Lending Policy
At 85 Cash, we are strongly committed to protecting consumers from misleading lending practices and unfair terms. Our primary goal is to equip you with clear, accurate information so that you can navigate financial decisions with absolute confidence.
Trust and Transparency
We strictly adhere to guidelines aligned with the Fair Lending Laws and the Truth in Lending Act. Before you accept any commitment or finalize a loan process, participating direct lenders are required to disclose all terms in writing—including fees, interest rates, charges, and rollover rules. You can explore our Rates and Fees page to learn more about state-specific regulations.
Fair Lending Principles
Under the Dodd-Frank Wall Street Reform Act, lenders are expected to maintain responsible and fair lending practices. The Consumer Financial Protection Bureau (CFPB) actively oversees these standards to safeguard consumer rights across the financial landscape.
Fair Debt Collection Standards
We partner exclusively with lenders who respect provisions outlined in the Fair Debt Collection Practices Act (FDCPA), regulated by the Federal Trade Commission (FTC). While 85 Cash is an independent matching service and does not collect debts or issue loans directly, our network lenders must avoid prohibited actions such as:
- Placing telephone calls to consumers outside reasonable hours (before 8 a.m. or after 9 p.m.).
- Using abusive language or engaging in repeated calls intended to harass or annoy consumers.
- Employing deceptive statements or misrepresenting legal rights during collection procedures.
- Threatening legal actions that cannot or will not legally be pursued.
If we discover any lender violating these standards, we promptly review our partnership and report the findings to the appropriate regulatory authorities.
Current State Regulations
We encourage all network lenders to comply fully with local state legislation. These rules frequently dictate maximum interest limits, loan duration caps, cool-off periods, and fee structures.