Our Commitment to Responsible Lending | 15M Finance
Our Commitment to Responsible Lending
At 15M Finance, we are committed to protecting our users from unethical lending practices. We work exclusively with authorized direct lenders who uphold transparent, legal, and ethical standards. Our goal is to provide clear, honest information and treat every customer fairly—regardless of their background or credit history.
Trusted Lending Partners
We carefully select our partners to ensure you connect only with reputable and licensed direct lenders. Our network is frequently updated to bring you the most reliable offers in the industry. When contacted by a lender, always review their credentials and read their terms thoroughly before proceeding. While all lenders follow state regulations, each one may have unique policies and procedures.
Understanding Your Credit Score
Your credit score plays a key role in determining loan terms and rates. While many direct lenders in our network may approve applicants without a hard credit check, some may perform one through major bureaus like Equifax, Experian, or TransUnion. A higher credit score can lead to better rates—but even with a lower score, loan approval is still possible. However, missing payments can negatively impact your credit.
Handling Late or Missed Payments
Being a responsible borrower means making payments on time as outlined in your loan agreement. Always review the terms carefully and ask questions before signing. If you’re unable to repay on the scheduled date, contact your lender right away to explore available options. Depending on your state’s laws and the lender’s policy, you may qualify for a loan extension or rollover—though this may include additional fees.