Cash Advance & Loans: FirstFed is committed to promoting responsible lending standards through the third-party lenders in our network. While we do not issue loans ourselves, we work only with lending partners who follow these key principles:

1. Clear and Transparent Loan Terms

Lenders we work with must clearly disclose all loan terms before a borrower accepts an offer. These include:

• The full cost of the loan, including Annual Percentage Rate (APR)
• Repayment schedule and total repayment amount
• Any applicable fees (e.g., origination, late payment)
• Any penalties for early repayment or default

2. Legal Compliance

Lenders in our network are expected to comply with all applicable federal and state regulations, such as:

• Truth in Lending Act (TILA) — clear and honest loan disclosures
• Equal Credit Opportunity Act (ECOA) — non-discriminatory lending practices
• Fair Debt Collection Practices Act (FDCPA) — ethical collection conduct

3. Encouraging Financial Awareness

We support the principle that borrowers should fully understand any loan they consider. We encourage users to:

• Review all loan terms carefully
• Evaluate their ability to repay
• Ask questions and seek guidance from independent professionals if needed

4. Fair Collection Practices

Lenders are expected to adhere to ethical practices in their collection efforts. This means:

• No harassment or abuse
• No misleading claims
• Respecting communication preferences and legal protections

Cash Advance & Loans: FirstFed's Role

We are not a lender and do not control how third-party lenders operate. However, we make reasonable efforts to partner only with lenders who follow ethical, legal, and responsible lending practices. We encourage all users to conduct their own due diligence before entering into any loan agreement.

Have questions about our responsible lending policy?
Contact us at (855) 723-4821