Rates and Fees

Rates and fees

Submitting your inquiry for a loan on this website is at no cost. This website is not a lender or lending partner and does not provide lending services directly to consumers. Based on the information you submit, this website searches its database of a vast network of lenders and lending partners to connect you with the lender or lending partner and loan that may be suited to your needs so that you can submit a request directly to the lender or lending partner.

The Truth in Lending Act requires full disclosure of all loan fees and interest rates that borrowers may incur. All fees and rate information should be disclosed to you by your lender or lending partner at the time of approval. Upon the conclusion of lender or lending partner approval, most lenders and lending partners will direct you to an e-signature page. This page is provided to you by the lender or lending partner to which you were connected.

Full Disclosure of Terms

The lender provides documents that contain all fees and rate information pertaining to the loan being offered to you by the lender. Please review the fee and rate information provided to you by your lender thoroughly and completely before agreeing to the terms of the loan. You are under no obligation to accept these terms. If you decide the loan terms detailed in the lender contract are acceptable and wish to proceed with the loan process, e-sign the page and await transfer of your funds.

The loan fees and interest rates are determined solely by your lender, with specific amounts determined based upon the information you submitted to the lender. This website has no control or knowledge of the loan details between you and your lender. You are under no obligation to continue with the loan request if you find a particular lender’s loan terms unsuitable.

Late Payment Policy

Cash advance lenders and lending partners have varying policies regarding late payments. Review the late payment policy detailed in the loan documents provided to you by your lender or lending partner before appending your e-signature, and thereby agreeing to the loan terms. All lenders and lending partners, however, must abide by applicable laws, rules, and regulations regarding late payment fees.

Non-Payment Policy

Additional fees or charges may be charged in the event that you are unable to repay your loan. This website uses commercially reasonable efforts to work only with reputable lenders dedicated to pursuing collections of past due accounts in accordance with Fair Debt Collection Practices. Please be aware that you might be connected to a tribal lender which operates under tribal law.

Loan Renewal Policy

Loan renewal policies are largely governed by state regulatory legislation. In states where rollovers, or repayment term extensions, are allowed, interest rates, along with any late fees that may be assessed, can add a substantial dollar amount to the end price of your loan. Read the lender's terms in full regarding loan renewal options before signing the loan contract.

Impact On Your Credit Score

One of the first and most important things to understand as a borrower is that being late on a payment, missing a payment or rolling over a payment may negatively impact your credit score. Your credit score is a numerical expression of your creditworthiness based on an analysis of your credit files. Failing to pay on time may negatively affect this score and make it harder for you to do things like take out a credit card or get a loan. While less than perfect credit will not necessarily prevent you from being able to receive a loan, all loans are subject to credit approval. As such, the lender or lending partner that you are connected with may run a credit check with one or more credit agency. If you have had many credit checks in a given period of time, it is possible that this check may negatively affect your credit score. But, if you are able to make all of your payments on time, the process of taking out and repaying a loan may improve your credit score.