Fair Lending Policy

We are committed to fair, transparent and non-discriminatory lending practices.

Non-discrimination

Credit decisions are based on objective criteria: credit score, income stability, FOIR, KYC validity and the lending partner's policy — never on race, religion, gender, marital status or community.

Transparent pricing

All interest rates, processing fees, penalty charges and total cost of credit are disclosed before signing the loan agreement, via a Key Fact Statement.

No coercion

Recovery is conducted with dignity. We do not use threats, harassment, public shaming or violations of privacy.

Responsible underwriting

We assess affordability so customers don't take loans they cannot reasonably repay. A total monthly obligation burden over 50% of net income typically triggers a reduction in sanctioned amount or rejection.