Our principles
Consumer protection first
We design Cash Advance - Perks Loans App so that users can understand—before they share sensitive information—what the service does and does not do. We are not a lender; we do not make credit decisions, set APR, or collect payments on behalf of a lender. Our role is to present a structured path toward offers that may be available from third parties, while minimizing dark patterns, misleading urgency, or hidden navigation that could impair informed choice.
Fair, non-discriminatory pricing presentation
When we describe representative rate or amount ranges (for example, APR between 5.99% and 35.99%, amounts from $100 to $5,000, and terms from 3 to 24 months), we do so to orient you to the general marketplace for products you might see—not to promise that you will qualify for any particular price. Final pricing is always established by the lender in legally required disclosures. We do not mark up lender rates for our own account.
Transparency and informed consent
We seek clear, affirmative consent before collecting or sharing data for matching, and we maintain accessible policies describing collection, use, disclosure, retention, and your privacy rights. Electronic delivery of disclosures is governed by our E-Sign & E-Consent policy. If you have limited English proficiency or accessibility needs, we encourage you to contact us at [email protected] or via contact options so we can assist with reasonable accommodations where practicable.
Standards: what we require vs. what we prohibit
The following table summarizes internal expectations for Cash Advance - Perks Loans App-branded experiences and for participating marketing partners. It is illustrative and does not create third-party beneficiary rights; lenders maintain their own compliance programs under federal and state law.
| Topic | What we require | What we prohibit |
|---|---|---|
| Identity of the creditor | Clear disclosure that Union Perks Loans LLC is not the lender; the name of any lender making an offer must appear on the lender’s own documents. | Implying that Union Perks or Cash Advance - Perks Loans App is the direct source of credit or that approval is guaranteed before underwriting. |
| Rates & fees | Representative ranges labeled as non-binding examples; links or paths to detailed rates & fees information. | Bait-and-switch advertising that omits material conditions or misstates APR, payment, or total cost. |
| Data use | Privacy Policy and just-in-time notices for sensitive fields; honoring Do Not Sell/Share requests where applicable law applies. | Selling personal information for unrelated targeted advertising where prohibited by our policies or law. |
| Marketing channels | Compliance with Marketing Practices, including consent for calls and texts where the Telephone Consumer Protection Act (TCPA) applies. | Harassing contact cadence, spoofed caller IDs, or contacting numbers on internal or national do-not-contact lists where law requires suppression. |
| Vulnerable consumers | Training materials that discourage targeting individuals based on distress, age, or disability for exploitative offers. | Steering consumers toward products clearly unsuitable for stated income and expenses without appropriate suitability review by the lender. |
Practical tips for borrowers
- Borrow only what you need and can repay on schedule, accounting for other fixed obligations (housing, utilities, transportation, medical, child care).
- Build a simple budget before you sign: subtract estimated loan payment from discretionary income and confirm an emergency buffer remains.
- Read the APR and payment schedule on the Truth in Lending disclosure; verify whether the payment is fixed or variable if the product is not a standard fixed installment loan.
- Ask about prepayment: whether you can pay early without penalty and how partial payments are applied.
- Understand credit impact: soft pulls may not affect scores; hard inquiries can. Confirm with the lender before authorizing.
- Keep records of applications, approvals, denials, and adverse action notices—you may need them for disputes or future applications.
- If you struggle to pay, contact the lender immediately to discuss hardship programs; avoid simply missing payments, which triggers fees and credit reporting.
Warning signs of predatory lending
Predatory lending refers to practices that strip wealth from consumers through deception, coercion, or structurally unfair terms—not merely high interest rates standing alone, which may be lawful in some jurisdictions if properly disclosed. Watch for red flags such as:
- Pressure to act immediately (“sign today or lose the rate”) without time to read documents or compare alternatives.
- Packing of undisclosed add-on products (credit insurance, club memberships) that inflate financed amounts without clear opt-in.
- Asset-based lending without affordability analysis (e.g., vehicle title products) where the lender emphasizes collateral value instead of ability to repay.
- Repeated refinancing (“flipping”) that charges new fees while extending indebtedness without meaningful new benefit to you.
- Blank spaces in contracts, or contracts that differ from oral promises—never sign incomplete documents.
- Discriminatory steering toward more expensive products on a prohibited basis such as race, national origin, sex, age, or receipt of public assistance—if you suspect discrimination, you may file complaints with federal and state regulators.
If you believe a lender engaged in unfair, deceptive, or abusive acts, document the facts and contact the lender’s compliance department, your state attorney general or financial regulator, and, where applicable, the Consumer Financial Protection Bureau. Union Perks Loans LLC will review complaints about Cash Advance - Perks Loans App-branded experiences sent to [email protected] and will cooperate with lawful regulatory inquiries.
State-specific rights. Residents of Delaware and other states may have additional protections (cooling-off periods, maximum rates, licensing requirements). This page is not an exhaustive list. Consult your lender’s state-specific disclosure and applicable law.