FAQ
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.
If you want to get more info about our website, visit the section forTerms of Use.
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?
We are very serious about our reputation. We’ve implemented advanced safety measures and keep your personal details away from prying eyes. If you want to get more coverage on our data management, visit the section for Privacy Policy.
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.
Material disclosure
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.
Material Disclosure. The operator of this website is not a lender, loan broker or agent for any lender or loan broker. We are an advertising referral service to qualified participating lenders that may be able to provide amounts between $100 and $1,000 for cash advance loans, up to $5,000 for installment loans, and up to $50,000 for personal loans. Not all lenders can provide these amounts and there is no guarantee that you will be accepted by an independent, participating lender. This service does not constitute an offer or solicitation for loan products which are prohibited by any state law. This is not a solicitation for a particular loan and is not an offer to lend. We do not endorse or charge you for any service or product. Any compensation received is paid by participating lenders and only for advertising services provided. This service and offer are void where prohibited. We do not control and are not responsible for the actions of any lender. We do not have access to the full terms of your loan, including APR. For details, questions or concerns regarding your loan please contact your lender directly. Only your lender can provide you with information about your specific loan terms, their current rates and charges, renewal, payments and the implications for non-payment or skipped payments. The registration information submitted by you on this website will be shared with one or more participating lenders. You are under no obligation to use our service to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Cash transfer times and repayment terms vary between lenders. Repayment terms may be regulated by state and local laws. Some faxing may be required. Be sure to review our FAQs for additional information on issues such as credit and late payment implications. These disclosures are provided to you for information purposes only and should not be considered legal advice. Use of this service is subject to this site’s Terms of Use and Privacy Policy.
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.