---
title: "Lender Standards | NeededCash"
description: "Every lender in our network meets strict licensing and consumer protection standards. We verify licenses before they see a request."
url: https://neededcash.com/about/lender-standards/
updated: 2026-10-10
site: NeededCash
---

# Lender Standards

Every lender in our network meets strict standards.

## Licensing requirements

Every lender holds the licenses its state requires; we verify it before they see a request. We only work with licensed lenders who can legally operate in your state.

## Consumer protection standards

We hold our lending partners to high standards:

- **No upfront fees:** Licensed lenders never charge an upfront fee to release a loan.
- **Rate transparency:** Every rate and fee is disclosed in writing before you sign (federal Truth in Lending requirement).
- **Data protection:** Shared only with lenders who can serve your state; never sold to unrelated marketers.
- **Secure handling:** 256-bit encryption on the request form.

## Disclosures

**Not a lender.** NeededCash.com is not a lender, loan broker, or agent of any lender and does not make credit decisions. We operate a free matching service that shares the information you submit with participating licensed lenders and lending partners, who may contact you with an offer and who pay us a referral fee.

**Rates and terms.** Each lender sets its own rates, fees, and terms and will disclose them in writing as required by the federal Truth in Lending Act before you sign. Personal and installment loans from lenders in our network typically carry APRs from about 5.99% to 35.99% with terms from 3 to 84 months. Representative example: a $5,000 loan over 36 months at 15.99% APR has 36 payments of $175.76 and a total cost of $6,327.36.

## Our verification process

Before any lender joins our network, we verify their licensing status and ensure they meet our standards. We regularly review our partners to maintain these standards.

## Complaint handling

If you have concerns about a lender in our network, please contact us directly at [hello@neededcash.com](mailto:hello@neededcash.com). We investigate all complaints and take appropriate action when lenders fail to meet our standards.

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Canonical page: https://neededcash.com/about/lender-standards/