APR Disclosure
Legislation regulating the industry of short-term personal loans may vary from state to state.
Particularly,
there are limitations imposed by state legislation on Annual Percentage Rates (APRs) for short-term
personal
loans. The APR is the rate at which your loan accrues interest, and, consequently, it is formed
based on
the
amount, cost and term of your loan, as well as repayment amounts and timing of payments. Prior
conclusion of
any corresponding loan agreement, the direct lenders are obliged to introduce and make you familiar
with
the
applicable APR and other loan-related terms. Note that APRs may be subject to changes.
MATERIAL DISCLOSURE
We specialize in providing an online lender-connecting service whereby you get quickly linked with
direct
lenders. The operator of this Website shall not in any case be construed as a lender, loan broker or
agent
for any lender or loan broker, hence, shall not be construed as a decision maker in relation to
credit
decisions. We do not guarantee that the connection between you and the lender will definitely occur.
You
are
strongly advised to properly get familiar with any and all terms which are being provided by a
specific
lender before you make a decision on whether or not to accept the offered loan. The acceptance is an
optional step, thus, shall not be construed as an obligation. Lenders are entitled to proceed with
relevant
credit checks through corresponding entities with an aim to duly determine the creditworthiness, and
verify
your identity as well as the reliance in relation to the information provided by you. You can take
under
your personal consideration the opportunity of seeking for professional financial and/or legal
consultancies
in relation to your financial risks, needs and/or alternatives to the personal short-term loans. The
timing
for depositing funds and the determined repayment schemes may vary from lender to lender. Repayment
terms
may be regulated by state and local laws differently. Feel free to check our FAQs for getting
additional
information on issues such as credit and late repayment implications. These disclosures solely incur
informative nature and shall in no case be construed as legal or other professional advice. The use
of
this
Service is subject to this Site’s Terms of Use and Privacy Policy.
Exclusions
There are some states where the residents are not eligible for some or all types of short- term,
small-dollar loans. Particularly, residents in Arkansas, New York, Vermont and West Virginia are not
entitled to use this website or service. The list of states serviced by this website may be subject
to
change periodically, without providing any prior notices.
Credit Implications
Please, note that the operator of this website is not a credit decision maker and, thus, does not
make
any
credit-related decisions. Independent third party lenders participating within our network and which
you
might be connected with are entitled, at their sole discretion, make credit checks through credit
reporting
bureaus or otherwise get consumer reports, actually through other relevant providers for the
purposes of
determining the status of creditworthiness of the applicant.. By submitting your information, you do
provide
with your consent to allow the independent third party lenders to verify your information and check
your
credits if they find it necessary. Additionally, it shall be noted that the loan products which are
being
provided by independent third party lenders within our network are to be repaid within a short
period of
time. Please, note that the short-term loans are not the best solution for long-term debt
liabilities,
nor
credit emergencies. Only borrow an amount that can be repaid on the date of your next pay period.
Late
Payments of loans may result in additional fees or collection activities, or even both. Each lender
has
its
own terms and conditions, please review their policies for further information. Nonpayment of credit
could
result in collection activities. Each lender has its own terms and conditions, please review their
policies
for further information. Every lender has its own renewal policy, which may differ from lender to
lender.
Please review your lender’s renewal policy.
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