that upon presentation of any terms you will qualify for the rates, fees, or terms shown on this site. If you receive loan terms from one of our lending partners, it is imperative that you review each lender’s terms and conditions before proceeding. Please note that at the point of application with the lending partner, you may be subject to a full credit check.

Commitment to Fair and Responsible Lending Practices

CashLoansExpress encourages consumers who feel their lender has violated any aspect of the law or regulatory requirements to file a complaint with the Consumer Financial Protection Bureau, or any applicable enforcing agency.

• The Equal Credit Opportunity Act (ECOA). ECOA prohibits discrimination based on race or color, marital status, religion, nationality or national origin, gender, age, income derived from public assistance programs, and the applicant’s exercise of any right under the Consumer Credit Protection Act. This Act applies to any extension of credit.
• Fair Credit Reporting Act (FCRA). FCRA is intended to promote correctness, fairness, and confidentiality of information in Consumer Reporting Agency files by requiring the agencies to furnish correct and whole information to businesses when a consumer’s information is being evaluated for insurance, credit, or employment. Under the FCRA, consumers have the right to know the information within their credit file, to be informed if information in their file has been used against them, to dispute incomplete or erroneous data in their file, to receive one disclosure at no cost every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies, to request a credit score from consumer reporting agencies for a fee, to limit access to their file to people with a valid need for access, and to limit unsolicited offers of credit and be provided with opt out rights of such communication.
• The Truth in Lending Act (TILA). TILA is intended to promote knowledgeable use of consumer credit by requiring written disclosures regarding terms, costs and fees of loans before a consumer takes responsibility for the loan. This act additionally provides consumers the right to withdraw from certain credit dealings involving a lien on the consumer’s dwelling, provides a means for just and timely resolve of credit billing disputes and regulates credit card practices. Please note that this act does not mandate the charges that may be imposed for consumer credit. The lenders in CashLoansExpress’s network are required to provide consumers with clearly written and discernable interest rates, late fees, and any other fees that may be connected with their loan before loan documents are fully executed.
• Americans with Disabilities Act (ADA). The ADA prohibits discrimination against qualified individuals by ensuring that these individuals have equivalent access to goods and services offered by private businesses.

APR Disclosure

The Annual Percentage Rate (APR) is the yearly cost of credit, represented as a percentage. The APR includes fees related to originating the loan, not just the interest payments. By law, the lender must show you the APR before you enter into a loan agreement. States have laws limiting the APR that the lender or partner can charge you. Please read the lender’s terms and conditions before proceeding with a personal loan.

Debt Collection Practices

CashLoansExpress is not a lender, does not fund loans, and does not engage in any kind of practice related to debt collection. CashLoansExpress aims to work only with reputable lenders who adhere to fair debt collections practices and guidelines. CashLoansExpress supports the provisions of the Fair Debt Collection Practices Act (FDCPA) which is enforced by the Federal Trade Commission (FTC). The FDCPA forbids collectors and collection attorneys from using misleading behaviors, harassment, and other unethical practices in an effort to collect debt. The FDCPA additionally stipulates specific hours of the day in which consumers may be contacted. The FDCPA typically does not apply to first party creditors, however, certain states have passed laws similar to the FDCPA that may apply to first party creditors. Some lending partners in CashLoansExpress’s network may collect their own debts and therefore may be subject to state lending or debt collection regulations. If a lender directly or indirectly violates a debt collection law or regulation, we suggest reporting the violation to the FTC.

Implications of Late Payment and Non-Payment

If you obtain a loan, it is vital that you understand implications that could result from making a payment late or from failing to make a payment. Each lending partner determines their own policy regarding fees that may be charged and/or other consequences from late or non-payments. Consequences can include added charges, negative implications to your credit history and score, collections, and more. We advise you to thoroughly review the payment policies provided in your loan documents before signing so you may understand the policy and any potential fees or penalties associated with late or non-payments.

State Regulations

CashLoansExpress has a due diligence process in place to help verify that our lending partners are abiding by applicable state and federal regulations. However, CashLoansExpress is not responsible for any actions conducted from sources outside its control. Individual states may have their own regulations for lending, including laws pertaining to interest rate limitations, rollover terms, fees, loan terms, rescission periods, etc. While CashLoansExpress has policies and procedures in place relating to the lending partners within our network, it is necessary for each consumer to educate themselves about any loan terms prior to considering whether or not to accept them. This includes the federal and state laws, rules, and regulations that apply.

State Availability

Our Services are not available in all states. CashLoansExpress does not operate or advertise in certain states where prohibited by law or internal policy. Network Partner availability depends on your state of residence and each partner’s licensing and service areas. If you reside in a state where our Services or a particular Network Partner’s products are unavailable, you may not be connected with a lender or may have limited options. Individual states may have specific regulations governing lending products, including interest rate limitations, licensing requirements, and consumer protection laws. You are responsible for understanding the laws applicable to your state before accepting any loan terms.

Contact Us

If you have questions about this Lending Policy, please contact us at:

Dogstar Digital Corp.
d/b/a CashLoansExpress
700 Maine Street, Suite 3
Bangor, ME 04401
Email: info@cashloansexpress.com

En CashLoansExpress, estamos comprometidos con prácticas de préstamo responsables. Evaluamos cuidadosamente a cada prestamista en nuestra red para asegurarnos de que sigan buenas prácticas en el trato justo a los clientes y cumplan con las leyes de préstamos aplicables.

TILA (Ley de Veracidad en los Préstamos)

Todas nuestras prácticas cumplen con la TILA (Truth in Lending Act) y con todas las leyes pertinentes a nuestros servicios.

Antes de firmar electrónicamente un contrato de préstamo, los prestatarios deben leer detenidamente todos los términos y condiciones presentados por el prestamista, incluyendo:
✔ Tarifas
✔ Penalizaciones por pagos tardíos
✔ Otros detalles relevantes del préstamo

Si un prestatario no recibe esta información, debe solicitarla firmemente al prestamista antes de continuar con el proceso.

Préstamos Justos

El término “préstamo justo”, según la Oficina de Protección Financiera del Consumidor (CFPB), significa:

“Acceso al crédito de manera justa, equitativa y sin discriminación para individuos y comunidades.”

Esto implica que los adelantos de efectivo deben ser justos y accesibles para todos.

Si experimentas algún problema con un préstamo obtenido a través de nuestro sitio web, puedes presentar una queja ante la CFPB.

Cobro Justo de Deudas

Aunque no somos un prestamista ni realizamos cobros de deudas, queremos que sepas que nuestros prestamistas deben cumplir con la Ley de Prácticas Justas en el Cobro de Deudas (Fair Debt Collection Practices Act – FDCPA).

Esta ley prohíbe prácticas abusivas o injustas al cobrar una deuda, tales como:

❌ Llamar a los consumidores entre las 9 p.m. y las 8 a.m.
❌ Llamar solo para acosar o hablar de manera inapropiada.
❌ Usar métodos engañosos para cobrar deudas.
❌ Amenazar con acciones legales si no son necesarias.

Denuncia de Estafas

Si has sido víctima de una estafa, te recomendamos denunciarla a una agencia de protección al consumidor, como el Better Business Bureau (BBB).

En CashLoansExpress, estamos disponibles para ayudarte a reportar cualquier fraude o actividad sospechosa.