Policies
Collections and Servicing Practices
BufferLoan loans carry 0% APR and no fees to the consumer: no interest, no origination fees, no late fees, and no penalties. Our servicing practices reflect that design.
Effective date: July 28, 2026
How repayment works.
Borrowers repay on the schedule stated in their loan agreement, by debit card or bank transfer (ACH). Automatic payments are optional and are never a condition of receiving a loan; borrowers may start or stop automatic payments at any time.
If a payment is missed.
We contact borrowers respectfully to arrange payment. We communicate only between 8:00 AM and 9:00 PM in the borrower’s local time, we do not use harassment, threats, or misrepresentation, and we honor requests to communicate in writing. Borrowers experiencing hardship are encouraged to contact us; we work in good faith on adjusted schedules.
Disputes.
If you believe a payment was taken in error or your balance is wrong, contact us at info@bufferloan.com. We acknowledge disputes promptly, investigate, and correct any error, including refunding erroneous electronic transfers consistent with the Electronic Fund Transfer Act and Regulation E.
We do not sell delinquent accounts to third-party debt buyers, and we do not charge collection fees.