SmartLoanDealz is committed to helping consumers better understand the lending process and the consumer protection laws that may apply when evaluating loan offers from participating lenders and lending partners.
You understand and acknowledge that smartloandealz.com's Fair and Responsible Lending Policy ("Policy") is intended to be read together with our Terms & Conditions and Privacy Policy.
This Policy has been created to provide consumers with information regarding lending practices, consumer rights, and federal laws that may apply to lending transactions.
The contents of this Policy are provided solely for informational purposes and should not be interpreted as legal, financial, tax, or lending advice.
SmartLoanDealz is not a lender, does not broker loans, does not make lending decisions, and does not provide credit.
Information submitted through our website may be shared with participating lenders and lending partners who may perform a soft credit inquiry to evaluate eligibility for available financial products.
A soft credit inquiry generally does not impact your credit score.
If you choose to proceed with a lender's application process, the lender may perform a hard credit inquiry which may affect your credit score.
SmartLoanDealz seeks to work with lending partners that maintain responsible lending practices and comply with applicable laws and regulations.
The Equal Credit Opportunity Act prohibits discrimination in credit transactions based upon:
This law applies to all extensions of credit.
The Fair Credit Reporting Act promotes accuracy, fairness, and privacy in consumer reporting.
Consumers generally have the right to:
The Truth in Lending Act requires lenders to provide consumers with important disclosures regarding:
These disclosures help consumers make informed credit decisions before entering into a loan agreement.
Participating lenders are expected to clearly disclose all applicable fees, rates, and repayment obligations.
The Americans with Disabilities Act prohibits discrimination against qualified individuals with disabilities and helps ensure equal access to goods and services offered by private businesses.
Annual Percentage Rate (APR) represents the yearly cost of credit expressed as a percentage.
APR may include:
Federal law generally requires lenders to disclose APR information before a consumer enters into a loan agreement.
Rates and APRs vary depending on credit profile, income, repayment history, state regulations, and lender requirements.
SmartLoanDealz is not a lender and does not collect debts.
We seek to work with lending partners that follow applicable debt collection laws and regulations.
We support the principles of the Fair Debt Collection Practices Act (FDCPA), which generally prohibits:
Consumers who believe debt collection laws have been violated should contact the Federal Trade Commission (FTC) or applicable state regulators.
Late payments or failure to repay a loan may result in:
Consumers should carefully review all repayment obligations before accepting a loan offer.
Lending laws vary by state and may regulate:
SmartLoanDealz performs due diligence when working with participating lending partners but is not responsible for the actions of independent lenders.
Consumers should review all applicable federal, state, and tribal laws that may apply to any loan offer they receive.
Before accepting any loan offer, consumers should:
Borrow only amounts you reasonably believe you can repay according to the lender's terms.
SmartLoanDealz does not make lending decisions, issue loans, determine approval, or establish loan terms. All lending decisions are made solely by participating lenders and lending partners.
The information contained on this page is provided for educational and informational purposes only.
Last Updated: September 2026