Responsible Borrowing Checklist

Start with the full cost

Look beyond the amount you receive. Review the interest, service fees, processing fees, penalties, payment schedule, and total amount you may repay.

Check the provider

Confirm the company’s legal identity and compare the information shown with current records from official sources. A registration does not mean a provider or product is endorsed by the government.

Protect your information

Do not share passwords, one-time codes, or banking credentials. Be cautious if an app asks for access that does not appear necessary for its stated service.

Borrow responsibly

Consider whether the payment fits after essential living expenses and existing obligations. Missing payments may add costs and have other consequences under the provider’s terms.