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Rates & Fees

There is no any information on about fees and rates of the lenders. The reason is obvious and quite simple - this web service is not a lender and cannot decide for actual lenders what fees or penalties they impose on the credit products they offer. So, it means that we cannot provide all applicants with this type of information. If you want to get to know details, you need to contact the lender directly. They establish all the rates, charges, penalties and other payments of short-term loans by themselves and according to the credit standing of each applicant individually. Nevertheless, we want to be sure that all our participants adhere to the federal, international and state regulations, official laws and restrictions, that is why we ask them for doing it.

When you suppose to take short-term loan, you need to remember that this type of credit product is considered to be temporary financial product. If you want to use it for a long time, it can become quite expensive one. Short-term credit products involve high charges, fees and rates that the borrower needs to pay. There are many organizations that take control over lender actions and businesses. They check their loan terms and conditions whether they adhere to Federal and local regulations. These organizations conduct a variety of regulatory procedures to confirm the legal status of all creditors’ practices.

Learn the financial industry and all kinds of the possible credit products in particular details before you will apply for short-term loan. On our website you can find educational content and state laws about regarding to the industry. It will be easier for you to understand all the terms of the loan agreement that you need to sign with the lender. Go through the multiple resources that we provide you here. That will be more than enough for the start to deal with the lenders. Also, we advise you to visit the next websites of Federal Trade Commission and Consumer Financial Protection Bureau - two government agencies. You will find there more information about the state laws and established restrictions as these agencies actually develop laws and acts of state short-term lending. They are also supposed to protect the consumers in cases of unfair lending actions and practices.

In order to protect consumers from unfair lending practices, many states have implemented their own regulations in addition to Federal laws. Moreover, several states set up the certain number of allowed short-term loans that an applicant take at a time, the limits for penalties, the number of renewals, and acceptable charges of late payment. Follow the link to this official website and this resource, where you will find out much more information concerning to the laws and regulations of your state. Please note that all restrictions and rules may be changed on any day, you need to keep up to date with the information on these sites.

As we mentioned above, there are several states that prohibit the giving and using of short-term cash loans: Arkansas, New York, Vermont and West Virginia among others. This list is not complete. To be involved in the general and ever-changing official list of all states you need to check the list on the websites that we have given you. If this is important to you and you want to get fair and complete service from our lenders, you need to keep up-to-date with the latest changes and news about your industry.


Short-term loans are supposed to have special purposes, they are designed for people to take it and use it for a short time. This type of loan is an emergency credit product, as the loan debtor receives cash in not big amounts. It is highly important to understand the main meaning of short-term loans, which are not intended to be used for a long time to solve the problem of constant lack of funding. In case, if the loanee wants to prolong the short-term credit, this type of credit product can become a very expensive product. - this is web service that is launched to bring together lenders and loan debtors. This online platform allows users to find suitable and relevant lenders. It is important to understand that this service cannot make any decisions regarding to taking or giving loans. You don’t need to pay for the services of the website, it is absolutely free option. Also, you can come on this platform with no purpose to contact lenders or take credit product, you can only view and see what we offer without paying for it. All information concerning to short-term credit products is available for visitors and users free of charges. On the website many lenders are represented, but it does not mean that this service is responsible for the business of these lenders and transactions between lenders and loanees. This web platform does not approve each particular lender and the actions of third parties. is not aimed at the collection, storage, sale and transfer of personal information, especially when it concerns the repayments of loans and other credit products.

Most states prohibit such loans when they are provided for a short period of time. On the Internet, there are many offers of lenders who are willing to provide loans of up to $ 1,000. The website does not give promises and guarantees that it provides each new customer with a reliable creditor, and users may receive short-term loans from third parties. Lenders may decide to check through some credit agencies to determine the credit status and creditworthiness of borrowers. They may also request official personal data for verification, such as a social security number, driver's license number, national identity card number and other documents. The terms of credit products and the amount of credit products vary from one lender to another. It also depends on many factors, including the applicant’s credit history, place of residence and credit status, etc. It should be noted that each lender sets his own limits, restrictions and certain conditions on his own and for each applicant individually.

APR Representative

The loan rate is called Annual Percentage Rate that is calculated once a year. The platform cannot provide information on the rates and terms of lending offered by lenders. We cannot provide you with an APR for loan products, since we are not lenders; they do not disclose these details of their business to us. The annual rate varies from one lender to another lender and depends on several factors, such as place of residence and consumer credit status. There are some additional fees that lenders may charge additionally, including fees for initiation, late payment, fines. They can also apply for fees for non-payment and charges for non-financial actions, including an overdue payment, tax and debt collection report. Lenders do not transmit information about any financial or non-financial actions to, so there is no information on this website about the claims and requirements of creditors to applicants. The loan agreement must disclose all details of payment and non-payment fees and commissions in a transparent manner. APR is one of the non-financial charges for a short-term loan product, which should be calculated as a one-time annual payment.

Consequences of Late Payment
In case you doubt that you can pay on time, you need to contact the lender and discuss with him the possibility of late payment. The lender decides what charges and penalties he imposes on late payment. There are some federal regulations regarding to late payment that may vary depending on the case. Loan agreement includes the details about the procedure and the cost associated with the late payment. Look through the all document before signing it.
Non-payment Consequences
Financial and non-financial charges and fees can be taken when lenders receive missed payment or non-payment. The loan agreement includes all the penalties of late payment and non-payment.

Fees and other financial charges for late payment are to specified in the loan agreement. Resumption and other actions regarding to non-payment may be taken in case of consent. All information about the renewals is drawn up in the loan agreement and is determined on a case-by-case basis. There are also some additional penalties and fees that you will probably have to pay in case of resumption.

There are plenty of procedures and methods of debt collection that can be done. Fair Debt Collection Practices Act regulates and establishes the procedure of implementation of debt collection actions. Federal laws adjust limitations and rules to defend applicants and to prevent unfair lenders’ actions against the consumers. Most creditors prefer not to use the outsourcing services regarding to debt collection, they solve debt disputes by their own.

Any financial delinquency concerning to late payment or non-payment can be transferred to credit bureaus, such as Equifax, Transunion, Experian, and others. Negative consequences may arise as a result of breach of the loan agreement. The credit status of the loanee will also be downgraded after the delay in payment. Lenders are not used to trust their funds to applicants with a low-reliable rating.