Responsible Lending Policy

Get Advance - Cash Over Credit, operated by CASH OVER CREDIT LLC, promotes responsible lending within its network. While we are not a lender, we encourage our partners to:

1. Offer Clear Loan Terms

We expect lenders to fully disclose:

• Annual Percentage Rate (APR)
• Payment schedules and total repayment cost
• All fees and penalties

2. Follow U.S. Lending Laws

All lenders must comply with applicable regulations such as:

• Truth in Lending Act (TILA)
• Equal Credit Opportunity Act (ECOA)
• Relevant state lending laws and rate caps

3. Encourage Financial Awareness

We recommend that borrowers:

• Review loan terms carefully
• Consider ability to repay
• Explore alternative financial solutions
• Seek financial advice if unsure

4. Practice Fair Debt Collection

We expect our partners to comply with the Fair Debt Collection Practices Act (FDCPA) and refrain from:

• Harassing or threatening behavior
• False or misleading claims
• Unreasonable contact attempts

Note: Get Advance - Cash Over Credit cannot guarantee how each lender behaves, but we strive to work only with those committed to fair and legal lending practices.

If you have concerns or need assistance, reach out to us:

CASH OVER CREDIT LLC
1304 Aurora Glen Dr Rural Hall, NC, 27045-9890
Email: support@finallap.net
Phone: (440) 555‑0197