OLA represents companies who provide a useful and valuable service to consumers, helping bridge the gap in household cash flow between paychecks, usually for urgent needs such as emergency medical expenses, unusually high utility bills, unexpected car repairs or unanticipated education expenses. OLA and our member companies believe all consumers should be conscious and informed about the risks involved with online borrowing. Part of OLA’s mission is to educate consumers about the online lending industry and its practices. We also provide resources including credit counseling, education and assistance where appropriate.