Our commitment to helping you borrow wisely and build a better financial future
At WithU Loans, we believe that lending is more than just providing money—it's about helping people navigate financial challenges while promoting long-term financial health. We are committed to responsible lending practices that protect our customers and support their financial well-being.
This page provides guidance on responsible borrowing, warning signs of problem debt, and resources to help you make informed financial decisions.
The values that guide how we serve our customers
We provide clear, upfront information about all loan terms, fees, and costs. No hidden charges, no surprises, no fine print tricks.
We only lend amounts that we believe borrowers can reasonably afford to repay based on their income and expenses.
We comply with all consumer protection laws and maintain the highest ethical standards in our lending practices.
We provide free resources and guidance to help customers improve their financial literacy and make better money decisions.
Every customer is treated with dignity and respect, regardless of their credit history or financial situation.
We encourage customers to explore all options before borrowing and provide information about alternatives to loans.
Essential guidelines for responsible borrowing
Recognize these red flags and seek help if you experience them
If all your income goes to bills and debt payments with nothing left for savings or emergencies, you may be overextended.
Consistently making only minimum payments means your debt is growing due to interest charges.
Using one loan to pay another creates a dangerous debt cycle that's hard to escape.
If you're avoiding calls from lenders or collection agencies, your debt situation needs immediate attention.
Having multiple maxed-out credit cards or loans indicates serious financial stress.
Regularly missing or making late payments damages your credit and increases debt through fees.
If unexpected expenses always require borrowing, you need to build an emergency fund.
If debt causes constant worry, sleeplessness, or relationship problems, seek professional help.
Consider these options before taking out a loan
If you have any savings, use them first. Even small amounts can help reduce how much you need to borrow.
Consider asking family or friends for help. Make it official with a written agreement to avoid misunderstandings.
If you have available credit, a cash advance might have lower costs than a loan. Compare rates carefully.
Your bank's overdraft protection might cost less than a loan for covering a short-term gap.
Some employers offer paycheck advances or emergency assistance programs to employees in need.
Contact creditors directly to negotiate payment plans, extensions, or reduced payments.
Local charities, churches, and community organizations often provide emergency financial assistance.
Consider temporary side work or selling unused items to generate quick cash without borrowing.
Ask yourself these important questions before applying for a loan
Organizations that can help with financial education and counseling
Free or low-cost credit counseling, debt management advice, and financial education.
Visit NFCC →Professional financial counseling services to help you manage debt and improve finances.
Visit FCAA →Government agency providing consumer protection information and complaint assistance.
Visit CFPB →U.S. government website with free financial education resources and tools.
Visit MyMoney.gov →What you can expect from WithU Loans
We clearly disclose all rates, fees, and terms before you accept any loan. No hidden costs.
We verify your ability to repay before approving any loan to protect you from unaffordable debt.
We treat all customers with respect and follow fair, legal collection practices.
Our team is here to help you succeed, not just when we're collecting payments.
We provide free resources to help you improve your financial knowledge and skills.
If you face difficulties, we'll work with you to find solutions rather than immediate enforcement.
If you're struggling with debt or have questions about responsible borrowing, we're here to help.