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Important information about procedures for opening a new account:

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, the lender will ask for your name, address, date of birth, and other information that will allow the lender to identify you. The lender may also ask to see your driver’s license or other identifying documents.

What is APR and how does APR work for a loan on this site?

APR is a commonly used abbreviation that stands for Annual Percentage Rate. This is a formula computed to show you what the interest rate combined with all the fees of a loan will be, in total, when analyzed for an entire year. APR is a way for you to compare and shop by knowing what the representative APR ranges might be for a loan that you may receive on our site.

When using our service to find a lender, the lender is required to provide you, the consumer, with all costs associated to be expressed as an annual percentage rate of interest (APR). This information will include the identity of the lender, the amount financed, the itemization of amount financed, the finance charge, the annual percentage rate, your payment schedule and your total number of payments. You will be able to review all this information BEFORE you obligate yourself to any loan. Your interest rate will vary depending upon which product you select from which lender. In addition, the Federal Equal Credit Opportunity Act prohibits lenders from discriminating against applicants on the basis of color, race, religion, sex, marital status and age.

What is the APR for a loan I may get from a lender when using our service?

We are not your lender. Our service provides an easy and convenient way for consumers to be connected with a personal loan through our network of lenders.

Because there are many lenders offering many different products we don’t know the exact APR that a lender may offer you. But rest assured, your lender must disclose all this information to you before you obligate yourself to any loan. The APR on a personal loan from our network of lenders can range from 5.99% to 35.99%, with loan durations between 90 days and 72 months. The actual loan rate depends on the loan amount and term requested, as well as your credit score, usage, and history. If you are offered a loan, you will have the opportunity to review the final offer made by the lender, and to accept the loan agreement made directly between you and the lender.

What happens if I'm late paying back the loan?

Once you are connected with a lender, you will be given all of your loan terms, in advance and in writing, for you to review. If you accept the terms and conditions of the loan offer, you are agreeing to pay that loan back in the amount of time expressed in the loan documents. If you do not understand anything in the loan agreement, you should not move forward. You should always pay your loan back on time to avoid additional fees and penalties. Partial payment, non-payment, or late payment is likely to result in the following:

Associated Fees/Interest rate adjustment - some lenders will charge fees, or adjust your interest rate if you are making late payments.
Collection practices - If you refuse to repay the loan all together, it is likely that the lender will engage a collection company to try and recoup what you owe them (just like any lender would).
Credit Score impact - if you do not repay your loan on time, your delinquency may be reported to a credit bureau, which could negatively impact your credit score.
Renewal policy - As a convenience to you, some lenders may offer a renewed or "roll-over" loan that may have additional fees and may renew automatically, unless you request otherwise. Please make sure to review your lender's renewal policies, and make sure that your payment preferences are known to your lender.

This information will be disclosed by each individual lender. Please don't agree to any loan that you cannot repay. If you have questions or need more information on late payment or renewal policies, please contact the lender directly and they will be happy to provide you that information. While most lenders in this site's network do not run a traditional credit check, it is important for us to let you know that in some cases credit checks, consumer credit reports and other personal data may be obtained by some lenders. These checks typically are performed by Experian, Equifax, Trans Union or through alternative providers in order to make a decision on whether or not to offer you a loan. As with any loan, it's important to repay the loan on time or contact the lender to work out a payment plan just as soon as possible.

For your protection: Our lender partners will never call and ask for advance payment. NEVER pay a lender in advance for a loan. THE OPERATOR OF THIS WEBSITE IS NOT A LENDER, does not broker loans and does not make loans or credit decisions. Nothing on this website is an offer or a solicitation to lend. The operator of this Website is not an agent, representative or broker of any lender and does not endorse or charge you for any service or product. We are compensated by these lenders, lending partners and / or aggregators for connecting you with them, and the compensation received may affect which offer you are presented with. Your information may be going to an aggregator and not a lender. Your information can be sold multiple times leading to multiple offers from lenders, aggregators, and other marketers. Lenders and aggregators who buy your information may supplement it with additional information about you that they obtain from other sources. Not all lenders can provide your requested type of loan and/or loan rate or terms, and we make no promises that you will be able to obtain a loan. Lenders are solely responsible to you for all aspects of any loan request or loan transaction, including compliance with all applicable laws and regulations relating to your loan and any agreement or disclosures relating to your loan request form or loan transaction (including any adverse action notices or Truth-in-Lending Act disclosures). Cash transfer times may vary between lenders and may depend on your individual financial institution. Lenders may perform a credit check to determine your creditworthiness. In some circumstances faxing may be required. This service is not available in all states, and the states serviced by this website may change from time to time and without notice. For details, questions or concerns regarding your cash advance, please contact your lender directly. Cash advances are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long-term solution. Please borrow responsibly!

Online Lenders Alliance: When you see the OLA seal, you can trust you’re working with a company committed to the highest standards of conduct, dedicated to ensuring the best possible experience for their customers, fully compliant with federal law, and working hard to protect consumers from fraud.