💡 Responsible Lending

At SpookyFast Loans, we believe in responsible lending practices. Before you borrow, please consider the following:

Before You Borrow

• Only borrow what you need and can afford to repay
• Understand all loan terms, fees, and interest rates
• Have a clear repayment plan
• Consider alternatives to borrowing

Understanding Your Loan

• APR (Annual Percentage Rate) includes interest and fees
• Read all loan documents carefully before signing
• Know your monthly payment amount and due dates
• Understand penalties for late or missed payments

Alternatives to Consider

• Emergency savings fund
• Payment plans with creditors
• Credit counseling services
• Borrowing from family or friends
• Side income or gig work

Resources

If you're struggling financially, consider these resources:

• National Foundation for Credit Counseling: 1-800-388-2227
• Consumer Financial Protection Bureau: consumerfinance.gov

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