Ahead Lending, Inc. is licensed as a consumer lender in all 50 U.S. states plus the District of Columbia. Look us up in the NMLS Consumer Access database.
Ahead Lending, Inc. is registered with the Nationwide Multistate Licensing System & Registry. You can verify our licenses, view any regulatory actions, and see our lender profile at any time.
Verify us on NMLSLoans made or arranged pursuant to a California Financing Law license. Consumers should refer to the California Department of Financial Protection and Innovation (DFPI) for information about their rights.
Full CA disclosures →Licensed by the New York State Department of Financial Services. If you have a complaint, you may contact NYDFS by calling 1-800-342-3736 or by visiting the NYDFS website.
Full NY disclosures →Not a bank. Ahead is a financial technology company, not a chartered bank. We are not FDIC-insured. Deposits are not applicable, we are a lender, not a deposit institution.
Equal Credit Opportunity Act. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers Ahead's compliance with this law is the Consumer Financial Protection Bureau (1700 G Street NW, Washington, DC 20552).
Fair Credit Reporting Act. Ahead reports loan payment activity to Experian, TransUnion, and Equifax. Late or missed payments may negatively affect your credit report. You have the right to dispute inaccurate information directly with the credit bureaus at any time.
Truth in Lending Act. All loan terms, including APR, finance charges, amount financed, total of payments, and payment schedule, are disclosed to you in your loan agreement before you sign. You have a three-business-day right of rescission for certain loan types.
Servicemembers Civil Relief Act. If you are a member of the U.S. Armed Forces or a dependent, you may be entitled to certain protections under the SCRA, including a maximum interest rate of 6% on loans originated before your active duty began. Contact us to request SCRA protection.
Bank Secrecy Act. Ahead is required by federal law to verify the identity of every customer. This may include requesting your name, address, date of birth, and Social Security number, and using third-party services to verify this information.