• 3595 Canton Rd Ste 116 # 250
    Marietta, GA 30066
  • info@cashforthecold.com
    Email

We at CashForTheCold.com work with lenders nationwide to get you the loan you need.
We are not a lender, but we do have a vast network of lenders intent on funding the loans that may assist with your financial goals.

Details

Implications of Non-Payment and other Considerations

Every lender in our network provides the consumer with specific terms, conditions, and practices prior to the consumer’s acceptance of the loan. We recommend that you carefully review the terms and conditions of any loan offer presented to you. For further details about the above considerations see our Rates & Fees and Lending Policy web pages.

When you accept the terms and conditions for a loan offer, you are agreeing to pay back the loan principal and finance charges in the amount of time shown in the documents supplied by your lender. Additional fees or charges by your lender may be requested in the event that you are unable to repay your loan in full or if you make a late payment. We cannot predict the amount of the fees or charges that you will incur as a result of non-payment, late payment, or partial payment. Additionally, we have no knowledge of the loan details between you and your lender. Please refer to the late payment, partial payment, and non-payment policies detailed in the loan documents provided by your lender. Our company makes a reasonable effort to work only with reputable lenders dedicated to pursuing collections of past due accounts in a fair and reasonable manner. If you have a complaint about a specific lender, please Contact Us and one of our agents will look into the matter further.

If approved for a loan, your lender will present you with the exact fees and interest rate of your loan prior to your acceptance of the loan. CashForTheCold has no control or knowledge of the loan details between you and your lender. You are under no obligation to continue with the loan request if you find a particular lender’s loan terms unsuitable.

CashForTheCold does not make credit decisions nor does CashForTheCold conduct a credit inquiry on consumers. Some lenders on the CashForTheCold network may conduct a non-traditional credit check in order to determine your eligibility for a loan. Lenders typically do not conduct a credit inquiry with the three major credit bureaus: Transunion, Experian, or Equifax. If you do not repay your loan on time your lender may report this delinquency to one or more credit bureaus, which could have a negative impact on your credit score. We encourage consumers with credit problems to consult a Credit Counseling company.

Loan renewal policies are largely governed by state regulatory legislation. The loan renewal options will be presented to you by your lender prior to your acceptance of the loan. Please make sure to diligently read the renewal policy presented to you prior to signing the loan documents. Payday loans are intended to be a short term financial instrument. CashForTheCold encourages all consumers to repay the loan on time and in full in order to avoid late payment and/or non-payment fees. If you suspect that you may be unable to pay off a loan, we would recommend that you explore Loan Alternatives before submitting a loan request.

CashForTheCold is not a lender and does not engage in debt collection practices. Your lenders’ collection practices will be disclosed to you in the loan documents. If you are unsure of the collection practices used by a specific lender, we recommend that you discuss this issue with your lender directly. CashForTheCold makes reasonable efforts to only work with established, reputable lenders who pursue collections of past due accounts with fair conduct and in compliance with the provisions of the Fair Debt Collection Practices Act by the Federal Trade Commission.