At The All Wellness Finance Company LLC (NMLS #2666071), we are committed to providing transparent, fair, and consumer-friendly financing options. Our practices are designed to fully adhere to the Truth in Lending Act (TILA), ensuring that our customers are well-informed about the terms and conditions of their loans. Below, we outline our commitment to being an above-board lender, promoting financial health for our customers through clear and honest practices.

Our Commitment to TILA Compliance

1. Transparency in Loan Terms: We provide a clear and comprehensive overview of each loan, including:
   1. APR (Annual Percentage Rate): We offer loans at APRs ranging from 0% to 36%, depending on state regulations, creditworthiness, and other eligibility factors. The effective interest rate is always disclosed as a yearly rate to ensure full transparency.
   2. Total Loan Amount: We clearly state the full amount being financed, with no hidden costs.
   3. Payment Schedule: The number of payments, due dates, and amounts are all detailed upfront, helping customers manage their finances with certainty.
   4. Total Interest or Fees: We outline all costs involved in financing, including interest rates and any applicable fees, to ensure customers understand the total cost.
   5. Minimizing Fees: We strive to minimize fees wherever possible. Our goal is to ensure loans are accessible, fair, and easy to understand, without burdening customers with unnecessary costs. We do not charge prepayment penalties, allowing our customers the freedom to pay off loans early if they wish.
   6. Plain Language Terms: All financial disclosures are presented in clear, easy-to-understand language. We want to ensure that our customers are fully informed and empowered to make the best decisions for their financial health.
2. Free Credit Counseling and Repair Services: As part of our commitment to improving consumer financial wellness, we offer free, on-demand credit counseling and repair services. Our goal is to help our customers not only manage their loans but also improve their overall credit profiles and financial well-being.
3. Responsible Lending Practices: The All Wellness Finance Company LLC promotes responsible lending and borrowing. We assess each applicant's financial situation carefully to determine the best loan structure that suits their needs. We want to ensure our loans ultimately help improve individual credit profiles rather than placing undue burden on consumers.

Disclaimers and Transparency

1. APR Rates and Eligibility: APR rates range from 0% to 36% and are subject to state regulations and individual credit evaluations. Rates may vary depending on creditworthiness and location.
2. No Hidden Fees: We commit to full transparency—there are no hidden fees. Any charges are disclosed at the time of application, so customers know exactly what to expect.
3. No Impact on Credit Score for Eligibility Checks: Checking eligibility for financing with us will not impact your credit score. This allows consumers to explore their options without worry.

Best Practices for Customer-Friendly Financing

1. Flexible Repayment Options: We provide repayment schedules that are manageable and tailored to fit our customers' financial needs, helping them stay on track without added stress.
2. Simple, Easy to Pay Off Loans: Our financing products are designed to be straightforward, with simple interest structures and clear repayment terms that make loans easy to understand and pay off.
3. Improving Financial Health: By offering financing solutions that are transparent and easy to manage, we aim to help our customers improve their credit scores and overall financial health.

Legal Compliance and Licensing

The All Wellness Finance Company LLC (NMLS #2666071) provides financing services in full compliance with state and federal regulations. We partner with licensed lenders to offer financing solutions that meet the highest standards of regulatory compliance and consumer protection.

Contact Us

If you have any questions regarding our loan terms, disclosures, or best practices, please feel free to contact us. We are dedicated to transparency, consumer education, and ensuring a positive financial experience for all of our customers.

For more information, please contact us: info@allwellpay.com