Responsible Lending Practices

Our Commitment

Post Lake Lending is committed to connecting borrowers with responsible lenders who adhere to fair lending practices and comply with applicable federal and state laws.

Borrow Responsibly

Before applying for a loan, consider:

• Whether you can afford the monthly payments
• The total cost of the loan, including interest and fees
• Whether a loan is the best solution for your financial situation
• Alternative options, such as payment plans, credit counseling, or community assistance

Understanding Your Loan

Before accepting a loan offer, make sure you understand:

• The APR (Annual Percentage Rate)
• The monthly payment amount and due dates
• The total amount you will repay
• Any fees (origination, late payment, prepayment penalties)
• Consequences of late or missed payments

Avoid Overborrowing

Only borrow what you need and can realistically afford to repay. Installment loans should be used for appropriate short-term financial needs, not as a long-term financial solution.

If You're Having Trouble

If you're struggling with debt or cannot make loan payments:

• Contact your lender immediately to discuss options
• Seek free or low-cost credit counseling from organizations like the National Foundation for Credit Counseling (NFCC)
• Avoid taking out additional loans to pay existing debts

Credit Counseling Resources

• National Foundation for Credit Counseling (NFCC): 1-800-388-2227 or www.nfcc.org
• Financial Counseling Association of America (FCAA): www.fcaa.org

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