ETHICAL LENDING


 

Our approach to lending:

We are committed to treating our customers with the high moral and ethical standards.
We treat our customers with respect and consideration.
We take extra precautions to make sure that our clients accounts are safe and secure.
We take pride in our customer service. If you have any questions or concerns, please contact us so that we can address them.

 

Our priorities as a lender:

Transparency with regards to costs of borrowing, fees, and our terms and conditions.
Lending services and products that meet the needs of our customers and provide the best rates available to our customers.
Fair and honest descriptions of the risks and benefits of borrowing from us.
Fair and honest evaluations of our customers’ ability to repay a loan before making the loan.
Protecting the confidentiality of the personal and financial information of our customers.

 

Our expectations of our customers:

Provide us with accurate application information.
Be aware of the terms and conditions of the services provided.
Monitor financial status in order to determine if he or she may be facing financial issues.
If experiencing financial issues, please contact us so that we can help.

 

Our Lending Policy

We continuously evaluate our loan portfolio to be certain that we serve the community on a nondiscriminatory basis and that our business practices provide equal lending opportunity. We use neutral lending practices that do not have a discriminatory effect.
We do not discriminate against loan applicants on the basis of race, color, age, religion, national origin, sexual orientation, handicap, or any other prohibited discriminatory basis.
We do not discourage people from applying for a loan or refuse to make a loan on an unfair, discriminatory, or prohibited basis.
We do not vary the terms and conditions of a loan on an unfair or prohibited basis.
We do not use prohibited basis as a predictive factor in our scoring system.
We utilize empirical data and information in our scoring system.