Our Promise to Lend Responsibly
At ONI SAME DAY LOAN & AUTO SALES INC, we understand that every financial decision matters — especially when it involves short-term borrowing. We are committed to a lending approach that promotes financial stability, informed choices, and long-term trust with our users.
Our responsible lending practices include:
- Affordability Assessment – We do not issue loans without first evaluating your income, expenses, and overall financial situation. We aim to offer only what you can realistically afford to repay without causing financial strain.
- Transparent Terms – Before you accept any loan, we provide clear, easy-to-understand disclosures outlining your loan amount, interest rate, APR, repayment schedule, and any applicable fees or penalties.
- No Hidden Charges – We do not include surprise fees or fine-print traps in our loan agreements. All costs are communicated upfront.
- No Rollovers or Balloon Payments – We do not promote practices that could trap borrowers in a cycle of debt. Our loan products are designed for straightforward repayment without automatic renewals or hidden extensions.
- Fair & Equal Treatment – We follow federal fair lending laws and do not discriminate based on race, gender, age, disability, religion, or any other protected characteristic.
- Supportive Customer Service – Our trained representatives are here to help—not pressure. We strive to support you in understanding your loan terms and managing your repayment.
- Financial Literacy Resources – We may provide access to budgeting tools, educational content, and credit wellness tips to help you make informed financial decisions.
- Ethical Collections - If you’re unable to make a payment, we’ll work with you. We follow all federal and state collection laws and avoid aggressive, unlawful, or deceptive recovery tactics.
We believe that lending should be a tool for progress—not a source of stress. When you borrow from ONI, you're working with a company that puts your financial health first.