Money Mate Loans funds go

Lending Policy

At Money Mate Loans, we’re committed to working only with reputable financial institutions that follow strict legal and ethical standards. While we’re not a lender ourselves, we help connect you with trusted providers who are required to comply with both state and federal lending laws.

Transparent Loan Terms

All lenders in our network are required to provide clear, complete disclosures in line with the Truth in Lending Act (TILA) Before accepting any loan offer, you’ll receive details about:Annual Percentage Rate (APR),

• The Annual Percentage Rate (APR).
• All applicable fees and charges
• The full repayment schedule.

We encourage you to review this information carefully and ensure you fully understand the terms before proceeding.

Compliance with State and Federal Laws

Each lender must comply with all relevant state regulations and U.S. federal lending laws. Lending rules can vary by state, and all lenders are expected to follow these rules without exception.

Responsible Collection Practices

If a loan goes into collections, lenders and any third-party collection agencies must follow the Fair Debt Collection Practices Act (FDCPA). This means they are prohibited from:

Contacting you before 8:00 a.m. or after 9:00 p.m.

Using threatening, abusive, or inappropriate language

Misleading or deceiving you in any way.

Making false threats of legal action.

If you believe a lender or collector has violated these rules, you have the right to report them to the Federal Trade Commission (FTC).

Consumer Protections Under the Dodd-Frank Act

Lenders must also comply with the Dodd-Frank Wall Street Reform and Consumer Protection Act, which promotes fairness, transparency, and equal access to credit. If you feel a lender has acted unfairly or deceptively, you may file a complaint with the FTC or the the Consumer Financial Protection Bureau (CFPB).

Important Disclaimers

Money Mate Loans is a referral platform, not a lender. We do not issue loans, make credit decisions, or dictate loan terms. When you provide your information on our site, it’s used only to help match you with lenders who may be a fit for your financial needs.

Please note:

Submitting your information does not constitute a loan application

We may share your data with lending partners or credit bureaus for identity verification and eligibility checks

Some lenders may perform a credit inquiry, which does not affect your credit score

All credit decisions and loan offers are made solely by the lender

You are never obligated to accept any loan offer you receive

Also, not all lenders operate in every state, and loan availability and terms can vary based on where you live and the information you provide.

Before You Commit

We strongly recommend that you carefully read all loan terms and conditions before accepting any offer. If you have questions or need further clarification, reach out directly to the lender. Your financial well-being is important, and understanding the fine print is key to making the right choice.