Rates & Fees

The services of  are absolutely free. The rates and fees that apply to a loan are predetermined by your lender. is not itself a direct lender nor does it provide loan services directly to consumers. The information you submit is used by in order to connect you with a loan provider quickly and conveniently.

Full Disclosure of Terms

Lenders are required to disclose all fees and rates to you before you accept your loan. That is a legal requirement of the Truth in Lending Act and means full disclosure of all fees and interest rates that are attached to a loan. Should you choose to accept the terms of a loan, most lenders will redirect you to an e-signature page on their website for completion of the loan application process. It is in your best interest to take the time to read and fully-understand your loan agreement before you accept and sign it.

Late Payment Policy

Different loan providers are likely to have different policies concerning late payment. Take time to fully review the late payment policy as it is detailed in the loan agreement before you sign. All lenders are compelled to abide by all applicable laws, rules, and regulations regarding the fees charged for late payment.

Non-payment Policy

Further charges or fees may apply to your loan if you find you are unable to repay it on time. strives to operate only with trustworthy lenders that use lawful, fair and reasonable methods to pursue the collection of overdue repayment.

Loan Renewal Policy

State law predominantly governs the policies concerning loan renewal. In those states where the law allows for loan renewals, additional interest and late fees can lead to a substantial increase in your final loan amount and renewals should be avoided whenever possible. Read the terms of the loan provider that relate to renewal options before you sign the loan agreement.

* Important note, this information serves solely for informational purposes and is not intended to be seen as legal advice, therefore may not be correct at all times. If you do have questions about laws or regulations as they apply to you, direct these questions to your lender directly or seek proper legal advice. Some states have no lending statutory provisions in pace that pertain to personal loans.