Responsible Lending

Ethical Lending Practices

KPF Advance: Cash Plan Finder is dedicated to promoting responsible borrowing and supporting ethical lending practices within our network of partners.

While we are not a lender, we work with third-party lenders who are expected to uphold the following standards:

1. Transparent Loan Terms

Lenders must clearly disclose all loan terms before you accept an offer, including:

  • Total loan cost, including the Annual Percentage Rate (APR)
  • Detailed repayment schedule (amounts, due dates, and number of payments)
  • Any applicable fees (e.g., origination, late payment, or early repayment fees)
  • Possible penalties for default or early payoff

2. Compliance with U.S. Lending Laws

We expect lenders to follow all relevant federal and state lending laws, such as:

  • Truth in Lending Act (TILA): Requiring clear cost disclosures
  • Equal Credit Opportunity Act (ECOA): Prohibiting discrimination based on race, color, religion, sex, national origin, marital status, age, public assistance status, or the exercise of legal credit rights
  • Applicable state laws regarding interest rate caps, loan terms, and consumer protections

3. Financial Education and Borrower Responsibility

We encourage users to make informed borrowing decisions by:

Review Carefully

Carefully reviewing all loan terms before agreeing

Assess Repayment

Assessing their ability to repay on time

Understand Risks

Understanding the risks of non-repayment or default

Consider Alternatives

Considering alternative financial solutions

Seek Advice

Seeking advice from a qualified financial advisor when needed

4. Ethical Debt Collection Practices

Lenders should follow the Fair Debt Collection Practices Act (FDCPA), which prohibits:

  • Harassment, threats, or abuse
  • Misleading or deceptive claims
  • Contacting borrowers at inappropriate times or locations

Borrowers have the right to:

  • Communicate directly with lenders about debts
  • Dispute any inaccurate or unfair debt collection attempts

KPF Advance's Role

While we strive to partner with lenders who follow responsible lending practices, we do not control or enforce the specific actions of these third parties.

We strongly encourage users to perform their own due diligence and thoroughly review any loan offer before accepting it.

Our commitment to responsible lending — updated January 1, 2025