Rates and Fees

This website is not a lender and does not make credit decisions. We provide a connecting service that allows consumers to submit a loan request and access lenders or lending partners in a network. Any loan offer, including the loan amount, rates, fees, APR, repayment schedule, and other terms, is determined by the lender based on its policies, state availability, and your individual circumstances.

We Do Not Set Loan Terms

Because this website does not lend money, we do not set or control the cost of any loan. We cannot guarantee that a lender will approve your request or offer a specific amount, rate, fee, or repayment term. If a lender offers you a loan, all applicable costs and repayment obligations should be explained in the lender’s loan agreement.

Review All Terms Before Accepting an Offer

Before accepting any loan offer, carefully review the full terms and conditions provided by the lender. Pay close attention to the APR, finance charges, repayment dates, late-payment fees, renewal or rollover policies, and any other costs that may apply. Only accept an offer if you understand the total cost and believe you can repay it on time.

Late Payments and Non-Payment

Late payment or non-payment may result in additional fees, collection activity, and negative impact on your credit score. If you believe you may not be able to make a payment on time, contact your lender directly as soon as possible to discuss available options. This website is not responsible for the actions or inactions of any lender.

Renewals and Extensions

Some lenders may offer renewals, extensions, or revised repayment arrangements where permitted by law. Renewal policies vary by lender and may involve additional costs. Review your lender’s renewal policy carefully before agreeing to any extension or updated repayment terms.

Responsible Borrowing

Short-term loans can be expensive financial products and should be used responsibly. They are generally intended for temporary financial needs and should not be treated as a long-term financial solution. Consider other available options before requesting a short-term loan.

State Availability

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

Questions About a Loan Offer

If you have questions about a specific loan offer, agreement, payment, fee, renewal, or repayment issue, contact your lender directly. This website can only answer questions related to the connecting service provided through the website.

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