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 Step 1: Complete the Easy Two Minute Form and submit it to our online lenders. Step 2: If you are accepted and approved, a lender will display their terms online for your acceptance. There is no obligation to accept the offer if approved. Step 3: If you accept the loan, funds are wired directly to your account. Basic Loan Requirements deposit to receive the funds. All credit types are welcomed to submit a request. Personal and Small Dollar Loans are based on your employment history and future income. Loans are available for any reason at all, auto or home repairs, child care, or any other unexpected expenses that arise. Free and No Obligation Request. No loan will be issued to you unless you accept the lender's terms if you are approved. There is no cost to submit your information. You are under no obligation to accept a loan by completing our online form. Our site's services will always be provided free of charge, but that the lender will not give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement. Privacy and Security: We take privacy and security seriously and encrypt all data using industry standard security protocols so third parties do not get your information. Any sensitive data you may enter is not stored. More details can be found in our privacy policy. Fees and Interest: Our site's services will always be provided free of charge, but that the lender will not give you a loan for free. Your lender will charge you fees and/or interest and must provide you with full disclosure of their loan terms upon approval. It is then your responsibility to read through the terms before signing your loan agreement. APR Information: The Annual Percentage Rate (APR) defines the rate of interest a borrower pays over the course of a year. It describes the costs to the borrower in a yearly rate. This site cannot promise a specific APR. Our lending partners set the APR on loans and repayment terms. Since we are not a lender ourselves, we do not have control over the terms of your agreement with the lender you may be connected with. Our lending partners set the APR on loans. An typical APR can run between 3.99%-35.99%. Loan products may have as little as an 60 day minimum or up to a 72 month maximum repayment term. We advise the borrower to read the terms of your loan carefully before accepting and signing a loan contract. Representative Example For a $5,000 36-month loan at an interest rate of 5.99% with a 1% origination fee of $50.00, you will receive a loan amount of $4,950.00 and will make 36 monthly payments of about $153.61 at a 5.99% APR. Total loan cost would be $5,595.00. Lender's Renewal Policies:Each lenders may have different renewal policies. Some of them have automatic renewals or they may have rollover features. These conveniences often come at an additional fee. Please ask the lender you were connected with for their renewal policy. It is very important to read through the entire loan agreement and disclosure to make sure you are comfortable with their terms before accepting the loan. Late Payments, Partial Payments, and or Collections:Though each lender has to operate within the state and or local laws that govern them, they each have their respective approaches to handling late payments. A loan is an agreement between you and the lender to fully repay the loan by the time agreed. Depending on your agreement with your lender, if you are late for the agreed payment, a lender may for example add fees, send to a collections agency, or report your late, partial or non payment to a consumer reporting agency. These policies change per lender, so please make sure to consult your lender to find their respective policies. We advise the borrower to read the terms carefully and repay on time to avoid rollovers, renewals, and any additional fees. |
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