Responsible Lending Policy

Effective Date: February 23, 2026

This Responsible Lending Policy ("Policy") outlines the principles, standards, and consumer guidance applicable to the CCFI Finance - Cash Advance mobile application, website, and related services (collectively, the "App"). This Policy is intended to promote transparency, consumer protection, and informed financial decision-making.

The App is operated by CCFI Finance LLC ("Company," "we," "us," or "our"). The Company is not a lender and does not issue loans, extend credit, determine underwriting criteria, or set pricing, interest rates, or fees. All financial products referenced or displayed in the App are offered and administered exclusively by independent third-party providers.

This Policy does not constitute legal, financial, or credit advice and should be read in conjunction with our Terms of Use, Privacy Policy, and Rates and Fees disclosures.

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1. Our Commitment to Responsible Lending

Although the Company does not provide loans directly, we recognize the importance of responsible lending practices and the impact that credit products may have on consumers. We are committed to operating the App in a manner that supports:

• Consumer protection and informed decision-making
• Fair presentation of financial product information
• Transparency regarding potential costs and risks
• Compliance with applicable federal and state laws

We seek to partner only with third-party providers that demonstrate a commitment to lawful and ethical lending practices.

2. Core Principles

2.1 Consumer Protection

We strive to design the App to help users understand financial products and their potential obligations. This includes providing educational information, clear disclosures, and access to multiple options so users can make informed choices.

We do not knowingly promote deceptive, misleading, or unlawful financial practices.

2.2 Fair and Transparent Pricing

While pricing is determined by third-party providers, we aim to present rates, fees, and terms in a clear and understandable format. We encourage transparency regarding APR, repayment obligations, and total cost of borrowing.

2.3 Transparency and Disclosure

We emphasize the importance of full disclosure prior to loan acceptance. Users are encouraged to review all lender-provided agreements, disclosures, and terms before proceeding with any financial product.

3. Partner Standards

Although we do not control third-party lenders, we maintain internal standards regarding the types of partners we choose to work with.

3.1 What We Expect from Partners

We expect third-party providers to:

• Comply with applicable federal, state, and local laws
• Provide clear and accurate disclosures regarding rates, fees, and terms
• Avoid deceptive or misleading marketing practices
• Respect consumer privacy and data protection requirements
• Offer repayment terms consistent with applicable regulations

3.2 Prohibited Practices

We do not knowingly partner with providers that engage in practices such as:

• Hidden or undisclosed fees
• Misrepresentation of loan terms or approval likelihood
• Coercive, deceptive, or abusive collection practices
• Violations of consumer protection laws
• Unauthorized use or sale of personal information

4. Consumer Guidance and Borrower Tips

Borrowing money involves risk and should be approached carefully. Users are encouraged to consider the following guidance before applying for any credit product:

• Borrow only what is necessary and affordable to repay
• Review APR, fees, and total repayment amount—not just monthly payments
• Understand the repayment schedule and due dates
• Avoid taking on multiple high-cost loans simultaneously
• Consider alternative financial options where available

We encourage users to seek independent financial counseling when appropriate.

5. Warning About Predatory Lending

Predatory or abusive lending practices can cause significant financial harm. Such practices may include, but are not limited to:

• Excessively high interest rates not justified by risk or permitted by law
• Repeated loan rollovers or refinancing that trap borrowers in cycles of debt
• Lack of clear disclosure regarding fees or repayment obligations
• Pressure tactics designed to force immediate acceptance

Users should exercise caution and carefully review all loan documentation. If a loan offer appears unclear, misleading, or unaffordable, users are encouraged to decline the offer.

6. Educational Purpose Only

Any tools, calculators, estimators, or educational content provided within the App are intended solely for informational purposes. The Company does not provide personalized lending recommendations or financial advice.

7. Regulatory Considerations

Financial products are subject to federal and state regulations, which may vary by jurisdiction. Certain loan products may not be available in all states. Users are responsible for understanding the laws applicable in their state of residence.

8. Limitations of Responsibility

The Company does not control and is not responsible for the actions, decisions, underwriting criteria, pricing, or servicing practices of third-party providers. All financial agreements are solely between the user and the applicable provider.

9. Updates to This Policy

We may update this Responsible Lending Policy from time to time to reflect changes in law, industry standards, or App features. Updates will be effective upon posting within the App.

10. Contact Information

If you have questions regarding this Responsible Lending Policy, please contact us:

CCFI Finance LLC
407 S Congress St
Jackson, MS 39201
United States
Phone: +1 (775) 521-8094
Email: support@ccfifinance.com