Rates and Fees

This website is not a lender and does not make credit decisions, approve loan requests, set interest rates or fees, or fund loans. We provide a connecting service that gives consumers access to lenders or lending partners in a network.

Rates, Fees, and Loan Terms

We do not control or determine interest rates, annual percentage rates (APRs), finance charges, repayment schedules, or other loan terms. These details are established by the lender and may vary based on applicable law, loan type, loan amount, and the consumer's individual circumstances.

If a lender decides to offer you a loan, the lender should provide the applicable rates, fees, repayment terms, and other disclosures before you accept the offer. Review all terms carefully, including the APR, finance charges, total repayment amount, payment schedule, late-payment consequences, renewal policies, and any potential impact on your credit history or credit score.

You are not required to accept a loan offer. Only accept an offer after reviewing the lender's full terms and conditions and determining that you understand the costs and can reasonably meet the repayment obligations.

Late or Non-Payment

Late or missed payments may result in additional fees or charges, collection activity, and a negative impact on your credit score or credit history. Specific consequences depend on the lender, the loan agreement, and applicable law.

If you expect difficulty making a payment, contact your lender as soon as possible to discuss any options that may be available. This website cannot modify repayment terms, waive fees, or make payment arrangements on a lender's behalf.

Renewals and Extensions

Renewal, extension, and rollover policies vary by lender and may not be available for every loan or in every state. When permitted, these options may involve additional costs. Review the lender's policy carefully before agreeing to any renewal or extension.

Approval and Funding

Submitting a loan request does not guarantee approval, a specific loan amount, a particular rate, or funding. A lender or lending partner may review your information and decide whether to offer a loan. Some lenders may verify credit information or request additional documentation. Approval requirements and funding times vary by lender, bank, state, and individual circumstances.

Important Consumer Notice

Short-term loans can be expensive financial products and should be used responsibly. They are not intended as a long-term financial solution. Before accepting any loan offer, consider the total cost of borrowing and whether you can repay the loan according to the agreed schedule.

This service is not available to residents of Arkansas, New York, Vermont, or West Virginia. Loan availability, amounts, rates, fees, terms, approval, and funding times vary by lender and by state.

This website is not responsible for the actions or inactions of any lender or lending partner. Questions about a specific loan offer, rate, fee, payment, renewal, or loan agreement should be directed to the lender that provided the offer.

For questions about the connecting service, contact [email protected].

The information on this page is provided for general informational purposes only and should not be considered legal or financial advice.