Have any questions about personal loans? We have answers!
Browse the list of most frequently asked questions below and find the answer you need.
1) What is this website and how can I use it?
We are a totally free website where you can submit a loan request online and receive a decision in quick time. That’s right: you don’t have to pay us anything. And you don’t have to go anywhere or to stand in a long waiting line.
2) How can I submit my request with you?
We prepared a very simple form for you to fill in. When you’re done with it, just press one button to submit your request and wait a bit. Your request will be processed and answered soon.
3) What are the requirements for using your website?
We have a very short list of requirements here.
- You can be eligible if you:
- legally reside in the United States;
- are 18 years old or older;
- have a stable source of income.
4) And what about my credit score?
Every credit score is welcome here. We are going to be straightforward with you: it’s really easier to get a deal when your score is OK. But having a less-than-perfect one doesn’t prevent you from submitting a request. Try it out and see where it goes!
5) But if I don’t like the terms of my offer, what can I do?
If you received an offer that doesn’t satisfy you, you can always refuse to proceed. You are under no obligation to agree to it and proceed with this deal. There are no fines and penalties if you refuse to go on with this offer.
6) Is my information safe with you?
7) What is a personal loan?
It’s a credit product that allows you to borrow a large lump sum of money and repay it over a certain period. It typically comes with a fixed interest rate and is supposed to be repaid in fixed installments each month.
APR Disclosure. Some states have laws limiting the Annual Percentage Rate (APR) that a lender can charge you. APRs for cash advance loans range from 200% to 1386%, APRs for installment loans range from 6.63% to 485%, and APRs for personal loans range from 4.99% to 450% and vary by lender. Loans from a state that has no limiting laws or loans from a bank not governed by state laws may have an even higher APR. The APR is the rate at which your loan accrues interest and is based upon the amount, cost and term of your loan, repayment amounts and timing of payments. Lenders are legally required to show you the APR and other terms of your loan before you execute a loan agreement. APR rates are subject to change.
Exclusions. Residents of some states may not be eligible for some or all short-term, small-dollar loans. The states serviced by this website may change from time to time, without notice.
Credit Implications. The operator of this website does not make any credit decisions. Independent, participating lenders that you might be connected with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit. Loans provided by independent, participating lenders in our network are designed to provide cash to you to be repaid within a short amount of time. The short-term loans are not a solution for long-term debt and credit difficulties. Only borrow an amount that can be repaid on the date of your next pay period. Consider seeking professional advice regarding your financial needs, risks and alternatives to short-term loans. Late Payments of loans may result in additional fees or collection activities, or both. Each lender has their own terms and conditions, please review their policies for further information. Nonpayment of credit could result in collection activities. Every lender has its own renewal policy, which may differ from lender to lender. Please review your lender’s renewal policy.