Responsible Lending Disclosure

Last updated: May 2026

Our Commitment to Responsible Lending

Fast Fair Loans is committed to promoting responsible lending practices. We work only with licensed lenders who adhere to federal and state lending regulations and follow fair lending practices.

Important Loan Information

Before You Borrow

Borrowing money is a serious financial decision. Please consider the following before applying:

  • Only borrow what you need and can afford to repay
  • Consider all fees and interest charges
  • Understand the repayment terms and schedule
  • Consider alternatives to borrowing
  • Read all loan documents carefully before signing

APR and Fee Disclosure

Annual Percentage Rates (APRs) and fees vary based on loan amount, term, and your creditworthiness. Typical ranges include:

  • Personal Loans: APRs typically range from 5.99% to 35.99%
  • Loan Amounts: $100 to $50,000
  • Loan Terms: 12 to 84 months
  • Origination Fees: 0% to 8% of loan amount

Actual rates and terms are determined by individual lenders and may vary based on your credit profile and other factors.

Credit Impact

Checking your rate through Fast Fair Loans involves a soft credit inquiry that will not impact your credit score. However, if you proceed with a loan application from one of our lending partners, they may perform a hard credit inquiry which could temporarily affect your credit score.

State Licensing

Fast Fair Loans and our lending partners are licensed to operate in all states where required. Loan availability and terms may vary by state due to local regulations.

Financial Counseling Resources

If you're experiencing financial difficulties, consider contacting a nonprofit credit counseling agency:

  • National Foundation for Credit Counseling: www.nfcc.org
  • Financial Counseling Association of America: www.fcaa.org
  • Consumer Financial Protection Bureau: www.consumerfinance.gov

Complaints and Concerns

If you have concerns about lending practices, you may contact:

Fast Fair Loans Customer Service: 559-453-0005

Consumer Financial Protection Bureau: www.consumerfinance.gov/complaint

Your State Attorney General's Office

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